Gold Loan in Tellicherry

A gold loan is the fastest way to meet urgent financial needs while keeping your precious metals safe. Here's how Unimoni Tellicherry makes that experience exceptional:

• Fast Approval and Disbursal Within 30 Minutes

  Bring your gold and ID proof, and our team will handle valuation and documentation swiftly. Funds are disbursed on the spot via bank transfer or cash, depending on your preference and RBI guidelines.

• Maximum Value for Your Gold

  We follow a customer-first approach. Based on current market prices and RBI regulations, we provide up to 75% of the gold's value—helping you borrow efficiently without compromising the asset.

• Insured and Secure Gold Storage

  Your pledged ornaments are sealed in tamper-evident packets and stored in 24/7 CCTV-monitored, insured vaults, ensuring the total protection of your gold until you repay the loan.

• Simple Documentation

  To make the process easy and inclusive, we ask for only:

  • A valid PAN Card

  No extensive paperwork or bank history is required.

• Transparent Interest Rates and No Hidden Costs

  Unimoni Tellicherry believes in building long-term relationships. That's why we maintain complete clarity on interest rates and fees—no hidden charges—only honest communication.

• Flexible Repayment Methods

  Choose a repayment structure that fits your cash flow:

• Bullet repayment
• Monthly EMI
• Interest-only payments with principal at maturity

You can also pre-close or renew your loan with ease.

• Regulated, Compliant, and Ethical

  Unimoni is a certified financial services provider authorized by the RBI, and every gold loan transaction adheres to strict legal and ethical standards, ensuring a worry-free and professional experience.

Key Considerations Before Taking a Gold Loan

Borrowing gold is a wise financial decision when done with care. Here are some key things to keep in mind:

• Understand the LTV Ratio

  Loan-to-value (LTV) determines how much you can borrow. As per RBI norms, we offer up to 75% of the gold's value. The purer the gold, the higher the loan eligibility.

• Know Your Interest Rate

  Our rates are competitive and transparent. But always make sure to ask about:

• Processing charges
• Renewal fees
• Penalties (for late repayment)

Even a 1% difference can make a significant impact over time.

• Repayment Terms Should Match Your Capacity

  Select repayment terms that align with your income. Missing payments can lead to stress, but with the right plan, you'll stay on track comfortably.

• Gold Safety Is a Priority

  We take the responsibility of storing your gold seriously. From tamper-proof packaging to secure lockers, your ornaments remain untouched, untarnished, and protected.

Essential Documents to Apply – It's That Easy!

To apply for a gold loan at Unimoni Tellicherry, bring the following:

• PAN Card – Required for KYC and loan processing.

Walk into our branch with your PAN card and gold, and we'll handle the rest—from documentation to disbursal—without unnecessary delays.

How Unimoni Tellicherry Disburses Loans Swiftly and Securely

Our team is trained to process your gold loan application quickly while ensuring full regulatory compliance. Once the gold is evaluated and the paperwork verified, you receive your funds through the following:

• IMPS – Instant credit to your bank account, 24/7
• NEFT/RTGS – For high-value transactions within banking hours

Visit Unimoni Tellicherry – Where Your Gold Helps You Grow

At Unimoni Tellicherry, we combine local insight with national expertise, offering gold loans that are swift, secure, and stress-free. Whether it's a financial emergency or a growth opportunity, your gold holds the answer—and we help you unlock it responsibly.