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

Gold Loan in Uttiramerur

Home to one of the largest lakes in the district of Kanchipuram, Uttiramerur is bordered by areas such as constituency and Kancheepuram parliamentary constituency. It is surrounded by localities like Vedapayam, Maruthuvanpadi, Vadanallur, Thriupulivanam, and Ammaiyappanallur. The locality is under the parliamentary constituency of Kancheepuram and the assembly constituency of Uthiramerur. Famous for its Hindu temples, surviving since the 7th, 8th, and 9th century CE, some of the big Hindu temples existing to date include Sundaravarada Perumal Temple, Kailasanatha temple, Kallakuruthi Amman Temple, Vaikunda Perumal Temple, and Subramanya temple. Meenakshi Ammal Teacher Training Institute, Meenakshi Ammal Polytechnic College, Balar Nesan Higher Secondary School, Government Boys Higher Secondary School, Balar Nesan Higher Secondary School, and Sri Venkateswara School are among the most famous educational institutions in Uttiramerur. Living in a rapidly growing place, people often turn to gold loans in Uttiramerus to meet their financial needs.

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Documents required for an online gold loan

A gold loan is the perfect solution when a borrower is looking for urgent loans or emergency funds. With the help of an instant gold loan online, the borrower can receive the required funds in less than an hour. The borrower is eligible to get up to 75% of the market value of the pledged gold as the loan amount. Unlike many other sources of funds, an online gold loan requires minimum paperwork before giving the loan approval. The required documents are:

  1. Identity proof – any document such as voter ID, PAN Card, Aadhaar Card, Passport, or driving license can act as the identity proof of the borrower.
  2. Address proof – the same documents as mentioned above, except for voter ID and PAN card can act as the address proof of the borrower.

Some lenders also approve the loan against just the Aadhaar Card of the borrower. The Aadhaar card is the most important document for an Indian, which has all the details regarding name, father’s and mother’s name, address, biometric information, iris scan, etc. Therefore, it can function as the identity proof as well as the address proof.

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

What are the documents that I need to submit while applying for a gold loan?

Gold loans come equipped with several benefits. One of the most important factors that make gold loans so flexible is the fact that it only requires minimal documentation to be eligible for a gold loan. The only KYC documents required are any form of proof of identification and address proof. This includes:

1) Aadhar Card

2) PAN Card

3) Voter's ID

4) Passport

5) Utility Bill

6) Lease/Rental Agreement

 This minimal documentation requirement makes it easy to avail gold loans. Unsecured loans demand several documents to prove your income profile whereas a secured loan can be obtained with just the Aadhaar card.

My payment has failed, what do I do?

Since all the transactions take place online, in the case of an online gold loan in Kanchipuram, it is possible that due to some error, the transaction may fail. If this should happen to you, rest assured since within 72 hours from when the amount was debited from your account, it will be credited back to you. This is what the guidelines of the bank state. In case it doesn’t refund within that duration, make sure to get in touch with your bank. If you attempted to make the transaction via NEFT, it will take longer to get refunded to your account. If you still need help with the transaction error, you can always get guidance and help from the support team of the lender.
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