Gold Loan in Kumbakonam

Before availing of a gold loan, knowing how the process works can help you make better financial decisions.

• Accurate Gold Evaluation and Maximum Loan Value

  The amount you receive depends on the purity, weight, and current market price of your gold. By RBI norms, Unimoni can provide up to 75% of the gold's value as a loan. We use certified karat meters to assess purity and ensure a transparent, fair valuation—giving you the highest loan eligibility.

• Select the Right Repayment Plan

  We offer multiple repayment choices to suit different financial profiles:

  • Monthly EMIs for those with fixed monthly incomes
  • Interest-only payments, where the principal is paid at the end
  • Bullet repayment is ideal if you expect a lump sum in the future

  Unimoni Kumbakonam's flexible repayment system helps reduce your burden while ensuring financial discipline.

• Safety Measures for Your Gold

  We know how precious your gold is—emotionally and financially. That's why we take utmost care by:

  • Storing it in fully insured and fire-proof vaults
  • Monitoring with 24/7 CCTV surveillance
  • Sealing and tagging your jewellery securely

  Your gold stays safe with us, and we return it in the same condition.

• Know the Total Loan Cost

  While low interest rates are appealing, always check the complete cost structure, including:

  • Processing or handling charges
  • Loan renewal or extension fees
  • Prepayment or foreclosure penalties
  • Late payment fines

  At Unimoni , we maintain 100% transparency with no hidden charges so you can plan your finances with confidence.

Why Choose Unimoni in Kumbakonam for Gold Loans?

Unimoni has earned the trust of thousands of customers across India by delivering on promises. At our Kumbakonam branch, we offer specialized gold loan services that are quick, easy, and completely customer-centric.

• Cash Disbursal Within 30 Minutes

  Emergencies require instant access to funds. That's why we ensure your loan is processed and approved within just 30 minutes, from gold evaluation to money transfer.

• Simple Documentation – Bring Your PAN Card

  Applying for a gold loan doesn't require piles of paperwork. At Unimoni Kumbakonam, your PAN card is enough to get started. The process is quick and straightforward.

• Transparent Gold Appraisal

  Using precision-based karat meters, our experts ensure that your gold's purity and weight are evaluated accurately. This means you receive the maximum possible loan without any undervaluation.

• You Choose How You Repay

  We offer repayment flexibility, so you're not tied to a rigid schedule. Whether you prefer structured EMIs or a one-time payment, Unimoni Kumbakonam lets you decide what works best for your situation.

• Gold Stored with High-End Security

  Your gold is stored in vault-grade security environments with sealed packets, insurance coverage, and constant monitoring. We prioritize the safety of your assets as much as you do.

• Supportive and Friendly Staff

  Our experienced and courteous team is here to guide you through every step—from application to closure. At Unimoni Kumbakonam, customer care isn't just a service—it's a commitment.

Documents Required for a Gold Loan at Unimoni Kumbakonam

Obtaining a gold loan here is a quick and straightforward process. You only need:

• PAN Card – for identity verification and compliance

If necessary, our team may request additional documents for higher-value loans; however, the process remains quick and user-friendly.

Instant Money Transfer – Get Funds in Minutes

Once your loan is approved, we don't waste time. Funds are disbursed directly to your bank account using secure NEFT or IMPS transfers. No waiting, no paperwork delays—just fast, safe access to your money when it matters most.