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Get Loan Against Gold in Surat

Gold Loan in Surat

Termed as the ‘Diamond City of India,’ Surat is a major textile and diamond polishing hub of Gujarat. The city contributes significantly to the employment of this country and attracts a workforce from various states.

The resulting rise in population and living costs often leads to a need for access to quick cash, which gold loans in Surat can easily provide.

Apply online now or visit our lone branch in Surat.

Features of Gold Loan in Surat

  • High loan quantum

    Meet any personal and professional expenses with a sizeable loan amount of Rs. 1 crore depending on the purity of gold. Enjoy no end-usage restrictions on funds availed.

  • Tenor

    Safe gold evaluation

    Get a loan against gold with an at-home appraisal process. Our loan managers will visit your house with industry-grade carat meters for this purpose. Thus, credibility and accuracy are guaranteed.

  • Guaranteed gold security

    We store pledged gold articles in vaults within rooms equipped with industry-leading motion detectors and 24x7 surveillance. Hence, your gold is secured with us.

  • mortgage loan

    Suitable repayment options

    Now repay your instant gold loan in Surat with a payment option convenient to you. Choose regular EMI payments or pay interest upfront and principal later. You can also pay periodic interest and principal at the end of the loan tenor.

  • Foreclosure and part-prepayment facilities

    Make your gold loan repayment even more convenient with a foreclosure and part-payment facility, that too, without paying anything extra. Builders and traders can get a loan against gold top-up without any additional charges.

  • Part-release option

    Take advantage of our part-release facility to partially release gold items by paying an equivalent loan amount.

  • Mandatory gold insurance

    Get a gold loan in Surat from Bajaj Finserv with complementary insurance coverage throughout the tenor.

  • Previously Surat was hailed as a famous seaport, but it has now moved on to be a smart city with high industrial prowess. Modern Surat has three major industries as the pillar of its economy - diamond polishing, textile, and IT. The diamond processing industry of this city, especially, goes a long way back and holds worldwide prominence. The textile industry of Surat is famous for its ‘zari craft.’ Surat also has a budding IT industry, with giants like IBM, HCL having campuses here.

    Get a gold loan in Surat from Bajaj Finserv and manage various financial requirements without any restrictions. Get a high per gram value at a competitive interest rate.

    Apply now online for instant loan approval.

Eligibility Criteria for Gold Loan in Surat

Meet the lenient gold loan eligibility and secure a high loan amount at an affordable rate. For this, satisfy the following parameters:

  • Age: 21 to 70 years
  • Employment type: Self-employed, salaried, businessman, traders, and farmers
  • Citizenship: Indian resident

The Reserve Bank of India has recently updated the gold loan LTV threshold to 90%. So, get a higher loan amount by meeting the eligibility criteria. Also, submit the necessary documents such as KYC details, and address proof to complete the process.

Gold Loan in Surat: Interest Rates and Charges

Secure funds against a competitive gold loan interest rate from Bajaj Finserv. Repay the credits in affordable EMIs, and make lump-sum payments without any extra charges. To know more about interest rates and charges, click here.

Frequently Asked Questions

1. How to apply for a gold loan in Surat?

You can easily apply for a gold loan online or by visiting our nearest branch. Following your successful application, our representatives will contact you for further processing.

2. Can I get a gold loan without a credit score?

Yes, you can avail of a gold loan without a credit score.

3. What is an LTV ratio?

LTV or Loan-to-Value ratio represents the percentage of the loan amount you can avail against your pledged gold articles. This ratio is subject to change and depends on the gold’s purity as well.

4. Can I get a gold loan without income proof?

Yes, you can get a loan against gold without income proof, but you must submit KYC details to complete this process.

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