Gold Loan in Kakinada

Unimoni is a leading name in financial services, boasting a strong reputation built on trust, transparency, and a customer-centric approach. At the Kakinada branch, we bring this same commitment to every customer seeking a gold loan.

Here's why customers in Kakinada choose Unimoni :

• Quick disbursal within 30 minutes
• Fair and transparent gold valuation
• Loan amounts up to 75% of gold's value
• Flexible repayment options
• Complete gold security and insurance
• No hidden charges

Key Benefits of Availing of a Gold Loan at Unimoni Kakinada

• Swift Disbursal for Urgent Needs

  At Unimoni Kakinada, we value your time. Once your gold is evaluated and the documentation is completed, we process and disburse the loan amount within 30 minutes. Whether you need funds for a family function, hospital bill, or urgent travel, we are here to help—quickly and reliably.

• Minimal Documentation

  No long queues. No complex paperwork. All you need is a PAN card to get started. For larger loan amounts or to meet RBI compliance requirements, we may request additional identification, but our documentation process remains fast and user-friendly.

• Accurate Gold Valuation with Maximum Loan Eligibility

  We utilize advanced karat meters and live market prices to assess the purity and value of your gold accurately. Based on RBI guidelines, we offer a loan-to-value (LTV) ratio of up to 75%, ensuring that you get the most value from your ornaments without having to sell them.

• Flexible Repayment Plans to Suit Your Lifestyle

  Every borrower's financial situation is unique. That's why we offer multiple repayment plans at Unimoni Kakinada:

• Monthly EMIs – Perfect for salaried individuals
• Interest-only repayments – Ideal for short-term or seasonal income holders
• Bullet repayment – Pay the entire loan amount in one go at the end of the term

Select the plan that best suits your income and preferences.

• Gold Safety is Our Top Priority

  Your gold is not just collateral—it's often a sentimental treasure. That's why Unimoni Kakinada ensures maximum security with:

  • Fireproof, fully insured vaults
  • 24/7 CCTV surveillance
  • Tamper-proof packaging and detailed receipts

  Your peace of mind is as valuable to us as your gold.

• Transparent Costs with No Hidden Surprises

  Our pricing model is built on clarity and transparency. Apart from competitive interest rates, you'll be informed of:

  • Processing charges
  • Renewal fees
  • Prepayment/foreclosure charges (often nil)
  • Late payment penalties

  We explain all costs upfront, ensuring complete transparency throughout the loan cycle.

Step-by-Step Process to Apply for a Gold Loan at Unimoni Kakinada

• Visit our Kakinada branch with your gold and ID proof
• Gold evaluation is carried out using certified karat meters
• The loan amount is offered up to 75% of the gold's value
• Documentation is completed (primarily PAN card)
• The amount is disbursed digitally to your bank account (IMPS/NEFT)

It's that simple.

There is no need to carry cash or wait for cheques. Your loan amount is transferred directly to your bank account via secure platforms, such as IMPS or NEFT, ensuring a fast and safe transaction.

When to Consider a Gold Loan in Kakinada

People from all walks of life choose gold loans for different reasons. Here are some common scenarios:

• Starting or expanding a small business
• Paying medical bills or insurance premiums
• Covering education or tuition costs
• Renovating your home
• Managing wedding or festival expenses
• Handling cash flow issues during emergencies

Whatever your need, Unimoni Kakinada is ready to help.

What You Should Know Before Taking a Gold Loan

• Accurate Gold Valuation & Fair Loan Amount

  Your gold's purity and weight are key factors in determining its loan value. At Unimoni Kakinada, we use modern karat meters to ensure precision and fairness. You'll receive up to 75% of your gold's market value, enabling you to maximize your borrowing capacity.

• Flexible Repayment Options

  We understand that no two financial plans are the same. That's why we offer a range of repayment options, including EMIs, interest-only payments, and bullet payments, enabling you to repay according to your income flow and comfort level.

• Full-Proof Gold Security

  Your valuables are stored with maximum care and security. Our branch offers:

• Tamper-proof sealed packets
• CCTV-monitored storage facilities
• Insurance coverage for gold while in our custody
• Transparent Costs

  Interest rates aren't the only thing to watch. Always consider:

  • Processing fees
  • Renewal or extension charges
  • Late payment fees
  • Any applicable foreclosure terms

  At Unimoni Kakinada, all costs are disclosed clearly, so you know exactly what you're paying.

At Unimoni Kakinada, we believe that your gold is more than just a precious metal—it's a valuable asset that can be the key to achieving your financial goals. Whether you need a short-term loan or urgent funds, we are here to provide the support, service, and trust you deserve.