Low Interest Gold Loans in Thiruvallurstarting @ 0.49%P.M. (5.88%* P.A.)

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low interest gold loan

Get a New Gold Loan

IconInstant 30 minuntes

Shift your Existing Gold Loan

IconSave ₹37,131*

We offer the highest per gram rate on our gold loans.

lender banks

Gold Loan in Thiruvallur

Thiruvallur is a fast-moving, rapidly growing city in Tamil Nadu, and is just 46Km away from Chennai, one of India’s largest metropolitan cities. It lies on the banks of river Cooum and is home to a large number of temples of various shapes and sizes. The Veeraraghava temple is the most famous temple in Thiruvallur and attracts thousands of tourists every year. Other famous temples and structures in this town include the Sri Panchamukha Hanuman's 40-feet tall statue, the Poondi Reservoir, Maha Prathiyamgira temple, Veeraraghava Perumal temple pool, and Sri Theertheswarar Devasthanam. This city attracts tourists from across the world. And during the Aadi Krithigai and Padi Bhujai festivals, the city sees tourists and devotees in the millions. It is also quite close to Tirupati, one of the most prominent religious destinations in the world. Thiruvallur is the manufacturing hub of several large companies such as Mitsubishi Lancer, Coca-Cola, Hanil Lear, Kingfisher, TCL, Caterpillar, Hindustan Motors, and more. It is a prominent industrial and manufacturing belt in the region. Gold is an important part of the culture here, and people follow gold rates very closely. Many people also take a gold loan in Thiruvallur to sustain or start a business.

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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 address proof include but are not limited to:

    • Aadhaar 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 the documentation!

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Gold Loan Calculator

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6 M
Loan Amount₹ 5,00,000
Tenure6 M
Interest Rateundefined %

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Gold Required

140.8 gms

Total Interest


Frequently asked questions

Can I close the gold loan earlier than intended?

Yes, it is possible for the lender to close the gold loan in Thiruvallur before the end of the term. There are only rare cases when the option of prepayment wouldn’t be available to the borrower and that is if the lender has a lock-in period or if there are some prepayment penalties. Some lenders charge for the prepayment of the loan, called prepayment penalties. This charge can be up to 200 rupees if you are looking to close your loan account 3 months or 1 month before the lock-in period set at the lender’s discretion. The penalty charged by the lenders also depends upon your loan amount. Rupeek, on the other hand, does not levy any penalty charges for the preclosure of the loan account.

Is there any maximum and minimum limit for availing a gold loan?

When you want to obtain high loan amounts, a gold loan is the best option for you. When it comes to Rupeek, the least amount that you can obtain by pledging your gold is 15,000 rupees. The amount of loan that you can avail of depends on your gold. As per the standard norms set by the industry, the borrower can obtain 75% of the market value of the pledged gold as collateral. For example, if you have kept gold worth 1 crore as collateral, you are eligible to get 75 lakhs as the gold loan amount. In some cases, the percentage can go up to 90%. The maximum amount that can be obtained at once by pledging your gold with Rupeek is 1.5 crores.

What about the tenure of gold loan, lock-in period, and prepayment penalties?

The specifics of a loan vary from one lender to another. The loan tenure, prepayment penalties, lock-in period are all subject to change depending on the lender. For instance, at Rupeek the tenure of a loan is on average 12 months. However, the borrower can exercise a great range of flexibility and even choose to repay the loan within a few days as well. Rupeek strives to provide affordable, convenient, and flexible solutions that suit the requirements of every borrower, there is no lock-in period, nor are there any prepayment penalties!

In case of default, when will the gold jewelry be auctioned off?

Your gold collateral will be auctioned off after 30 days from the end of the loan term. If the lender has arrived at a situation where he has to auction off the gold, it will only be carried out after informing the borrower. Any requests that the borrower would like to make in that event will be dealt with by the lender on a case-to-case basis. In order to avoid these unfortunate circumstances after sanctioning the loan, the borrower has to make their EMI payment the first priority on their list. Even before entering into a contract with the lender, the borrower has to carefully evaluate the options available for them and come to a conclusion regarding a loan scheme after careful deliberation. The borrower has to consider the weight of the EMIs as well as the personal expenses in his pocket before opting for a scheme.