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A Gold Loan is a secured loan where individuals pledge their gold ornaments or coins as collateral to borrow money from a bank or financial institution. The amount sanctioned is based on the market value of the gold. It is a quick and convenient way to meet short-term financial needs such as medical emergencies, education expenses, business requirements, or personal use.
Minimal documentation and fast approval, often disbursed within hours.
As it's a secured loan, interest rates are generally lower than unsecured personal loans.
Borrowers can choose from various repayment plans like EMIs, interest-only payments, or bullet repayment.
Borrowers can get up to 75% of the gold’s market value, as per RBI guidelines.
The primary objective of a gold loan is to provide instant financial support to individuals by leveraging their gold assets without selling them. It helps meet urgent funding needs, supports small business activities, and ensures liquidity during unforeseen situations, all while allowing the borrower to retain ownership of their valuable assets.
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