Personal loans in Kolkata

To apply for a personal loan in Kolkata, individuals need to visit the lender’s official website or their nearest branch, and duly fill out the application form.

However, before applying for this financial product, they must check personal loan eligibility to ensure the non-rejection of their application.

The specific eligibility criteria may vary across lenders. However, most reputed lenders require individuals to satisfy the standard parameters mentioned below.

1. Age: Above 21 years
2. Credit score: 750+
3. Monthly income: As per the need of a lender
4. Work experience: Minimum 1 year

Struggling to meet the eligibility requirements of a personal loan?

In that case, individuals can opt for alternatives like a gold loan. Besides more relaxed eligibility criteria, a gold loan also helps individuals bypass inconveniences like lengthy documentation and high interest rates.

Due to the several conveniences, a gold loan offers, borrowers can meet several financial obligations better with it. A few of these use-cases are mentioned below –

1. Home Renovation

Availing a home credit personal loan may be a good idea for home renovation, but the longer tenure associated with them increases the total interest payable. Instead, homeowners can opt for a gold loan that will offer them similar benefits, but at a lower repayment cost.

2. Debt Consolidation

Availing gold loans instead of unsecured personal loans for debt consolidation is a better alternative. The reason being, gold-backed personal loan interest rates are low; thus, the total liability also lowers.

3. Medical Emergencies

Since gold-backed financing options offer quick disbursal, typically within a few hours, they are an ideal option for any medical emergency. Individuals can avail funds quickly to manage such situations without any hiccups.

4. Higher Education

Traditional education loans have strict eligibility criteria and restriction on their usage. Alternatively, gold loans allow them freedom of use and lenient eligibility requirements.

Apart from these, individuals can use a gold-backed loan to finance any monetary requirements that they may have.

Selecting a reliable lender is also imperative when looking for “personal loan providers near me” to make this process hassle-free and the borrowing experience, a pleasant one. To that end, individuals can turn to Rupeek.

One of the leading gold loan providers, Rupeek has distinguished itself from the competition with its customer-centric benefits and variety of schemes. Here are some prominent features of Rupeek, which makes this company a reliable borrowing partner.

1. Repayment Flexibility

We, at Rupeek, offer several options to simplify repayment. Individuals can repay with one-time bullet payment or monthly EMIs as per their repayment capacity.

2. Highest Per Gram Rate

Rupeek offers one of the highest per gram rates in Kolkata. Borrowers can use the gold loan calculator available on our website to check this rate. Also, they can use this calculator to find the amount of gold they need to pledge to avail their desired amount.

3. Lowest Rate of Interest

Alongside the highest per gram rate, we offer one of the lowest interest rate personal loans against gold. It begins at 0.79% per month, making interest payment more affordable.

4. Overdraft Facility

Individuals can also lower their interest liability with our overdraft facility, Rupeek Quick. It allows borrowers to withdraw any amount from the sanctioned limit anytime and pay interest only on that amount.

5. Doorstep Service

We enhance customer experience further by offering instant gold loans at your doorstep. Once they finish the application process, our loan manager will reach their address within 30 minutes with an ISO certified gold appraisal kit. They will authenticate the documents and evaluate the gold articles. Once they are satisfied, borrowers will receive their money.

6. High Security

We follow state-of-the-art security protocols in storing and carrying the pledged gold ornaments. Our company representative will use a GPS-enabled bag to carry them, and we store them in military-grade vaults. Moreover, these gold ornaments enjoy insurance coverage during the loan tenure.

Besides our several benefits, our presence across all the top localities in Kolkata makes our services even more convenient. These are the localities where we are operational:

• Jadavpur
• Baranagar
• Kalighat
• Dum Dum
• Baghajatin
• Park Street
• Taltala
• Tollygunge
• Ganesh Chunder Avenue
• Ballygunge
• Esplanade
• Hastings
• College Square
• Park Circus
• Behala
• Dharmatala

Personal loan in Kolkata is a convenient solution to manage any financial requirement. Its customer-friendly features help borrowers in a variety of situations. Additionally, if an individual opts for a gold-backed personal loan, it will assist them even further with added facilities.

Avail a gold-backed personal loan within 60 minutes from Rupeek, and solve your financial crisis instantly.