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

Gold Loan in tripri

Tripri is a small town in patiala, in the punjab Indian province. The tripri post office is in patiala, and the pin code is 147001. Patiala railway station and patiala cantt are the two railway stations which link tripri to other cities. Railway rest. However, the residents do not have to travel far to apply for an gold loan in tripri, due to the numerous banks available in the city. Hanuman mandir tripri town patiala, shri hari mandir, shiv temple, madeena masjid, gugga peer, etc. are some of the religious landmarks near the locality. Overall the area is well built with separate hotels, restaurants, movie theaters, hospitals, police stations, schools, and colleges.
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We offer the highest per gram rate on our gold loans.

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Gold Loans at the privacy of your home

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Eligibility criteria for an online gold loan

As a secured loan, the online gold loan offers unparalleled convenience, like easy eligibility, minimal documentation, high loan amount, long tenure, flexible repayment options, low rates of interest, and instant loan approval. Because of its simple eligibility criteria, virtually any Indian citizen can avail a gold loan. To avail a gold loan online, your age must be above 18. The purity of the gold you want to mortgage should be 18 Karat and above. The third and the last eligibility criterion is that the gold should be in the form of jewellery or ornaments. Generally, Indian lenders do not accept gold bars or coins for approving the gold loan. To calculate the loan amount, the lender evaluates the quality, weight, and purity of the gold and multiplies it with the previous thirty days' average price of gold. The figure that comes out as a result of the gold evaluation is the loan amount a borrower becomes eligible for.

What is an online gold loan?

An online gold loan is the most straightforward secured loan you can avail when you require instant cash. The easy eligibility criteria and high loan amount make a gold loan one of the most popular loans in India. Usually, lenders approve up to 75% of the gold's market value; although at times, the upper limit may go up to 90%. The final amount would depend on the previous thirty days' average gold price and the quality and Karat of the gold. To avail an online gold loan, the borrower has to download the lender's app or call the customer helpline. After this, a loan officer would schedule a meeting and visit the borrower's residence or office and value the gold. Generally, the loan amount gets transferred to the borrower's bank account within ten minutes of loan approval. The total time from loan application to loan approval can be anything from half an hour to an hour.

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Frequently asked questions

Is there any age limit to avail a gold loan?

Each lender follows a different age limit criteria for people that are applying for a gold loan in <cityname>. Some lenders require the borrower to be a minimum of 18 years while some others require the borrower to be 21 years of age. Some have a limit of 65 years while others have 75 years as the age limit. However, largely, if you are an Indian citizen, above the age of 18 and possess the required KYC documents and gold amount, you can avail a gold loan. The eligibility criteria for a gold loan is less compared to other sources of funds. As long as you are above 18 years of age, and the gold that you are providing as collateral is above 18 karat gold, you are eligible to get a gold loan. The gold that you pledge as collateral can only be in the form of ornaments or jewelry. 

Does gold loan affect CIBIL?

Yes, availing a gold loan in <cityname> will reflect on your CIBIL credit score depending on how you finish repaying your loan amount at the end of your loan tenure. This score directly reflects on how well you manage your monthly loan repayments. Availing a gold loan is bound to reflect positively on your CIBIL score provided you are prompt with your payment. The lender considers your loan as 'closed' in your credit report only when you have repaid the entire amount along with the interest component. However, if you were irregular in your interest payments or failed to repay the entire loan amount the lender will mark it as 'settled' or 'written off' in the credit report which makes you a defaulter and reduces the chances of availing any loan further.
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