Gold Loan in Patna

Gold loans have become one of the most popular short-term financial solutions due to their ease and speed of execution. At Unimoni Patna, we combine customer-centric service with financial expertise to provide:

• Quick disbursal: Receive funds in as little as 30 minutes.
• Minimal documentation: A PAN card is typically sufficient for most loans.
• Flexible repayment: Choose a plan that suits your cash flow.
• High loan-to-value (LTV): Get up to 75% of your gold's market value, as per RBI guidelines.
• Robust security: Your gold is kept safe in insured, fireproof vaults under 24/7 CCTV surveillance.

Key Benefits of Unimoni Gold Loan Services in Patna

• Fast & Hassle-Free Process

  From evaluation to disbursal, the entire loan process at Unimoni Patna is swift and smooth. Our team ensures a streamlined experience, allowing you to receive financial assistance without unnecessary delays.

• Maximum Value for Your Gold

  Using certified karat meters and live market rates, we ensure an accurate valuation of your gold. This transparency helps you receive the maximum eligible loan amount.

• Flexible Repayment Options

  We understand that financial situations vary. That's why we offer diverse repayment plans:

• Transparent Interest Rates

  Our gold loans come with competitive and transparent interest rates. There are no hidden charges, so you always know exactly what you're paying.

• Top-Up & Renewal Facilities

  Do you already have a gold loan with us? You can top it up or renew it quickly without hassle, depending on the current market value of your pledged gold.

What You Should Know Before Availing a Gold Loan

• Accurate Gold Valuation & High LTV

  The weight and purity of your gold determine the amount of the loan. At Unimoni Patna, we use advanced equipment to ensure a fair and precise valuation. You can receive up to 75% of your gold's current market value.

• Choose a Repayment Option That Fits You

  Every borrower has unique financial habits. We offer three flexible modes of repayment:

  • Monthly EMIs: Ideal for salaried individuals.
  • Interest-only plans: Reduces your monthly burden.
  • Bullet repayment: Suitable for those expecting lump sum income.

• Complete Security for Your Valuables

  We treat your gold with utmost responsibility. At our Patna branch:

  • Gold is stored in fireproof, insured lockers.
  • Premises are under round-the-clock surveillance.
  • All items are sealed in tamper-evident packets and accompanied by a receipt.
• Full Transparency in Costs

  While interest rates are a key factor, it's crucial to consider additional fees:

  • Processing charges
  • Prepayment or foreclosure fees (if any)
  • Loan renewal charges
  • Late payment penalties

  Unimoni Patna maintains complete transparency to ensure you face no hidden surprises.

Required Documents for Gold Loan in Patna

To apply for a gold loan at Unimoni Patna, you only need a PAN card. In some cases, particularly for higher loan amounts, additional documentation may be required to comply with regulatory requirements. However, our documentation process remains efficient and straightforward.

Quick Disbursal Through Digital Channels

Once your loan is approved, the amount is disbursed through IMPS or NEFT for immediate access. This secure, paperless transfer ensures that the funds are directly deposited into your bank account.