Gold Loan in Gajuwaka

Making informed financial decisions begins with understanding the essential features of the loan. Here's what you should look out for:

• Loan-to-Value (LTV) and Gold Valuation

  The amount you receive depends on the purity and weight of your gold, as well as current market rates. As per RBI regulations, up to 75% of your gold's market value can be loaned. Unimoni Gajuwaka uses certified karat meters for accurate, real-time gold valuation.

• Flexible Repayment Methods

  Every borrower's financial situation is unique. That's why Unimoni Gajuwaka offers:

  • Monthly EMIs
  • Interest-only payments
  • Bullet repayments

  Select what suits your income pattern and comfort level to maintain stress-free finances.

• Gold Security is a Priority

  The gold you pledge should be treated with care and protected like a valuable asset. At our Gajuwaka branch, your gold is stored in:

  • Tamper-proof packets
  • Fire-resistant, insured vaults
  • Facilities with 24x7 CCTV surveillance
• Know the True Cost of Borrowing

  Low-interest claims can be misleading. Always check:

  • Processing charges
  • Renewal fees
  • Foreclosure penalties
  • Late payment fines

  Unimoni Gajuwaka is transparent about all fees upfront—no surprises later.

Why Choose Unimoni Gajuwaka for Your Gold Loan?

Unimoni 's Gajuwaka branch offers the perfect combination of speed, simplicity, and safety when it comes to gold loans. Here's why hundreds of customers trust us:

• Quick Loan Processing – Get Money in 30 Minutes

  We know emergencies don't wait. From evaluation to disbursement, the entire process is fast-tracked, so you receive funds when you need them most.

• Minimal Documentation – PAN Card is Enough

  You don't need a pile of documents. Just submit your PAN card, and we'll take care of the rest with our efficient and user-friendly system.

• Precise Gold Valuation for Maximum Loan Amount

  We ensure full value for your gold using certified tools and real-time pricing. There's no guesswork—just honest, accurate assessments.

• Customized Repayment Options

  Whether you're salaried, self-employed, or a homemaker, our repayment plans are flexible and tailored to your needs. Choose how you pay—monthly, at maturity, or interest-only.

• No Hidden Charges – 100% Transparency

  We value your trust. At Unimoni Gajuwaka, we ensure there are no hidden fees, making it easier for you to manage your loan.

• Uncompromised Gold Security

  We treat your gold as if it were our own. It is stored in fully insured vaults under 24/7 surveillance, protected by the highest security standards.

• Customer-Centric Approach

  Our trained staff at Gajuwaka is always ready to help—from explaining loan terms to guiding you through the repayment process. We're here to make your experience smooth and worry-free.

Documents Required for Gold Loan at Unimoni Gajuwaka

The process is quick and straightforward. To apply for a gold loan, you need:

• PAN Card – This serves as ID verification and meets regulatory requirements.

For higher loan amounts, additional Know Your Customer (KYC) documents may be required, as per RBI guidelines. However, rest assured that our process remains hassle-free and efficient.

Disbursal – Quick and Seamless Every Time

Time is Money—especially during emergencies. That's why at Unimoni Gajuwaka, once your gold is evaluated and the loan is approved, disbursal happens within minutes.

• Instant bank transfer via IMPS/NEFT

You walk in with your gold and walk out financially empowered.