Gold Loan in Palakkad

Unimoni Palakkad offers a customer-centric approach with fast processing, easy repayment plans, and guaranteed security for your Gold. Here's why our branch is the preferred gold loan provider for many in the region:

• Loan disbursal in just 30 minutes
• Accurate valuation using karat meters
• Loan-to-Value (LTV) up to 75% as per RBI norms
• Flexible repayment options tailored to your needs
• Gold stored safely in fireproof, insured vaults
• No hidden fees—100% transparent charges

Benefits of Choosing a Gold Loan from Unimoni Palakkad

• Instant Loan Disbursal for Urgent Needs

  Life doesn't wait, and neither do we. At Unimoni Palakkad, your gold loan is processed and disbursed within 30 minutes of evaluation and KYC verification. Whether you're managing an emergency or seizing a timely investment opportunity, we're ready to assist.

• Simple Documentation, No Hassle

  All you need is your PAN card and gold jewellery. For larger loans or as required by regulatory norms, we may request additional ID proof—but our process remains quick and easy without tedious paperwork.

• Accurate Valuation for Maximum Loan Amount

  We use advanced karat meters to ensure the highest level of accuracy in evaluating the purity and weight of your Gold. Based on current market prices and RBI guidelines, you can receive up to 75% of the Gold's value as a loan.

• Flexible Repayment Options

  Unimoni Palakkad offers multiple repayment plans so you can choose what works best for your budget and income flow:

  • EMIs – Ideal for salaried customers
  • Interest-only – Great for short-term liquidity
  • Bullet payment – Perfect for when you expect to repay in a lump sum

  We ensure your repayment plan suits your lifestyle, not the other way around.

• Advanced Security Measures for Your Gold

  Security is our top priority. At Unimoni Palakkad:

  • Gold is stored in fireproof, insured vaults
  • Premises are monitored with 24/7 CCTV surveillance
  • Jewellery is sealed in tamper-evident packets and acknowledged with receipts

  We take utmost care to treat your Gold with respect and responsibility.

• Transparent and Affordable Charges

  We believe in zero hidden charges. Our interest rates are competitive, and we keep all other costs clear and upfront:

  • Processing fees
  • Renewal charges
  • Late payment penalties
  • Prepayment terms (often nil)

  At Unimoni , you get complete transparency from day one.

When Should You Consider a Gold Loan in Palakkad?

Gold loans are a quick and reliable way to get funds for:

• Educational fees or tuition
• Medical emergencies or health treatments
• Wedding or travel expenses
• Business expansion or inventory
• House repairs or renovation
• Short-term cash flow needs

With Unimoni Palakkad, you don't need to wait or compromise. Your Gold can help you move forward immediately.

Key Things to Know Before Availing a Gold Loan

• Reliable Gold Valuation & RBI-Compliant LTV Ratio

  Our certified appraisers use karat meters to accurately assess purity and value. As per RBI rules, we offer up to 75% of your Gold's market value, helping you unlock the maximum possible loan.

• Flexible Repayment to Match Your Finances

  Choose a repayment method that aligns with your income pattern:

  • Monthly EMIs for stable earners
  • Interest-only plans for flexible budgets
  • Bullet repayment if you prefer one-time closure

  You decide how you want to repay—it's your Gold, your rules.

• Uncompromised Safety for Your Gold Assets

  Gold pledged with us is stored with the highest security standards:

  • Fireproof vaults with full insurance coverage
  • Continuous CCTV surveillance
  • Tamper-proof packaging and itemized documentation

  You can rest assured your jewellery is in professional and secure hands.

• Understand the Complete Cost

  It's important to consider not just the interest rate but also:

  • Any processing charges
  • Loan renewal or extension fees
  • Foreclosure terms (often free)
  • Late payment penalties

  At Unimoni Palakkad, we clearly explain all charges so you are never caught off guard. If you're in or around Palakkad and looking for a secure, flexible, and quick way to get cash using your Gold, Unimoni Palakkad is your best choice. With expert guidance, complete transparency, and unmatched security, we ensure you receive the financial assistance you need without any stress.