At, Ichibaan Finance Private Limited, we provide you gold loans for any requirements at attractive interest rates. You also enjoy a host of other benefits such as easy documentation, quick loan disbursal, long repayment tenure etc.
Why Choose Gold Loans
Easy and quick approval
Gold loans are typically secured loans, where gold jewelry or ornaments are used as collateral. Since we hold physical gold as security, the approval process is often faster and requires minimal documentation.
Lower credit requirements
Gold loans are secured by collateral, so we are more lenient regarding the borrower’s credit history which makes our gold loans accessible to individuals with lower credit scores or those who may have difficulty obtaining unsecured loans.
Competitive interest rates
Gold loans often have lower interest rates compared to unsecured loans like personal loans or credit cards.
Flexible repayment options
We offer flexible repayment options, for our Gold loan. The customer can pay even before their gold tenure and save upon unnecessary interest instalments.
No end-use restrictions
Unlike some other types of loans, gold loans usually do not have specific restrictions on how the borrowed funds can be used. Borrowers have the freedom to utilize the loan amount as per their requirements.
No income proof required
Since gold loans are secured by collateral, we do not require extensive income proof or employment verification. This makes it easier for individuals with irregular income or those who are self-employed to access funds.
Loan amount based on gold value
The loan amount the customer can get through a gold loan is typically determined by the value of the gold you pledge. This means that even if you have a low credit score or limited income, you can still secure a loan based on the appraised value of your gold.
Shorter loan tenure
Gold loans usually have shorter tenures compared to other loans. This can be beneficial for those who prefer to repay their debts quickly, avoiding a long-term financial commitment.
Preservation of emotional value
Gold jewelry often holds sentimental or emotional value for individuals. By opting for a gold loan instead of selling the jewelry, borrowers can retain ownership of their cherished possessions while still obtaining the required funds.
Minimal or no prepayment charges
In case you wish to repay the loan before the agreed tenure, gold loans generally have lower or no prepayment charges. This can help borrowers save on interest costs if they have the means to repay the loan earlier than expected.
Key Benefits and Features
We offer free insurance which provides protection against unexpected financial losses.
Lowest Interest Rate
Enjoy lower rates as compared to other gold loan companies.
We provide you instant gold loans where loan is approved in less than 5-10 minutes.
Get upto 75% of the gold articles pledged with us as the loan amount and take the financial leap.
Anyone can apply for a gold loan only with aadhar card and pan card.
No chance of missing out on interest installments. Stay updated with our reminders and enjoy the advantage of 3 days grace period.
For your comfort and convenience, we provide a loan amount for as low as 18000.
Avail loan in less than 30 minutes and move towards financial freedom.
Documents required to process your application:
PAN Card, Aadhar Card/ Driving License/ Passport/ Voter’s ID Card
Electricity Bill, Water Bills, Rent Agreement, Bank Statement, Educational Qualification
INTEREST RATE SLABS
3 DAYS GRACE PERIOD IN ALL OF THE ABOVE
WITH ONE DAY GRACE PERIOD
Gold Loan Calculator
Refer A Friend
If you are looking for the best possible way to raise financial support – Ichibaan Finance is here to cater to your needs in services. Also, we have refer a friend policy. We give 0.5% commission of the loan amount.