rupeval

Gold Loans: Radiate Your Financial Future

Strengthen your financial path with RupeVal's Gold

Loans – reliable, trustworthy, and secure.

Obtain up to ₹25 Lakhs quickly to meet your financial needs.

Benefit from competitive interest rates that suit your budget.

Adaptable repayment terms available from 6 months to 36 months.

Use funds for personal expenses, emergencies, or investments in growth

RupeVal’s Gold Loan

At Rupeval, we understand the value of your gold and offer you the best way to unlock its potential. Our gold loan services are designed to provide you with quick and hassle-free access to funds, whether you need money for personal needs, business expansion, or emergency situations.

key Feature of Gold loan

Quick Approval Get your loan approved in minutes with minimal documentation.

High Loan-to-Value Ratio Get the maximum value for your gold.

Competitive Interest Rates Benefit from low and attractive interest rates.

Flexible Repayment Options Choose from various repayment plans that suit your needs.

Quick and Easy Process Simplified procedures to ensure fast processing and disbursement.

Confidentiality All transactions are handled with the utmost confidentiality.

Customer Support Dedicated support team to assist you at every step.

Process to Apply for a Gold Loan

Check Eligibility

Indian citizen aged 18 years and above with gold ornaments or coins.

Apply Online or Visit Us

Fill out the online application form and schedule an appointment, or visit your nearest RupeVal branch with your gold and documents.

Gold Valuation

Our experts will assess the value of your gold in-branch or via optional home valuation for convenience.

Submit Required Documents

Provide proof of identity, residence, and gold ownership (if applicable).

Receive Loan Offer and Disbursement

Get an instant loan offer based on the valuation, and upon acceptance, receive funds immediately via your chosen method.

Eligibility Criteria for Gold Loan

Age Must be at least 18 years old.

Citizenship Must be an Indian citizen.

Gold Ownership Possess gold ornaments or coins.

Income Source Proof of income may be required to ensure repayment capability.

Term and Conditions

Eligibility Must meet the specified eligibility requirements.

Interest Rates Interest rates are subject to change based on market conditions and loan amount.

Repayment Schedule Monthly EMIs or bullet repayment options available.

Loan Renewal Option to renew the loan upon maturity.

Default Failure to repay the loan on time may lead to the sale of the gold collateral.

Frequently Asked Questions

How is the value of my gold determined?

The value of your gold is determined based on its purity and weight, following the current market rates.

What types of gold are accepted for a loan?

We accept gold ornaments and coins of 18 to 24 karat purity. Gold bars are not accepted.

Can I repay the loan before the tenure ends?

Yes, you can prepay the loan at any time without any prepayment penalties.

What happens if I default on the loan?

In case of default, we provide a grace period and multiple reminders. If the loan remains unpaid, the gold collateral may be sold to recover the dues.

Is my gold safe with Rupeval?

Yes, your gold is stored in high-security vaults and insured against theft and loss.

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T&C

Personal Loans

A personal loan is a credit facility that does not require collateral and is offered by banks and NBFCs to employed individuals.

Benefits

Rapid disbursal ensures timely access to funds.

Simplified application process with minimal documentation requirements.

Flexible use of funds tailored to your needs.

Access to substantial loan amounts, potentially exceeding Rs. 40 lakh based on lender approval.

Eligible borrowers may qualify for pre-approved loans with instant disbursal.

Choose from various repayment terms, with options extending up to 5 years or more.

Eligibility Requirements for Personal Loans

Age: Applicants should be between 18 and 60 years old.

Income: Salaried individuals must have a minimum monthly income of Rs 15,000.

Credit Score: A credit score of 750 or higher is preferred, as it improves the chances of loan approval and may qualify you for lower interest rates.

Employment: Only individuals whose salaries are credited to a bank account are eligible.

Employment Stability: Applicants should have at least one year of continuous employment, with at least six months in their current job.

Residency: Proof of stable residency, typically at the current address for at least one year.

Documentation: Required documents include identity proof, address proof, income proof, and bank statements.

Understanding the Annual Percentage Rate (APR) on Personal Loans

At RupeVal, we connect borrowers with a network of trusted lending partners, offering personal loans with APRs typically ranging from 11.29% to 35%. The actual rate depends on your financial situation and loan requirements, ensuring you get a personalized offer.

Key Features of RupeVal's Personal Loans

Flexible Loan Terms: Loan durations range from a few weeks to a maximum of 60 months (5 years), providing you with options that fit your financial planning.

Competitive APRs: With APRs starting at 11.29%, we strive to offer you the most favorable rates available through our partners.

Transparent Fees: All fees, including processing charges, are clearly outlined in the loan agreement to help you understand the total cost of your loan.

Example Loan Scenario

Loan Amount: ₹5,00,000

Annual Interest Rate: 11.50%

Repayment Tenure: 5 years

Processing Fee: 1.5% of the loan amount (₹7,500)

APR: 12.16%

EMI: ₹10,996 per month

Breakdown

Principal Amount: ₹5,00,000

Total Interest Charges (at 11.5%): ₹1,59,778

Loan Processing Fees (at 1.5%): ₹7,500

Total Amount Paid after 5 Years: ₹6,67,278

Note: Interest rates and processing fees may vary based on the lender's policies and the specific loan product you choose.

Why Choose RupeVal for Personal Loans?

Personalized Loan Offers: We match you with loan offers tailored to your financial profile and needs.

Fast Approval Process: Our streamlined application process ensures quick approval and disbursal.

Secure and Confidential: We prioritize your privacy and security, ensuring your personal information is protected.

How to Apply for a Personal Loan with RupeVal

Submit Your Application: Fill out our easy online application form with your basic details.

Get Matched: Receive loan offers from our lending partners.

Choose Your Offer: Select the loan offer that best suits your needs.

Receive Funds: Once approved, the funds are disbursed directly to your account.

Disclaimer: RupeVal functions as a loan aggregator and provides services on behalf of its partners, who are duly authorized for this purpose.

Office Address

AN 85 Shakuntala Nagar

Rajharsh Colony Kolar

Bhopal, Madhya Pradesh 462042