Gold Loan in Nawanshahr

• Trusted Go" d Evaluation and High Loan-to-Value (LTV) Ratio

  A" Unimoni Nawanshahr, we ensure a fair and accurate valuation of your gold using state-of-the-art karat meters. This guarantees a precise assessment of purity and weight. By RBI guidelines, we offer a loan amount of up to 75% of the current market value of your gold. This means you get the highest possible funds against your gold while ensuring full regulatory compliance.

• Tailored Repayment Plans to Match Your Needs

  Your financial responsibilities are unique, and so should your repayment plan. At Unimoni Nawanshahr, we provide flexible options that accommodate different financial habits and income patterns:

  • Monthly EMIs: Best suited for salaried individuals with a steady income stream
  • Interest-Only Payments: Ideal for those seeking low initial payments while retaining liquidity
  • Bullet Repayment: A single lump sum payment at the end of the loan term, perfect for those expecting funds at a later date
  • You can select the repayment model that fits your current and future cash flow comfortably.

• Maximum Security Measures for Your Gold Assets

  Your gold is not just valuable—it's sentimental. That's why its safety is our top priority. At Unimoni Nawanshahr, we take every precaution to safeguard your valuables:

  • Storage in fireproof, high-security vaults with insurance. That'sge
  • Round-the-clock CCTV surveillance to monitor vault access
  • Each gold item is placed in sealed, tamper-proof packets and catalogued with proper documentation for full traceability and accountability.
  • We treat your gold with the same level of care and security as you would at home—if not more.
• Understand the Total Cost Involved, Not Just Interest Rates

  While interest rates are essential, they don't represent the full cost of a gold loan. At Unimoni Nawanshahr, we encourage you to consider the entire financial picture:

  • Processing fees that apply during disbursal
  • Renewal or don't charges if the loan is extended
  • Foreclosure or prepayment fees, depending on early repayment policies
  • Late payment penalties for missed EMI or interest deadlines
  • We believe in complete transparency—no hidden charges or confusing clauses. All fees are communicated clearly at the beginning, allowing you to make informed and confident financial decisions.

Why Residents of Nawanshahr Trust Unimoni for Gold Loans

• Quick Disbursal Within 30 Minutes

  Time is of the essence. From assessment to loan approval and disbursal, our process is efficient and swift.

• Minimal Documentation – Just a PAN Card

  To get started, all you need is your PAN card. We don't burden you with lengthy paperwork or unnecessary formalities.

• Accurate Valuation, Maximum Eligibility

  With certified valuation tools and real-time market data, we ensure that your debt is assessed fairly, allowing you to obtain the maximum possible loan amount.

• Customizable Repayment Options

  Choose the repayment structure that suits your income type—whether you're salaried, self-employed, or managing a household.

• Competitive Interest Rates with No Hidden Fees

  We offer competitive interest rates with no hidden fees. There are no hidden charges and no penalties—just clear, honest lending.

• High-Level Security for Pledged Gold

  Your gold stays safe in insured, high-security vaults under constant monitoring. We handle it with the same care and integrity as you would.

• Supportive Customer Service

  From start to finish, our team at Unimoni Nawanshahr is here to answer your questions, assist with procedures, and guide you throughout the loan lifecycle.

Documents Required to Avail a Gold Loan at Unimoni Nawanshahr

• Primary Requirement: PAN Card

Fast & Secure Loan Disbursal to Your Account

As soon as your loan is approved, we transfer the funds directly to your bank account via IMPS or NEFT, ensuring a smooth and immediate experience with zero waiting time.