Gold Loan in Chennai – Mount Road

Chennaiites are known for their prudent financial decisions, and Unimoni caters to that mindset with a gold loan offering that blends speed, security, and simplicity. Here's what sets us apart on Mount Road:

• Instant Loan Disbursal Within 30 Minutes

  Time-sensitive needs require fast solutions. At Unimoni Mount Road, we take pride in our streamlined gold appraisal process, minimal documentation requirements, and immediate loan processing. From the moment you walk in, our team ensures a smooth process, allowing you to walk out with funds in just 30 minutes.

• High Loan-to-Value (LTV) – Get the Most from Your Gold

  As per RBI regulations, Unimoni offers up to 75% of the gold's market value. Our accurate, transparent gold evaluation ensures you receive the maximum loan amount, whether you're pledging a small ornament or a large quantity of gold.

• Simple Documentation Requirements

  We minimize hassle to get you the funds you need quickly. All you need is:

• PAN Card

  No income proof, bank statements, or salary slips are required.

• Secure Storage You Can Trust

  Your gold is stored in tamper-proof packaging inside fully insured, high-security vaults with 24/7 surveillance. At Unimoni , we treat your gold with the same care and respect as you do.

• Custom Repayment Options to Suit Your Lifestyle

  Choose from repayment plans like:

  • Monthly EMIs
  • Bullet Repayment (lump-sum at tenure end)
  • Interest-Only Monthly Payments

  We offer complete flexibility, allowing you to repay the loan at your financial convenience—without penalties for early closure.

• Transparent Interest Rates with No Hidden Costs

  We believe in complete transparency. Our competitive interest rates are disclosed, and we do not impose hidden charges, surprise penalties, or unclear terms.

What You Should Know Before Opting for a Gold Loan in Chennai

Choosing a gold loan is a smart financial move—but only if you understand the process clearly. Here are a few essential points to keep in mind:

• Loan-to-Value (LTV) Ratio

  The LTV ratio determines how much you can borrow against the gold you pledge. Unimoni Mount Road adheres strictly to RBI guidelines, offering up to 75% of the current gold value. Our gold appraisal process is fair and precise, ensuring maximum eligibility for all items.

• Interest Rates and Associated Fees

  Interest rates vary depending on the loan amount and tenure. Before choosing a lender, always check for:

• Interest Rate Structure
  
  • Processing Fees
  • Late Payment Charges
  • Prepayment Penalties

  At Unimoni , we offer transparent, competitive rates that help you save more over time.

• Security and Storage of Gold

  Trust only those lenders who offer insured storage, security protocols, and tamper-proof sealing. Unimoni ensures that your gold remains safe throughout the loan period and is returned in the same condition as when you initially handed it over.

• Flexible Repayment Structures

  Inquire about available repayment models and select one that matches your income cycle. With Unimoni , you can opt for short-term or long-term repayment plans that allow interest-only, bullet repayment, or EMI-based options.

Documentation Required for Gold Loan at Unimoni Mount Road

Getting started is easy! You need:

• PAN Card – For identity and regulatory compliance

This streamlined documentation policy enables you to access funds more quickly and efficiently, eliminating unnecessary bureaucratic hurdles.

Disbursal Methods That Match Your Speed

Once your loan is approved, Unimoni disburses funds instantly via multiple safe methods:

• IMPS – Instant, round-the-clock transfers
• NEFT/RTGS – For higher-value, same-day transfers

Whatever your need, we ensure that the money reaches you quickly and securely.

Why Unimoni Mount Road is Chennai's Preferred Gold Loan Partner

Unimoni isn't just a financial services provider—we're your financial ally. With our Mount Road branch in a prime Chennai location, we combine local expertise with national trustworthiness. Whether you're a salaried employee, entrepreneur, or homemaker, our services are designed to help you meet your financial goals without stress or delays.

Visit Unimoni Mount Road today—and let your gold work for you!