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

Gold Loan in Tirunelveli

At a distance of 73kms from Kanyakumari, the 2000-year-old city Tirunelveli is located. This was made as a separate district in 1790 by the British East India Company. This major city holds the legacy of the Pandyas, the Cholas, the Cheras, the Vijayanagar empire and the British. Presently known as the ‘City of Monuments’, the region functioned as an economic hub during the British rule and it specialised in production and export of materials like cotton, tobacco, jaggery, salt and chilies. Agriculture takes the supreme role in the district’s economy and it is followed by service-related sectors like paper, cement, power loom, spinning, etc. In order to manage business expansions and personal needs, the people seek the help of gold loans in Tirunelveli. The city’s outskirts comprises the Special Economic Zones where companies like Indian Oil Corporation Limited, Coca Cola, Bosch Limited and Yokohama Rubber Company have set up their manufacturing facilities. The Nellaiappar Temple in the city is considered as the most popular temple.
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Gold Loans at the privacy of your home

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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.

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 is KYC? Why is it necessary to avail gold loan?

KYC in the KYC documents stands for Know Your Customer. This is a customer identification process where the lender obtains a couple of documents from the borrower to get some personal details about them. These document, which can consist of their PAN card, Aadhaar card, driving license, voter id and passport act as the identity proof and the address of the borrower. The lender has to have a copy of these documents for securlty reasons and to prevent unscrupulous behaviour by the borrower. Although the above listed documents were sufficient before, now it is mandatory for the borrower to present their Aadhaar card since it consists of all of their details, including their finger print and retina scan. These cannot be fabricated and it is also possible to get a gold loan against just your Aadhaar card today.

How is KYC done at home for online gold loan?

The loan manager will ask for your KYC gold loan documents and will take photos of these to upload onto our system for verification from our approval team. This step of the gold loan process usually takes place within minutes and your KYC is completed! The KYC documents are used to prove your identity and your address. Any of your documents, such as your Aadhaar card, PAN card, passport, voter ID, or passport can act as your identity proof. With the exception of voter ID and PAN card, any among the rest of the documents can act as your address proof. 

Is my gold safe with Rupeek?

Rupeek takes extreme pride in the fact that we have closed out 25,000 loan applications with utmost care and safety. Here's how we systematical ensure the safety of your ornaments while it is in our possession:

1) ISO Certification- Rupeek's gold appraisal process has been certified by ISO 9011:2015

2) Trusted Partner Banks- We have done an at-length background check with all of our partner banks before we carefully handpicked them. These include but is not limited to Karur Vysya Bank, Federal Bank, and ICICI Bank. 

3)Trusted Security Partner- Brinks- an internationally trusted security service is our official security partner.

4) Transporting your Gold- Your gold is transported in a sealed, secured bag embedded with GPS.

5) Storing your Gold- Your gold is stored in secure bank lockers under bank-grade security and surveillance to ensure the utmost safety.

6) 100% Insurance Cover- While in our possession your ornaments have a 100% insurance cover from New India Assurance against theft or accident.

Can I avail EMI facility on gold loan?

Yes, EMIs are available for a gold loan in cityname. EMI stands for Equated Monthly Installment where a fixed amount is paid every month towards the repayment of the loan. The EMI consists of both the principal amount as well as the compound interest. EMIs are fixed and consistent and make sure that the repayment of the loan does not burn a hole in the pocket of the borrower. Before you place an application for a loan, using the online gold calculator, it is possible for you to check the amount you will have to pay as EMI for your gold loan in cityname.
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