Gold Loan
Asha Purti Gold loans allow you to access funds in lieu of your gold jewelry, ornaments, etc. If you are unable to get credit from banking channels or are unable to get the exact amount you need, a gold loan is the easiest way to meet your financial needs. With attractive rates of interest and quick loan disbursals, Asha Purti ensures complete ease and total customer satisfaction when it comes to availing of a gold loan.
As part of our core business, we provide business loans secured by gold jewelry or gold loans. We primarily cater to individuals who possess gold jewelry but cannot access formal credit within a reasonable time, or for whom credit may not be available at all. We help our customers meet unanticipated or other short-term liquidity requirements.
Features & Benefits
KEY FEATURES
Loan Amount
₹1000/-
₹5,00,00,000/-
Loan Tenure
Till 48 Months
Interest Rates starting at
9.00% to
30.00%
VIEW FEES AND INTEREST RATES
Advantages of Asha Purti Gold Loan
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Fast Loan Disbursal (Disbursal in 60 minutes)
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A minimum amount of 1000 with no limit
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Pre and Part Payment Options
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Least Documents
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In House Gold Evaluation
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Repay your loan with ease with flexible loan repayment tenures ranging from 03 months to 48 months.
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Gold Security
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Overdraft Facility
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Zero charges on Part Pre-Payment
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Minimal documentation
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Flexible EMI plans and many repayment options
Why Gold Loan?
Well, primarily because it is easy to acquire. Such loans help you get financial aid in an instant without much trouble. This is also one of the reasons why the gold loan market has remained popular among the masses for many years now. A gold loan is a secured loan, which implies that it is protected by collateral (gold in this case). This collateral remains with the creditor or lender till the loan amount is completely paid off. In case a borrower defaults, the creditor uses the collateral to regain some or all amount originally owned by the borrower. Everyone wants to bag the best gold loan deal. There is no fixed formula to get one as it depends on the borrowers’ requirements. However, one can make sure that they compare all options before signing the dotted line.
Why Gold Loan with Asha Purti?
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Access gold loan from anywhere, anytime
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Free insurance cover for your gold
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Easy documentation, instant approval, convenient 24X7 online repayment
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Hassle-free, paperless transaction from your mobile device
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Free safe custody for your valuable gold
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No hidden charges, fully transparent
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Loans up to Rs.1.5 crore
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Pay interest only for the exact number of days
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100% safety and security for your gold jewelry
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Enjoy anytime liquidity
Our Offerings
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*Free insurance for all pledged gold ornaments
OVERVIEW |ELIGIBILITY & DOCUMENTATION |RATES & CHARGES |CALCULATORS |PAYMENTS| FAQ
DOCUMENTS FOR GOLD LOAN
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Minimum Documents are required for this loan.
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Aadhar card/Pan card / Driving License of the loanee will be needed for this loan.
HOW TO APPLY FOR A GOLD LOAN
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You can call on our toll-free no to have an in your house valuation or visit one of our branches to evaluate your articles and get your loan completed.
Regular EMIs: This is one of the most common and basic repayment structures.
Partial repayment: In this type of structure, the borrower can repay the interest and principal amount as per convenience. The borrower is not bound to follow any repayment schedule.
Only interest EMI: In this type of structure, the creditor asks the borrower to pay the interest part as EMI and principal amount in full on the set date of maturity.
Bullet repayment: according to this type of structure, a borrower has to repay the loan amount in full along with the interest at the end of the loan tenure. No amount is required to be paid during the loan tenure.
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Make your inquiry online or call us at Toll-Free 1800 XXX XXXX. Confirm with our representative.
How Does Gold Loan Online Work?
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Once your valuables are valued you can deposit them with the branch and get your money transferred to your account or take cash.*
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Register for an online Gold Loan and set a time for valuation at our nearest branch or with our official representative for in your house valuation.*
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What is a Personal Loan?A personal loan is an unsecured loan for up to 60 months. You do not need collateral to avail of funds. Salaried and self-employed individuals can apply for these loans online. You can utilize the funds for any monetary need.
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How to get an instant personal loan?Enter your mobile number correctly and then enter the OTP that is sent to your number on the online form. Provide us a few details as prompted in the loan application form. Upload the required documents such as income proof, PAN Card, etc. Click on “Submit”. You will be instantly informed whether or not you are eligible. Once your loan request is approved, your application will go through several other stages of checks. Our representative will get in touch with you through these stages in case any additional information is needed. Post loan approval, you can get the funds credited to your bank account within 30 minutes*
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How to get an instant personal loan?Enter your mobile number correctly and then enter the OTP that is sent to your number on the online form. Provide us a few details as prompted in the loan application form. Upload the required documents such as income proof, PAN Card, etc. Click on “Submit”. You will be instantly informed whether or not you are eligible. Once your loan request is approved, your application will go through several other stages of checks. Our representative will get in touch with you through these stages in case any additional information is needed. Post loan approval, you can get the funds credited to your bank account within 30 minutes*
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What is salaried personal loan?A salaried personal loan is a specially designed instant personal loan online which can be availed by salaried customers. Thus, if you are currently employed with a public or private organisation, and have a minimum salary of INR 20,000 (or INR 25,000 if you are from Delhi or Mumbai), and have worked for more than 1 year at your current organisation, you are eligible for a salaried personal loan. For more details, please visit our Personal Loan Eligibility page.
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What are the benefits of talking a Gold Loan from Asha Purti?• Customer oriented Services • Quick loan disbursal • Avail minimum loan amount of ₹1500 and no maximum limit • Pre-payment option-without any penalty • Minimal documentation • In-house gold evaluation • Prompt customer service within a shorter response time • Strong rooms for safe custody of gold ornaments
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How to get an instant personal loan?Enter your mobile number correctly and then enter the OTP that is sent to your number on the online form. Provide us a few details as prompted in the loan application form. Upload the required documents such as income proof, PAN Card, etc. Click on “Submit”. You will be instantly informed whether or not you are eligible. Once your loan request is approved, your application will go through several other stages of checks. Our representative will get in touch with you through these stages in case any additional information is needed. Post loan approval, you can get the funds credited to your bank account within 30 minutes*
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Will the documents be submitted online or offline?You can choose to submit the required documents online by uploading soft copies or walk into the branch and submit the hard copies. For customers of Asha Purti Loans who have applied for a personal loan online, you can now also send your documents via WhatsApp.
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How much personal loan can I borrow?How much you can borrow in the form of a personal loan is determined by various factors that include age, residence, ongoing loans etc. You use our free personal loan eligibility calculator to obtain an estimate of the loan amount you can borrow.
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How can I check the status of my Personal loan application?To check the status of your application, visit the official website of your loan provider, select the ‘Contact Us’ option on the homepage, select the option to track your loan application. This option will lead you to the page where you can check the status of your loan application. Enter the details asked for and obtain the required information.
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Can I foreclose or prepay my loan?Yes, you can repay your loan at any time during the loan tenure.
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How can I check the status of my Personal loan application?To check the status of your application, visit the official website of your loan provider, select the ‘Contact Us’ option on the homepage, select the option to track your loan application. This option will lead you to the page where you can check the status of your loan application. Enter the details asked for and obtain the required information.
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How much CIBIL score is required?A CIBIL score of 600 and above is considered to be healthy and can help in your loan being approved without hassle* *Conditions Apply
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How much would I need to repay each month?At the time of booking of your loan, the EMI (Equated Monthly Installments) will be calculated based on the loan amount sanctioned, interest rate and the tenure. To know more, access our free online personal loan EMI calculator today.
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What are the various charges that I can expect to pay when I borrow a personal loan?A personal loan will have the following charges associated: 1. Interest - this amount is the interest you will pay over and above the principal amount that you have borrowed 2. Processing fees 3. Insurance (in some cases only - please contact us today and speak with a customer service representative to know more) 4. Foreclosure charges (this will be applicable in case you choose to repay the loan amount before the loan tenure) 5. Late fees - this is applicable in case of any late / missed EMI payments. To know more, please visit our "Personal Loan Interest Rates" page and view the table "Fees and Charges".
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Why should you choose Asha Purti's?At Asha Purti', we value the dreams of each and every customer. We understand your needs, and strive towards providing you with the best possible solution that is tailored to your unique situation. Choose Asha Purti to get the following benefits: Instant online approval Competitive interest rates starting at 11.99%* Flexible repayment tenure between 12 - 60 months Hassle-free process Minimal documentation
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How do I Use Asha Purti's Personal Loan EMI Calculator?Asha Purti's personal loan calculator is an easy tool that can help you accurately calculate the EMI amount. Enter the loan amount that you wish to borrow Enter the interest rate between 11.99% – 36% Select repayment tenure. The instant result on the right side of the calculator will tell you the monthly EMI.
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How to calculate Personal Loan Eligibility?Below is the eligibility criteria You should be a residing citizen of India. You should be between 21 – 60 years of age You should have valid documentation as per stated requirements To know more, please see our detailed personal loan eligibility criteria. You can also use our free-of-cost eligibility calculator to know the loan amount you can borrow.
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How can I get a Personal Loan Approval?Personal Loan approval depends on how well you fit within certain pre-defined criteria. This includes details like a valid PAN card, CIBIL score, location, monthly income (for salaried customers) or yearly profit after tax (for self-employed customers) and existing monthly obligations (including existing credit card EMIs). For more details, please visit our eligibility page.
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How can I get a Personal Loan Approval?Personal Loan approval depends on how well you fit within certain pre-defined criteria. This includes details like a valid PAN card, CIBIL score, location, monthly income (for salaried customers) or yearly profit after tax (for self-employed customers) and existing monthly obligations (including existing credit card EMIs). For more details, please visit our eligibility page.
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How much Personal Loan can I get on my salary?Personal loan amount depends on many factors, such as your monthly income, your existing monthly obligations (including credit card debt), and the company's policy at the time of loan application. To know the personal loan amount you are eligible for, please feel free to use our personal loan eligibility calculator. It's free, and easy to use.
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Can I get a personal loan if I'm Self Employed?Asha Purti offers unsecured self employed personal loans up to INR 30 lakhs. However, the amount may vary depending on your individual profile and the company's policy at the time of loan application. To know more, apply now or contact us today
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How can I apply for a Personal Loan Online?You can apply for loan online with Asha Purti by clicking the "Apply Now" button on the top right corner.
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Can I get a personal loan without proof of income?To get a personal loan, proof of income documents such as audited financial statements, income tax returns, form 16, etc are necessary, as well as your bank statements. However, to get a personal loan without proof of income, you can choose to apply with a family member who has income proof. However, please note that in such cases, the loan will be in the name of the person who has income proofs, and the same person will be help responsible for making the repayment.
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How is personal loan eligibility calculated based on salary?Personal loan eligibility is calculated basically to estimate whether or not you will be able to repay the loan's EMIs. For this purpose, your monthly income (after deduction of all taxes) is considered, along with your existing monthly obligations (including credit card debt). The calculation also takes into account the personal loan rate of interest applicable to you, as well as the loan tenure. Click here to try the free online Asha Purti's personal loan eligibility calculator now!
