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Gold Loan

Gold Loan is a secured credit provided by financial institutions against the gold Jewellery. Gold Loan, is a multi-purpose loan, which you can use to meet any of your immediate needs. Means if you have a requirement of money urgently so Gold loan is the best choice. In Gold Loan you have to give GOLD as collateral to BANK & NBFC. The Gold must be 20 CARATS and Above.

Features of Gold Loan:

Loan Amount You Can Avail Loan Amount up to 1 Cr as per GOLD Current Market Value. Maximum 90% of your Gold value.
Interest Rate Fixed Interest Rate. Starts at 10.00% onwards.
Tenure Tenure ranges is 3 Months to 2 Years.
Processing Fee Up to 2%
Processing time Only 2 Hours Required for Disbursal of Loan.
Flexible Prepayment Flexible Prepayment option available in Gold Loan which makes it attractive.
Part payment Part payment available. Depends on Case.
Collateral GOLD Jewellery Required as Collateral.

Eligibility Criteria For Gold Loan:

Eligibility Criteria Eligibility Criteria Details
Age Minimum Age 21 year and Maximum 60 Years at the Time of Loan Maturity
Minimum Income No Income Required.
Cibil Score Cibil not Mendatory.
GOLD Jewellery Gold Jewellery Must Be 20 CARATS and Above
Resident Indian Only
Who Can Avail OD LIMIT Anyone Can Avail like Salaried Person, Self Employed Professionals, Homemakers, Self-Employed Business person.

Documents Required for Gold Loan:

Required documents Required Documents Details
Photo Passport size photo
Id proof Pan Card / Aadhar Card / Passport / Voter Id Card / Driving Licence
Address proof Aadhar Card / Passport / Voter Id Card / Driving Licence / Mobile Bill / Telephone Bill / Electricity Bill / Water bill ( Any One Document Required For Address Proof )
Income Document No Income Document Required

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