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

Gold Loan in topsia

Topsia is a densely populated locality in Eastern Kolkata. The predominant habitats of this place are poor people from UP and Bihar, who migrated from their homes in search of a better life. Unfortunately, life for them has ended in slums. With a Muslim dominated population and Hindu minority, the area has vast income inequality. Both highrises and slums can be seen in the area, and a massive number of illegal settlements take place there. On the other hand, this place has a pumping station, and Irrigation and Waterways Directorate Office. The living condition in the slums are miserable, many NGOs and government schemes are helping them, but their situations are still far from better. In such conditions, they hold onto gold loans in Topsia as their last stand.
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We offer the highest per gram rate on our gold loans.

Today’s max loan value/gm () **

Today’s max loan value/gm ()
**

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.

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!

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Frequently asked questions

How do I know if the executive is authentic while applying for an online gold loan?

Once your loan request has been placed for an online gold loan, a Rupeek executive will arrive at your doorstep to value your gold. It is very important to be vigilant about the identity of a person before you trust them and let them into your house. Which is why Rupeek has an executive verification process in place- The in-app verification. Once the executive has reached your location an OTP will be sent to your number which the executive will then have to enter on his app to verify the match. Additionally, you can also ask to see the executive's ID card, issued to him/her by Rupeek. The executive will also display a government ID proof if asked.

Are there any charges levied for late payment of interest?

To avoid default in payments or arrears, most lenders charge a penalty fee. This will be collected along with the next month's payment. If any defaults or arrears occur in next month's repayment as well, your lender will escalate the issue to loan managers. Stringent action will be taken to ensure that you repay your loan along with the corresponding interest on-time. To avoid such dire consequences, borrowers must make on-time repayments and it must be considered as the number one priority. Negligence of timely payment reflects poorly on the borrower's credit score which affects the borrower's future scope of credit.

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