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In India, Gold has always been an asset that supports you in the need of an hour. If you have jewelry or ornaments or raw form of this valuable metal, you can simply borrow sufficient money by pledging it to the bank or money lender. The amount can be used for any purpose like marriage expense, purchase of property, investment in the business, construction of the home, education or to fulfill any other necessity. 

"Gold Loan In India" is given by several banks, financial institution, or many lenders, you can choose as per your convenience. Each bank or money lender has its terms and conditions to give you the loan amount. Mostly you will get 80% value of gold ornaments. To know more about the Gold loan and its benefits, here are some key points you need to remember while applying for a gold loan.

•    You can apply for the gold loan both online and offline. If you are applying online then make sure you have researched well. It helps you to be saved from fooled agencies by some fake agency. 

•    You will get the loan amount as per the market value of gold ornaments. You can borrow till 50 lakh as per your requirements.

•    You do not have to pay any EMI, in most of the cases. You just need to pay the interest.

•    The interest rate is very low. It can be somewhere between 8 to 11% depending on the bank or money lender you have chosen. 

•    To get approve your amount, the basic requirement is that your asset or ornament must be approved and it should be minimum of 20 carats or above.

•     You require minimum documents to "Apply For Gold Loan". You need one passport size photograph, you need to submit any of your identity proofs (Passport, Aadhar Card ) and address proof. 

•     As per the Indian rules and regulations, your age must be 18 years or above.

•     The loan is highly safe and secure. Along with the amount, you also get the security of your assets. You will get your ornaments back once you will repay the amount.

•    There are no fixed eligibility criteria to get the money for your gold. It can be taken by anyone who has gold ornaments. You do not need to show proof of your regular income. There is no minimum income required to apply for gold loan

•    Once you apply for the loan amount from whatever means you have selected online or offline you can get the amount in your hand in the next 72 hours. You will get the disbursal quickly.

Whether you are a student, businessman, or a homemaker, you can get your gold loan approved. What are you waiting for? If you have your ornaments locked in your locker and you are in urgent need of money go to your nearest bank and get your requirement fulfilled at the earliest. Make sure you have searched for all the information related to the interest rates, privacy policies, and documentation process


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