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Kochi
palluruthy
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in palluruthy

The scenic town of Kochi, known for the rich water bodies that surround the city, is Palluruthy. The natural biodiversity of the area is visible, which is why new residential construction has begun to take area. The peaceful atmosphere is enhanced by a diverse community which has its own religious meaning. On an equal scale, this town has temples, mosques and churches, making Palluruthy rise with its religious unity to fame.The diverse population also has occupational diversity, with the popular option being commerce and commerce. In the event of any business requirements, developers and local businessmen go for gold loans in Palluruthy.
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Gold Loans at the privacy of your home

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Benefits of an online gold loan

An online gold loan offers unparalleled benefits. To avail a gold loan, you need to register yourself as a borrower and mortgage your gold ornaments. The best feature of an online gold loan is that the entire process of the loan application and approval takes place online. Hence, the location of the borrower does not matter. Usually, the lender sends a loan officer to the borrower within half an hour of getting the loan request, who verifies the gold, and gives a quote. On successful verification and subsequent approval, the lender then sends the amount directly to the bank account of the borrower. With an online gold loan, a borrower can get up to 75% of the gold's average market value. As it is a secured loan, the rate of interest is lower than many other types of instant loans. Additionally, a borrower can apply for a gold loan only with the Aadhaar Card.

What is an online gold loan?

Gold loan is the most flexible and popular source of funds in the Indian financial market. A gold loan is a secured loan, which means that to obtain quick funds or emergency loans, the borrower has to pledge their asset (in this case, their gold) with the lender to obtain funds in return. A secured loan is also known as a collateral-based loan since the funds can be availed only against the asset of the borrower. Gold loans owe its popularity to its attractive features such as:

  1. Low rate of interest
  2. High-value loans
  3. Minimal paperwork
  4. Flexible repayment options
  5. Instant loans etc.

Using a gold loan, the borrower can get up to 75% of the market value of the collateral as the loan amount. In some cases, up to 90% can also be disbursed as the loan. Instant gold loans are so true to their name that the funds get transferred to the borrower’s account within one hour from the loan application.

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Frequently asked questions

What is a gold loan?

Gold loans are those loans that are availed by securing gold against your loan amount until the repayment of the loan. The value of this gold has to be at least 30% more than the loan amount. This functions like any other secured or collateral-based loan, where the gold operates as the collateral. Several factors make gold loans such a widely popular source of credit: 

1) Flexibility- Borrowers have the latitude to apply for a loan and choose the loan terms, loan amount, loan interest rates, and repayment schemes as per their requirement.

2) Speedy Disbursal- Gold loans take only about an hour to get approved and disbursed since the point of the loan application.

3) Minimal Documentation- Gold loans require minimal documentation. At times, the lender even approves loans with just collateral and the borrower's Aadhar card.

Who can avail Rupeek gold loan?

If you are above the age of 18 and possess the required KYC documents and gold amount, you can avail of a Rupeek gold loan! Our gold loan eligibility criteria are minimal in order to make gold loans more accessible to all. The eligibility criteria for a gold loan is less compared to other sources of funds. As long as you are above 18 years of age, and the gold that you are providing as collateral is above 18 karat gold, you are eligible to get a gold loan. Normally, the gold that you keep as collateral can only be in the form of ornaments.

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