Essential Considerations Before Availing a Gold Loan
- Gold Valuation and Loan Eligibility
The purity and weight of your gold, along with the current market price, determine the value of your loan. At Unimoni Kapurthala, we utilize certified karat meters to provide accurate assessments and offer loans with up to 75% Loan-to-Value (LTV) as per RBI guidelines.
- Flexible Repayment Structures
Choose a repayment plan that matches your cash flow:
- EMIs for regular income earners
- Interest-only payments to lower initial burden
- Bullet repayment if you expect a lump sum at the end of the term
Our team helps you select the most suitable option for your situation.
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Maximum Safety for Your Gold
Your gold is safe with us. At Unimoni Kapurthala:
- All ornaments are stored in tamper-evident packets.
- Kept in fireproof, insured vaults
- Monitored 24x7 via CCTV surveillance
- We maintain the highest security standards to protect your trust.
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Look Beyond Just Interest Rates
Understand the full cost of the loan, including:
- Processing charges
- Prepayment or foreclosure fees
- Renewal charges
- Penalties for late payments
Unimoni Kapurthala ensures full disclosure, so you're never caught off-guard by hidden fees.
Why Choose Unimoni Kapurthala?
- Disbursal in Just 30 Minutes
Your time matters. That's why we process your application and disburse the loan within 30 minutes, allowing you to focus on what's important.
- Hassle-Free Documentation
To apply, you only need your PAN card. Our process is designed to eliminate bureaucracy and maximize efficiency and speed.
- Fair Gold Valuation
We assess your gold with advanced karat meters and real-time rates to offer the best possible loan value, ensuring transparency at all times.
- Flexible Repayment Tailored to You
Unimoni Kapurthala caters to salaried professionals, business owners, and homemakers with repayment plans tailored to your lifestyle.
- Affordable Rates, No Hidden Costs
Enjoy low interest rates, no prepayment penalties, and complete transparency on all fees.
- Comprehensive Security
Gold is stored securely in our insured vaults, under round-the-clock surveillance, and handled with care. You get a detailed receipt with every deposit for complete peace of mind.
- Personalized Customer Service
Our courteous and knowledgeable staff are always available to support you—from loan application to final repayment—ensuring a pleasant and professional experience.
Documents Needed to Avail a Gold Loan at Unimoni Kapurthala
- PAN Card (mandatory)
Fast Fund Transfer – Secure, Paperless Disbursal
Once your loan is approved, the funds are transferred directly to your bank account using IMPS or NEFT, ensuring speed, convenience, and safety without any paperwork delays.
FAQ
At Unimoni Kapurthala, you can receive your gold loan in as little as 30 minutes after evaluation and approval are complete.
Yes, your gold is stored in tamper-proof packets inside insured, fire-resistant vaults with 24/7 CCTV security at our Kapurthala branch.
You need to provide your PAN card. The application process is smooth, straightforward, and designed with your convenience in mind.
We offer EMIs, interest-only payments, and bullet repayment modes. You can choose the option that best suits your financial plan.
Absolutely. All charges, including processing fees and penalties (if any), are clearly explained before the loan is approved.
The approved loan amount is digitally transferred to your bank account via secure channels, such as IMPS or NEFT, ensuring safe and instant access to funds.
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