Key Points to Know Before Applying for a Gold Loan
Being informed is essential when pledging your gold for a loan. Here's what you need to keep in mind:
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Loan Amount & LTV Ratio
The loan value depends on the purity, weight, and market price of your gold. As per RBI guidelines, up to 75% of the value can be offered as a loan. At Unimoni B C Road, we ensure a precise and fair evaluation using certified karat meters and real-time pricing.
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Flexible Repayment Choices
Your financial routine is unique, so your repayment plan should be, too. Unimoni B C Road offers:
- EMI-based repayments
- Interest-only payments
- Bullet repayment at maturity
Choose a plan that best fits your cash flow.
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Top-Notch Security for Your Gold
Your gold is precious, and we treat it with the utmost care and respect. Our facility at B C Road features:
- Fire-resistant, fully insured vaults
- Tamper-proof storage packets
- 24x7 CCTV surveillance
You can rest assured your gold is protected throughout the loan period.
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Understand Total Loan Cost
It's essential to look beyond the interest rate and consider:
- Processing fees
- Prepayment charges
- Renewal fees
- Penalties for late payments
Unimoni B C Road ensures complete transparency in all charges—no hidden costs.
Why Unimoni B C Road is Your Best Choice for a Gold Loan
Here's why so many borrowers trust our branch in BC Road:
- Quick Disbursal – Funds in 30 Minutes
Emergencies can't wait. Our quick evaluation and approval process ensures you walk out with funds within 30 minutes.
- Minimal Documentation – Just a PAN Card
We've made the process as simple as possible. In most cases, your PAN card is all that's required to get started.
- Precise Valuation – Maximum Eligibility
We use advanced karat meters to measure gold purity and link it to real-time market rates. This ensures you get the best loan amount possible.
- Tailored Repayment Options
Pick what suits you—monthly EMIs, interest-only payments, or lump sum bullet repayment. Unimoni B C Road offers you complete flexibility tailored to your income and convenience.
- Low Interest Rates – No Surprises
We offer competitive interest rates with no hidden charges. Everything is laid out clearly at the start.
- Secured Vaults – Maximum Protection
Your gold is stored in highly secure vaults that are constantly monitored. It remains safe and insured until you repay your loan.
- Friendly Customer Support
Our staff at BC. The road is well-trained and customer-focused. From explaining loan terms to guiding you through repayments, we're with you every step of the way.
Documents Needed for a Gold Loan at Unimoni B C Road
We value your time and offer a simple documentation process. For most loans, you only need:
- PAN Card (Mandatory for identity and compliance)
Additional documents may not be required, as per regulatory norms- the process remains swift and hassle-free.
Seamless Disbursal – No Delays, No Complications
At Unimoni B C Road, speed and reliability are priorities. Once your gold is valued and the loan is approved, the amount is disbursed quickly via:
- Bank transfers via IMPS or NEFT
We ensure your financial needs are met promptly and securely.
FAQ
You can receive up to 75% of your gold's market value, depending on its purity and current price. We use certified equipment for accurate valuation.
Typically, just a PAN card is needed. For higher amounts, additional documents may be requested in line with regulatory norms.
Yes, your gold is stored in secure, tamper-proof packets within fire-resistant, insured vaults that are monitored 24/7 by CCTV.
Yes, you can repay early without any hidden penalties. This gives you the flexibility to manage your finances efficiently.
After evaluation and approval, disbursement is completed within 30 minutes at Unimoni, B C Road—either in cash or via direct bank transfer.
Choose from EMIs, interest-only payments, or bullet repayment. Our advisors will help you select the best plan for your financial situation.
