Personal Loan in Chandigarh

The capital of Haryana and Punjab, Chandigarh, is one of the wealthiest towns in India with prominent landmarks such as Sector 42 Stadium, Palace of Assembly, and Rock Garden of Chandigarh. The city is also growing as a significant economic hub with large-scale MNCs like Dell, Infosys, Tech Mahindra, and Airtel opening up numerous job opportunities.

These developments have led to a surge in the standard of living of Chandigarh. Thus, it often becomes difficult for people in Chandigarh to manage out-of-the-ordinary expenses like medical emergencies, home renovation costs, higher education expenses, etc. In that case, individuals can opt for a personal loan in Chandigarh to efficiently manage these.

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Why Opt for a Personal Loan?

With banks and NBFCs coming up with an ever-expanding range of financial products to cater to a variety of requirements, more millennials are inclining towards availing external funds instead of liquidating their savings.

Among these, a personal loan is one that is gaining increasing popularity due to some key features discussed below.

  • Zero Restriction on End-Usage – Probably the best benefit of a personal loan is that borrowers can use the amount to fund all kinds of requirements, from higher studies to appliance purchase.
  • No Collateral Required – Most financial institutions do not require applicants to pledge any asset to avail a personal loan.
  • Sizeable Loan Amount – Individuals can avail up to Rs. 40 lakhs as a personal loan in Chandigarh, depending on their eligibility.

How to Apply for Personal Loan in Chandigarh?

Borrowers need to meet the following eligibility criteria before applying for an online personal loan in Chandigarh.

Sl. No.





Should be more than 21 years


Type of Employment

Self-employed and salaried


CIBIL score

750 and above


Work Experience

1 year+


Monthly Income

According to the lending party’s criteria

Additionally, the following documents are mandatory for applicants to avail this financial product.

  • Identity proof
  • Address proof.
  • Previous 6 months’ bank account statements
  • Employee certificate or ID card
  • ITR documents
  • Income proof of the past 3 months

Since a personal loan does not involve any collateral in most cases, applicants, especially people new to credit, might find it challenging to avail one. That’s because most reputed lenders look for a substantial credit history to ensure minimal risk of default. Moreover, lenders that do approve a personal loan against easier eligibility criteria often levy considerably high interest rates.

Borrowers looking for simpler terms when searching for “personal loan providers near me”, thus, can consider a gold loan. This instant personal loan facility offers benefits similar to an unsecured personal financing option but is easier on the fronts of eligibility criteria, documentation, and interest rate.

Moreover, with us, individuals can enjoy several additional benefits, making for a more convenient borrowing experience.

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Why opt for Rupeek?

Our industry-first features like more flexible repayment options and doorstep service have allowed us to deliver maximum convenience to borrowers.

Here are a few benefits that borrowers can enjoy with us:

  • Relaxed Eligibility Criteria

Our gold loan facility does not come with rigid eligibility conditions. Individuals with low credit score can also apply for funds by only submitting their KYC documents and utility bills or rent agreement.

  • Repayment Flexibility

Stress no more about hefty EMIs. With Rupeek gold loan, you have the choice to repay any amount at any time during the tenure or make a single bullet payment. Borrowers can avail additional rebates with early repayments.

  • Competitive Interest Rates

Individuals can avail credit from Rupeek Fintech at interest rates as low as 0.49%, coupled with high LTV. You can get an idea of the loan amount you are eligible for by using our online gold loan calculator.

  • Balance Transfer facility

Individuals in Chandigarh looking to reduce their interest burden can consider our loan transfer facility. Owing to our low interest rates, one can save up to Rs.12377/lakh.

  • Doorstep Loan

Get a gold loan approved from the comfort of your home with our 30-minutes doorstep service. Complete KYC verification and gold appraisal with our loan manager and avail instant loan disbursal thereafter.

Our city-wide presence in Chandigarh makes our gold loan facilities further accessible, allowing for quick service throughout.

Key Localities in Chandigarh with Rupeek Services

Rupeek extends its gold loan services to the following localities of Chandigarh.

  • Ram Darbar
  • Sector 9 Chandigarh
  • Sector 1 Chandigarh
  • Sector 26 Chandigarh
  • Sector 40 Chandigarh
  • Sector 22 Chandigarh
  • Manimajra
  • Sector 35 Chandigarh
  • Sector 15 Chandigarh
  • Sector 19 Chandigarh
  • Sector 20 Chandigarh
  • Sector 21 Chandigarh

Rupeek aims to make funds available to individuals with varying financial backgrounds with an easy personal loan in Chandigarh. Visit us at Rupeek to avail our gold loan benefits today!

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Frequently asked questions

1. Can I avail credit for personal finance against gold coins?

No, you can only pledge gold jewellery items to avail a personal loan. Currently, our lending partners do not accept any other gold items, like bars and coins.

2. What should I do to re-pledge my gold ornaments?

In case you want to re-pledge your gold items to extend an existing loan, kindly contact our customer helpdesk for efficient assistance with the process.

3. What is the required credit score to qualify for a gold loan?

There are no requirements for credit score or financial history check of any kind to avail a gold loan from us.

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