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

Gold Loan in ranjangaon

Ranjangaon is a village situated approximately 50 km from Pune. The Maharashtra Industrial Development Corporation (MIDC) Industrial Area and Lord Ganesha 's holy shrine are situated there. The MIDC in Ranjangoan is a five-star industrial area where its base of operation has been set up by various assembly organisations.The Mahaganapati is known as one of the holiest places of the Ashtavinayaka of Maharashtra, celebrating eight occurrences of Ganesha-identified legends. The sanctuary was built between the 9th and 10th centuries. It seems as though the temple was indirectly from the Peshwa period. There are enormous and lovely passageway doors in the temple facing east.Gold loans in Ranjangaon help residents keep their cash flow rolling.

Gold Loans at the privacy of your home

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Documents required for an online gold loan

When a borrower needs urgent cash, an online gold loan acts as a blessing. With an online gold loan, you can get up to 75% of the gold's average value as the loan, instantly. Before approving the loan, the lender might ask you to submit a few documents, which the lender uses to determine your eligibility. The first document that you need to submit is an identity proof, like voter ID, PAN Card, Aadhaar Card, Passport, or driving license. The second document you need to submit is an address proof. Except for the PAN and Voter ID, all other documents mentioned above function as the address proof. Many reputed lenders also offer the facility to apply for a gold loan only with the Aadhaar Card. As the Aadhaar card contains all your personal details, like name, date of birth, father's/mother's name, address, and biometric information and iris scan, it functions as both the identity proof as well as the address proof.

Eligibility criteria for an online gold loan

Since a gold loan is a secured loan, it offers many benefits that the other sources of funds do not offer. Some of the benefits offered by a gold loan include:

  1. Low rate of interest
  2. Minimal documentation
  3. High loan amount
  4. Flexibility in repayment options
  5. Instant loan approval, etc.

The requirement for eligibility for a gold loan isn’t much. To avail a gold loan, the borrower has to fulfill the below-mentioned criteria:

  1. The borrower shouldn’t be a minor
  2. The mortgage loan should be of 18 karat or above
  3. The gold should be in the form of ornaments or jewelry.

The loan amount is then calculated by the lender by multiplying the quality, purity, and weight of the gold. The lender then multiplies it with the average price of gold for the past thirty days. The resultant amount id the loan amount that the borrower can borrow.

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Frequently asked questions

What are the gold items I can pledge

You can pledge gold in any form as long as it isn't gold bars or gold coins. Any form of gold which with purtiy ranging between 18 Karats - 22 karats can be pledged. It includes gold ornaments such as:

1) Chains

2) Necklaces

3) Haraam

4) Mangalsutra

5) Rings

6) Bracelets

7) Bangles

8) Earrings

9) Anklets

10) Hip chains

11) Cufflinks 

The purity of the gold item is what will determine your loan amount. In that case, gold bars and coins have higher levels of purity and might fetch higher loan amounts. However, most of the lenders in the market don't accept gold bars. 

Can I pledge anything other than gold?

No. Most lenders do not accept anything other than a gold pledge as their lending partners accept only gold jewelry. The kind of collateral and the type of it that an online lender accepts also depends on the conditions of its partner banks. Rupeek only deals in gold ornaments and not in the other forms of gold – such as coins or bars because its partner banks only accept ornament. Further, lenders like to specialize in the kind of loan that they offer so that they can provide their customers with the maximum benefits and the best services. 
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