Things to Know Before Applying for a Gold Loan at Unimoni Ludhiana
Understanding the basics of gold loans will help you borrow smartly and safely.
- Gold Valuation and Loan-to-Value Ratio
At Unimoni Ludhiana, gold is assessed using advanced karat meters to ensure purity and weight are calculated accurately. We offer up to 75% of the gold's market value, as per RBI guidelines.
- Safety of Your Gold – Our Top Priority
Security is central to our services. Your gold is kept in insured, fireproof vaults under continuous CCTV monitoring, sealed with tamper-proof packaging and handled professionally.
- Tailored Repayment Options
You can select from:
- Monthly EMIs
- Interest-only payments
- Bullet repayment (one-time at maturity)
This helps you repay based on your income flow and financial planning.
- Clear Interest Rates & No Hidden Fees
Unimoni Ludhiana offers competitive interest rates and complete transparency of costs. You won't face surprises from hidden processing fees, prepayment penalties, or foreclosure charges.
Why Unimoni is a Preferred Gold Loan Provider in Ludhiana
With a strong track record of trust and efficiency, here's why Ludhiana residents choose Unimoni :
- Lightning-Fast Disbursal – Under 30 Minutes
Once your gold is evaluated and documents are verified, we disburse funds within half an hour. It's ideal for urgent needs.
- Minimal Documentation – Just a PAN Card
We don't ask for unnecessary paperwork. Just submit your PAN card to get started.
- Flexible Repayment Modes
Select your repayment option based on your financial comfort. Whether you're salaried, self-employed, or a business owner, we've got a plan that works for you.
- No Hidden Costs
All terms are clearly explained from the beginning, with no hidden charges, processing fees, or surprise deductions.
- Top-Grade Security for Your Gold
We store your gold in world-class vaults under 24/7 CCTV monitoring. Complete insurance coverage adds an extra layer of peace of mind.
- Local Support Team
Our Ludhiana staff is trained to assist you with warmth and clarity. Personalised service ensures every visit is smooth and stress-free.
Documents Required at Unimoni Ludhiana
The documentation process is kept as simple as possible. For most loan amounts, you only need:
- PAN Card for identity verification and regulatory compliance.
Additional documents may be requested for high-value loans as per standard RBI rules.
Instant, Paperless Disbursal – Right to Your Bank Account
Time is critical during financial urgency. That's why Unimoni Ludhiana transfers your approved loan amount instantly to your account via IMPS or NEFT. The process is fast, secure, and fully digital—no need to carry cash or wait endlessly.
We help you turn your gold into liquidity with unmatched speed, safety, and customer satisfaction.
FAQ
You can avail up to 75% of your gold's market value, as per RBI regulations. The actual amount depends on purity, weight, and current gold prices.
Absolutely. Your gold is stored in insured, fire-resistant vaults with 24/7 surveillance. Each item is sealed, tracked, and returned in the exact condition.
Yes, Unimoni Ludhiana allows early repayment or foreclosure at any point during the loan term without charging additional fees. This gives you more financial flexibility.
If you miss a payment, interest may accrue, and you could be charged a nominal late fee. However, our team will reach out to help you find a resolution before any serious consequences occur.
We use certified karat meters and follow live gold market rates to assess your jewellery. This ensures a fair valuation with no risk of undervaluation.
Unimoni offers speed, transparency, and unmatched security. With lightning-fast disbursal, zero hidden fees, and customer-first support, we're trusted by hundreds of borrowers in Ludhiana.
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