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

Gold Loan in valasaravakkam

Valasaravakkam is a residential area in Southern Chennai. The locality is surrounded by luxurious neighbourhoods like Guindy, Anna Nagar, Koyambedu, and Porur, and thus gaining importance in the state. It functions as a self-sufficient zone with educational institutions, shopping centers and temples and regularly attracts large numbers of tourists. It is close to Guindy Industrial Park, Ambattur Industrial Park, ESPEE IT Park, Olympia Technology Park, Kosmo One, DLF IT Park and other industrial and IT parks, hence attracting many professionals and their families to live in Valasaravakkam. The road and rail transportation are convenient, so that people can travel around the city at ease. In order to cope with rising personal and professional costs, people opt for gold loans in Valasaravakkam.
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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.

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.

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Frequently asked questions

Is my gold safe with Rupeek?

Our processes are ISO 9011:2015 certified and we have completed 25,000+ loans with utmost care and safety. To ensure the safety of your gold ornaments, we have partnered with reputed banks that are trusted across India - Karur Vysya Bank, Federal Bank, and ICICI Bank. a network of bank branches and regional offices. Your ornaments are sealed in a GPS secured bag while being transported by our security partner Brinks, an internationally trusted security service, from your home to the bank branches, where upon arrival, is stored in secure bank lockers under bank-grade security and surveillance to ensure utmost safety. Your gold is also fully insured with trusted New India Assurance against any theft or accident during transit from and to your doorstep.

How to apply for a gold loan with Rupeek?

Applying for a gold loan with Rupeek is as easy as can be! The Rupeek app has been designed to guide the borrower virtually through the process of availing a loan. A borrower only needs to go through these steps 

*Download the Rupeek App- You will have to download the app from the PlayStore and create an account for yourself with a unique username and password. Alternatively, you can also place your request by calling us on our customer care number.

*Loan Request- Once your account has been created you can navigate to the loan application, fill out the necessary information, and place your loan request.

*Gold Valuation at Home- Once your loan application is approved, a lender appointed official visits you at a location of your choice and evaluate the purity of your gold.

Post gold evaluation, the loan amount you are eligible to receive will be conveyed to you by the gold appraiser. If you are satisfied with this amount, you will receive it within 10 minutes!

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