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Rupeek Gold Loan Details
Below are the key details of Rupeek Gold Loan:
| Age | Minimum 18 years |
| Loan Amount | Up to 75% of the gold value |
| Gold Loan Schemes | Loan against gold ornaments |
| Rupeek Gold Loan Interest Rate | 5.88% p.a. onwards |
| Loan Tenure | 4 - 9 months |
| Gold Items accepted | Gold jewellery items having a purity level of 18-karat or more |
Rupeek App
Rupeek gold loan app is the leading asset-backed digital lending fintech platform of India. Rupeek provides every Indian with equal access to credit. The app provides low interest gold loans online against ornaments of 18k or more at the convenience of the customer's home in 4 easy steps.
Rupeek Loan Interest Rates
Rupeek loan interest rate starts from 0.49% per month (5.88% p.a.) and can go up to 1.75% per month, making the gold loan an affordable credit option.
Benefits of Rupeek Gold Loan
- Doorstep service: Apply for a gold loan from the comfort of your home through Rupeek app and their authorised executives will visit you to complete the process.
- Instant disbursal: After completion of the KYC and gold valuation process, the approved amount of loan will be disbursed instantly into your bank account.
- Overdraft facility: Rupeek offers a gold loan overdraft facility as well that can be availed to fulfil any short-term financial requirement. You just have to pay interest on the amount utilised.
- Flexible repayment: You can repay the borrowed gold loan amount in instalments or repay the entire outstanding loan amount at the end of the 9 months’ tenure.
- Minimal documents: You just have to submit your KYC documents to get a gold loan from Rupeek.
- No restrictions on end-use: There are no spending restraints in relation to the loan amount availed from Rupeek. The amount can be used to fulfil various financial requirements except illegal activities.
- Lowest rate of interest: Rupeek offers low interest gold loans starting from 0.49% per month.
How to Apply for Rupeek Gold Loan?
- Visit the official website of Rupeek.
- Register yourself as a borrower to mortgage your gold ornaments.
- The lender will send a loan officer to your address within half an hour of getting your loan request.
- The loan officer will verify the gold and give a quote.
- On successful verification and approval, the lender will send the approved loan amount directly to your bank account.
- You can apply for a gold loan only with your Aadhaar Card.
- You can call at Rupeek customer care number to know more about the application process.
Rupeek Gold Loan EMI Calculator
Rupeek offers free-to-use online Gold Loan EMI Calculator to calculate your loan EMI. You just need to open the calculator on Rupeek’s website and choose the required loan amount, Rupeek gold loan rate of interest, and tenure to get the monthly interest amount calculation. Rupeek Gold Loan Calculator also displays the information about the gold loan required to be pledged and total interest amount to be paid by the borrower.
Eligibility Criteria for Rupeek Gold Loan
The personal loan eligibility criteria for Rupeek gold loan are mentioned below:
- The applicant shouldn’t be a minor.
- The applicant must be aged at least 18 years or above.
- The mortgaged ornaments should be of 18 karat or above.
- The pledged gold should be in the form of ornaments or jewelry only.
- The lender will multiply the quality, purity, and weight of the pledged gold to calculate the loan amount.
Document Required for Rupeek Gold Loan
The borrower has to submit minimal documentation for Rupeek gold loan as mentioned below:
- Identity proof (any one of below)
- Aadhar card
- Driving license
- PAN card
- Voter’s ID
- Passport
- Job card from NREGA
- Address proof (any one of below)
- Utility bills, such as phone bill, gas bill, or water bill
- Lease agreement of local address
- Aadhar card
- Driving license
- PAN card
- Voter’s ID
- Passport
- Job card from NREGA
Rupeek Customer Care
You can contact through any of the following ways to contact Rupeek Customer Care regarding any query, complaint or feedback for gold loan:
Call Rupeek gold loan customer care number at 1800 419 8000.
Send email to: care@rupeek.com
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Rupeek Gold Loans FAQs
How do I take a new gold loan from Rupeek?
You can take a new gold loan from Rupeek in just 30 minutes by entering your mobile number on the Rupeek website and clicking on the best deals. The application will be completed and the relationship manager of Rupeek will contact you shortly. You can call at Rupeek gold loan contact number to know more.
Can I transfer my loan from an existing vendor to Rupeek?
Yes. Like a home loan or personal loan, you can transfer your outstanding loan amount from an existing vendor to Rupeek easily and save more with a gold loan transfer.
What payment methods are available in Rupeek Gold Loan?
Besides traditional EMIs, you can choose any one of the following repayment options to repay your Rupeek Gold Loan.
- Interest Payment: In this option, you will have to service the interest portion of your dues every month. However, you can delay the principal repayment till the end of your gold loan tenure.
- Bullet Repayment: In this method, both the interest and principal amount repayment are shifted to the end of the tenure. Thus, if your gold loan tenure is 12 months, you don’t need to service your dues each month. Instead, you can repay a lump-sum amount on the 12th month or on tenure completion.
- Part Payment: In this option, you can service the loan through regular EMIs. However, if you choose to prepay an amount, it would be deducted from your outstanding principal amount. Reduction in the principal outstanding will also lead to lower interest payments.
How to repay Rupeek Gold Loan?
You can repay the Rupeek gold loan by following the steps mentioned below:
- Visit Rupeek’s website.
- Click on Repay Your Loan tab.
- Enter your mobile number to receive an OTP.
- Make payment through internet banking, UPI, RTGS, IMPS or debit card.
How safe is the customer’s gold with Rupeek?
With Rupeek gold loan company, your gold ornaments are completely protected with their free 100% insurance cover. Once your loan is approved, your gold assets will be picked up from your doorstep by a Rupeek executive, who will be then in-charge of its safe-keeping.
What is the Rupeek gold loan rate per gram for 22k?
The Rupeek gold loan per gram rate is not available on their website. If you want to know the Rupeek gold loan per gram rate today, you will have to use the Gold Loan Calculator available on Rupeek website. The current rate for 10 gram 22k gold can vary from 0.49% per month to 1.75% per month.
