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

Gold Loan in punaichak

Punaichak is a district of patna and is a residential and commercial town in bihar. Agriculture and small-scale industries are helping local people to improve their personal and financial lives by improving the economy of the place and gold loan in punaichak. Global handloom, garment, and crafts markets are well known. Besides that, fantastic eating joints like the nirmal sweets and food hut in and around the place are very popular. Other common places to visit in punaichak include the baldeo bhawan, the puttu home, and nearby mango orchards and forests. The local factories and mills establish new employment opportunities for the locals and pave the way for better educational prospects in their neighbourhood

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Benefits of an online gold loan

The benefits a borrower can reap from an online gold loan are boundless! All you need to do to avail an online gold loan is download the lender's app and place a loan request. One of the best features of a gold loan is that this process can be done online entirely without manual intervention provided that is what the borrower prefers. The borrower also has the flexibility to place a call on the lender's customer care number to avail the same if he/she were to feel like they might need assistance with the process. All this happens right from the comforts of your home. Even when it comes to gold valuation, you do not need to venture out with expensive gold in your pocket! The lender assigns a representative that will visit you at a location and time as stipulated by you. While an online gold loan does require a few basic documents, you can also avail a loan with just your Aadhar card! As a borrower, you are eligible to receive up to 75% of the gold you are pledging. If both parties are in agreement with the loan amount, the loan is disbursed to your account within a matter of 10 minutes. What's more, the entire process takes only an hour end-end!

Documents required for an online gold loan

If you are looking to source immediate funds at short notice, online gold loans are your go-to avenue! The eligibility criteria are relaxed, it requires only minimal documentation, you are eligible for a higher loan amount (though the upper cap is contingent on the value of your gold), you can choose from a range of flexible repayment options, the benefits are endless! The documentation requirement can be split into two parts:

1) Identity Proof- Documents that serve as identity proof include but are not limited to:

* Voter's ID

*PAN Card

*Aadhaar Card

*Passport

*Driving License

2) Address Proof- Documents that serve as identity proof include but are not limited to: 

*Aadhar Card

*Passport

*Driving License

When it comes to gold loans, most lenders allow the borrower the latitude to avail a loan using just the king of all documents- The Aadhaar Card. Since it contains almost all the necessary information including Name, DOB, Name of parents/spouse, Address, Biometric information, and Iris Pattern Scan it acts as an all-rounder when it comes to documentation!

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Frequently asked questions

What can I do if my lender is charging high interest?

If after the loan has been sanctioned and after a couple of repayment you realize that the rate of interest you have been charged with is high, if you wish to, you have the option to transfer your loan from your current lender to another lender. Most lenders offer this facility to their potential borrowers. As long as the borrower has a good repayment history, there is nothing to worry about. When a borrower wishes to transfer their loan to Rupeek, Rupeek sees to the matter at once. All the help from Rupeek’s end will be provided to the borrower to the extent that the only factor that the borrower has to be concerned about will be regarding the arranging of the loan renewal amount.

Can I get an interest-free gold loan?

No it is not possible to get zero-interest gold loan in the country as the lenders are in the business to earn some sort of profit. The interest paid by the borrower every month is their profit/charge for borrowing money from them. However various gold loan companies compete in the market for extremely low interest rates to lure customers. The interest rates are calculated based on various factors like loan amount, loan tenure etc., which is upon the discretion of each lender. Banks and NBFCs charge different interest rates and most of them offer a gold loan calculator for customers while applying for gold loan online, where you can calculate the monthly interest amount to be paid.
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