Gold Loan in Nagercoil

Gold Loan in Nagercoil

Here’s a comprehensive guide on benefits, interest rates, and the process to get a gold loan in Nagercoil. Check your loan eligibility today and get the best value for your gold.

Rs. 5,000 - Rs. 2 crore

To find the nearest gold loan branch in Nagercoil,

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Understanding gold loan in Nagercoil 


In Nagercoil, gold holds significant cultural importance, symbolising prosperity, tradition, and elegance. The city's love for gold is evident during weddings and festivals, where intricate gold jewellery adorns both men and women, reflecting Nagercoil's rich craftsmanship and artistic heritage.

Get a gold loan in Nagercoil from Bajaj Finance and manage various financial requirements with ease. Get a ​gold loan per gram at a competitive interest rates, multiple repayment options, and more.


Why is gold loan a feasible borrowing mode in Nagercoil?

Availing a gold loan in Nagercoil is a popular choice for many residents seeking quick and hassle-free financial assistance. These loans offer flexibility and convenience, allowing individuals to leverage their gold assets without relinquishing ownership. With transparent terms and minimal documentation requirements, gold loans in Nagercoil provide a convenient solution for meeting various financial needs, from emergency expenses to investment opportunities.

So, if you are looking for quick funds, the Bajaj Finserv Gold Loan offers you an easy and hassle-free option. You can avail funds starting from Rs. 5,000 up to Rs. 2 crore with interest rates starting at just 9.50% p.a. With our gold loan, you can meet all your planned and unplanned expenses with great ease. Our gold loan offers several benefits.


Benefits and features of gold loans in Nagercoil
 

  • Part-release facility
    With our part-release facility, you can repay a part of your loan and take part of your gold jewellery back before the end of your loan tenure.
  • No part-prepayment or foreclosure fee*
    Repay a part of your loan in advance or pay the entire amount at no extra cost.
  • Transparent evaluation
    We use the most advanced karat metres across all our branches to make sure you get the most value for your gold.
  • Free insurance for gold
    Our free insurance covers against theft or misplacement of your gold jewellery while it is in our custody.
  • Convenient repayment options
    We offer multiple repayment options where you may choose to pay interest on a monthly, bi-monthly, quarterly, half-yearly, or annual basis as per your convenience. Please note that the principal amount and pending interest, if any, will be due for payment at the time of loan maturity.
  • Easy application process
    Apply for a gold loan online. Our representatives will help you with your application when you visit our Gold Loan branch in your city.
  • Gold loan of up to Rs. 2 crore
    We offer instant gold loans starting from Rs. 5,000 to Rs. 2 crore. You can choose the amount that suits you best from the offer extended to you.
  • 1100 branches and growing
    We have recently opened 60 new branches and are adding more across India. We are also opening new branches in the cities that we operate in.

Documents required to get gold loans in Nagercoil


Here's the list of KYC documents you can get to get your identity verified.  


  • Aadhaar card
  • Voter ID card
  • Passport
  • Driving licence
  • NREGA job card
  • Letter issued by National Population Registration

Though the PAN card is not a mandatory requirement, if you apply for a gold loan of Rs. 5 lakh or above you will be asked to submit your PAN card as well.


Tip: Do not let your jewellery sit idle—tap into its value with a gold loan that suits your needs. Check your gold loan eligibility today! 
 

Gold loan calculator in Nagercoil


The Bajaj Finserv Gold Loan Calculator is an online tool that you can use to calculate your gold loan interest rate and loan term. One of the key benefits of using our gold loan calculator is that it provides you with precise loan estimates based on the gold loan rate per gram. The calculator simplifies the process. Input your gold's weight or desired loan amount, and it provides an immediate estimate of the maximum loan amount available.


Why choose Bajaj Finance to avail a gold loan in Nagercoil?


Bajaj Finance offers a hassle-free application process, requiring minimal documentation and ensuring quick approval, making it an ideal choice for those in urgent need of funds. With additional benefits like multiple repayment options and transparent terms, we ensure a smooth and customer-focused borrowing experience, making it the preferred choice for availing of a gold loan in Nagercoil.


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Gold loan interest rates and charges in Nagercoil

Bajaj Finance offers gold loans at competitive interest rates, so you can borrow without worrying about high costs. The interest is calculated based on the amount you pledge and the repayment tenure you select. With multiple repayment options, you can manage the interest easily and plan your repayments without stress. There are no hidden charges, ensuring complete transparency. These affordable rates make it simple for you to meet your financial needs while keeping your jewellery safe.


Here's a list of gold loan interest rate and other charges: 


Types of feeApplicable charges 
Interest rate9.50% to 24% per annum
Processing fees0.15% of the loan amount (inclusive of applicable taxes).
Subject to a minimum Rs. 99 (inclusive of applicable taxes) and maximum of Rs. 600 (inclusive of applicable taxes).
Stamp duty (as per respective state)Payable as per state laws and deducted upfront from loan amount
Cash handling charges%$$Rs. 50 (inclusive of applicable taxes) applicable for cash disbursement only.
Penal charge3% per annum on outstanding balance. Penal charge will be over and above the interest rate which shall be applicable/chargeable in case of default in repayment of the outstanding dues post-maturity. 
Convenience fee Convenience fee of Rs. 149 (inclusive of applicable taxes) shall be levied for part release of ornament(s) pledged.
Part-prepayment chargesNIL
Foreclosure chargesNil, any time post disbursement of loan
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Eligibility criteria to avail gold goans in Nagercoil

Checking your gold loan eligibility with Bajaj Finance is easy and straightforward. You only need to be an Indian resident between 21 to 70 years of age and own 18-22 karat gold jewellery to pledge. There is no need for income proof or lengthy paperwork. Your gold is assessed for weight and purity on the spot, and the eligible loan amount is calculated instantly, making the entire process quick and hassle-free.


Quick fix: It takes just 2 steps to check your eligibility for a Bajaj Finserv Gold Loan. Enter your mobile number now.

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How to apply for a gold loan in Nagercoil?

The gold loan application process with Bajaj Finance is simple and transparent. You can either visit the nearest branch or apply for gold loan online via the Bajaj Finserv App or website. Once the application is submitted, get your jewellery evaluated for purity and weight right in front of you. Based on the current gold price, the loan amount is offered immediately. Once you agree to the terms, the loan is approved, and the money is credited to your bank account within just one branch visit. It is a secure and quick way to get funds when you need them. 

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Disclaimer

Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.