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Meerut
Ramgarhi
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In accordance with the respective state government’s directive, we’ve resumed operations in all the cities. However, a few services will remain affected while others will continue as usual. To read about the services or moratorium updates, Click here

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

Gold Loan in Ramgarhi

The locality of Ramgarhi is known for several reasons. It’s situated in Meerut city, Uttarpradesh, close to the Ajanta Colony. It’s also a neighbour area of famous places like Anandpur, Janakpuri, Tejgarhi, and Prabhat Nagar. This area is still developing, and the necessary facilities aren’t in its best shape. But rails and roads smoothen the journey to the area in terms of transportation advantages. Schools and hospitals are yet to be top class. Gold loans in Ramgarhi is a popular option for financial supports as people often move to large cities for professional and educational purposes. The main businesses of this area are handloom and homemade accessories.
Today's maximum loan value/gm **
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Gold Loans at the privacy of your home

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What is an online gold loan?

An online gold loan is the most hassle-free form of instant credit. It owes its popularity to the array of flexible features it comes with. It comes with extremely relaxed eligibility criteria, high loan amounts at low-interest rates! Sounds like the perfect package doesn't it? Well, it gets better. There is no set upper limit on your loan amount. This completely depends on the value of your gold. Ideally, lenders approve up to 75% of the market value of the collateral. However, at times it can even go up to 90%! It is noteworthy that this market value does not refer to the prevailing market price. The lender arrives at the gold valuation by taking an average of the gold gram rate from the past 30 days. The borrower can avail the loan right from the comforts of his/her home by downloading the app and placing a loan request using just the Aadhar card as document proof! A lender appointed representative will then visit the borrower's house for gold valuation and post which the loan amount will be transferred within 10 minutes. The entire process end-end takes only about an hour!

Benefits of an online gold loan

When you require emergency funds or urgent loans, a gold loan is one of the most flexible and hassle-free loans that you can acquire. A few of the benefits that are exclusive to gold loans are listed below:

  1. Low loan interest rates - the interest rates are less because of the security of the collateral.
  2. Minimal documents – the only documents that the borrower is expected to submit are the address proof and identity proof
  3. High-value loan – up to 75% of the market value of the gold can be obtained as the loan and in some cases, up to 90%.
  4. No upper limit – the amount that you can obtain is determined by the value of the pledged gold.
  5. No requirement of income proof – the borrower can be unemployed or have an irregular income and still get a gold loan.
  6. No requirement of credit history – the borrower can have a poor credit score or CIBIL score and still be eligible for the loan.
  7. Flexibility – a secured loan is more flexible than other sources of income. The borrower has a variety of repayment schemes to choose from.
  8. Speed – the whole transaction, from the loan application to the disbursement of the funds takes place within an hour.

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Frequently asked questions

How are gold loans different from other loans like personal or credit card loan?

As far as urgent funds or emergency loans are concerned, as long as you have the collateral, a gold loan is your best bet. This is because gold loans offer the maximum benefits to the borrowers. The security of the asset that has been pledged with the lender enables the lender to offer many benefits to the borrowers. Since a personal loan or a credit card loan is an unsecured loan, as many benefits are not available to those borrowers. A secured loan has a lower interest rate. They also require much more paperwork than a collateral-bases loan. Further, the borrower will also be expected to have a high credit score – over 700 to get a favorable loan. 

What are the documents that I need to submit while applying for a gold loan?

One of the main benefits of a gold loan is the minimum paperwork associated with it. The only documents that the borrower has to submit before the lender to sanction their loan are their identity proof and their address proof. Any of the documents in the long list of PAN Card, Aadhaar card, voter ID, passport, driving license, etc can function as their identity proof. Except for the PAN card and the voter ID, any of the mentioned documents can also be used as their address proof. It is also possible to get a gold loan with just an Aadhaar card. On the other hand, when getting an unsecured loan, the required documents are numerous.
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