Personal Loan in Gurgaon

Gurgaon, or Gurugram, is one of the major satellite cities of Delhi and also a part of the NCR region. The city offers an array of tourist attractions including Cyber hub, Damdama Lake, Sultanpur Bird Sanctuary, Aravalli Biodiversity Park, and Heritage Transport Museum.

The close proximity to Delhi and the growing industrial sectors in Gurgaon attracts a lot of migrants from all over India. On top that, the high rent prices in Gurgaon has upshot the cost of living in here. The flourishing financial and banking sector of Gurgaon explains how people rely on financial products like a personal loan to cover both their small-ticket and big-ticket expenditures.

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Features of Personal Loan

Although the specific features of a personal loan in Gurgaon may vary depending on the lender, the standard ones are mentioned below –

  • No Collateral Required: Personal loans are unsecured, meaning borrowers need not collateralise any asset to avail the funds.
  • No End-Use Restriction: This financing facility does not entail any end-use restriction. A person can use the funds to mitigate an array of expenses.
  • Rigid Eligibility Criteria: Collateral-free personal loans, necessitate strict eligibility criteria. Banks and NBFCs check basic parameters like age, income level, the credit score (750 or above), credit and employment history to assess an applicant’s repayment capacity.
  • High Cost of Borrowing: As personal financing is unsecured, financial institutions levy higher personal loan interest rates to limit their risk. Credit score also plays a crucial role in determining the loan amount and interest rate.

Besides these, applicants must submit several documents, which includes KYC documents, address proof, and proof of income. In case individuals are looking for a loan against easier terms, they can consider a gold loan.

Merits of a Gold Loan

A gold-backed personal loan let borrowers bypass all the shortcomings of a traditional personal loan. Here are a few differences between these two financial products. 


Personal loan

Gold-backed personal loan

Loan type



Interest Rate



Eligibility criteria







750 or above

Not required


1-5 years

4-6 months

Besides these, borrowers who are looking for “gold-backed personal loan provider near me” can enjoy a range of other benefits by opting for Rupeek.

Reasons to Select Rupeek

By applying for a gold-backed online personal loan with us, you can expect the following benefits:

  • Instant Disbursal: To ensure borrowers can cover urgent expenses timely, we have in place a streamlined loan disbursal process. Borrowers can receive funds in their account within just 60 minutes from application.
  • Lowest Rate of Interest: Our monthly interest rate for a personal loan in Gurugram starts at 0.49%. This lower personal loan interest rate helps to reduce the total cost of borrowing, which in turn lets borrowers manage repayment efficiently.
  • Substantial Quantum: Borrowers can avail up to Rs. 1.5 crores as a personal loan against gold. Such a sizeable amount allows individuals to meet several financial obligations easily.
  • Doorstep Service: We provide our clients with the facility of doorstep instant gold loan Moreover, we follow end-to-end security protocols to ensure maximum safety of the pledged gold items. `
  • Gold Credit Line: We offer an overdraft facility against gold, known as ‘Rupeek Quick’ to help customers finance all their emergencies efficiently. You can withdraw money from the sanctioned amount as per your need and pay interest only on the withdrawn sum.

If you are in dire need of cash and are looking for our financial services in Gurgaon, you can locate us in multiple areas. 

Areas in Gurgaon where Rupeek Operates

One can avail our services in the following localities in Gurgaon –

  • Manesar
  • Garhi harsaru
  • Pataudi
  • Sohna
  • Gurgaon Sector 17
  • Gurgaon Sector 33
  • Gurgaon Sector 56
  • Gurgaon Sector 45
  • Badshahpur
  • Wazirabad
  • Sultanpur
  • Palam Vihar

With us at Rupeek, availing an instant personal loan is just a click away. Why wait for tomorrow when you can apply now!

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Frequently asked questions

1. How to apply for a personal loan against gold with Rupeek?

Individuals need to request a loan from the Rupeek website by clicking on ‘apply now’ option or by entering the phone number. Then, they need to complete the KYC documentation and gold valuation process at their home with our loan representative. After that, they can get the money directly transferred to their account.

2. What are the documents needed for a gold-backed personal loan in Gurgaon?

You only need to provide KYC documents, like PAN card, Aadhaar card, Voter’s ID card, etc. as identity proof. Besides these, submit recent utility bills or rent agreement as an address proof.

3. Who are Rupeek’s personal loan lending partners?

Rupeek’s lending partners are ICICI Bank, Karur Vysya Bank and Federal Bank.

4. How can I re-pledge my existing gold-backed personal loan with Rupeek?

If you are an existing customer of Rupeek and want to re-pledge your valuables, you can contact our customer support team. They will guide you through the entire process.

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