Gold Loan in Kalikapur

Understanding a few critical aspects can help you make a confident decision when applying for a gold loan.

• Accurate Gold Evaluation & RBI-Regulated LTV Ratio

  The value of your gold depends on its purity, weight, and the prevailing market rate. At Unimoni Kalikapur, we ensure your gold is evaluated using calibrated karat meters, ensuring complete transparency. In line with RBI regulations, we offer a loan amount of up to 75% of the gold's market value.

• Choose a Repayment Plan That Fits Your Needs

  Unimoni Kalikapur provides multiple repayment options so you can manage your finances with ease:

  • Monthly EMIs – for salaried individuals or fixed-income earners
  • Interest-only payments – suitable for those looking to minimize monthly outgo
  • Bullet repayment – pay the entire amount at once at the end of the term

  Our flexibility helps you stay in control of your repayment schedule.

• Ensure Your Gold is in Safe Hands

  Security is non-negotiable when it comes to gold. At our Kalikapur branch, we:

  • Store your gold in insured, fireproof vaults
  • Maintain 24/7 CCTV surveillance
  • Provide sealed and documented packets with unique identifiers

  We treat your gold with the utmost care and protection, just as if it were our own.

• Look Beyond the Interest Rate

  Many lenders display attractive interest rates, but it's essential to look at the complete picture. At Unimoni Kalikapur, we keep our fee structure clear and upfront, including:

  • Processing charges (if any)
  • Loan renewal fees
  • Prepayment or foreclosure terms
  • Penalties for late payments

  Our goal is transparency—no hidden surprises.

Why Choose Unimoni for Your Gold Loan in Kalikapur?

Unimoni is a name trusted across India, known for delivering dependable and fast financial services. Here's what makes our Kalikapur branch the right choice:

• Immediate Cash Disbursal – In Just 30 Minutes

  When time is critical, speed is essential. We evaluate your gold quickly and transfer the approved amount within minutes—often in 30 minutes or less.

• Simple Documentation – PAN Card Is Enough

  Forget the stress of submitting bundles of documents. At Unimoni Kalikapur, all you need is your PAN card. We handle the rest so you can focus on your needs.

• Fair & Transparent Gold Valuation

  Our experienced staff utilizes certified tools and current market data to value your gold accurately. You get the maximum eligible loan without any undervaluation.

• Repayment Plans That Adapt to You

  Whether you're a homemaker, freelancer, or businessperson, we offer repayment structures that match your income flow. Select the plan that helps keep your finances balanced.

• Full-Proof Security Measures

  Your gold is sealed, stored in secure vaults, and insured from the moment it enters our premises. Our tamper-evident packaging and tracking procedures provide you with complete peace of mind.

• Friendly Customer Support

  Our staff in Kalikapur are courteous, trained, and always ready to guide you—from gold assessment to loan repayment. We focus on building trust through excellent service.

Documents Needed for a Gold Loan at Unimoni Kalikapur

Getting started is easy and requires:

• PAN Card – used as both identity and compliance verification

In some cases, we may request additional documents for large loan amounts; however, our default process is quick and paper-light.

Speedy Disbursal via Digital Transfer

Once your gold is evaluated and the loan approved, the funds are sent directly to your bank account. At Unimoni Kalikapur, we use NEFT, IMPS, and other digital banking methods to ensure real-time fund transfers. There's no need to wait in long queues—your money reaches you securely and fast.