Overview of Gold Loan in Dharuhera
Gold loans in Dharuhera, a growing industrial and residential hub in Haryana’s Rewari district, offer quick financing by pledging gold jewelry or ornaments. In 2025, these loans provide interest rates starting at 7.5% p.a., with loan amounts up to ₹1 crore, based on gold purity and market value. Lenders like Muthoot Finance, Manappuram Finance, and SBI offer tenures from 3 months to 3 years, with minimal documentation. Loanpao simplifies the process for Dharuhera residents with instant eligibility checks, lender comparisons, and online applications.
Eligibility Criteria for Gold Loan in Dharuhera
| Criteria | Details |
|---|---|
| Applicant Type | Individuals (salaried, self-employed, or non-employed) |
| Age | 21–70 years |
| Gold Ownership | Applicant must own gold jewelry or ornaments |
| Gold Purity | 18–24 carat gold |
| Credit Score | Not mandatory; minimal credit checks |
Documents Required for Gold Loan in Dharuhera
- Identity Proof: Aadhaar Card, PAN Card, or Voter ID.
- Address Proof: Utility bill, Aadhaar, or rental agreement (Dharuhera address).
- Photograph: Recent passport-sized photo of the applicant.
- Gold Ownership Proof: Purchase receipt (if available, not mandatory).
Benefits of Gold Loan in Dharuhera
- Loan amounts up to ₹1 crore based on gold value.
- Low interest rates starting at 7.5% p.a. in 2025.
- Flexible tenures from 3 months to 3 years.
- Minimal documentation and no credit score requirement.
- Fast disbursal within 1–2 hours in Dharuhera.
Factors Affecting Gold Loan in Dharuhera
Interest Rate
Rates range from 7.5% to 12% p.a., based on loan-to-value (LTV) ratio and lender policies.
Gold Purity
Higher purity (22–24 carat) results in higher loan amounts.
Market Value of Gold
Loan amount depends on current gold prices in Dharuhera.
Loan-to-Value Ratio
Up to 75% of gold’s value as per RBI guidelines.
How to Apply for a Gold Loan in Dharuhera
Follow these steps to apply for a gold loan in Dharuhera through Loanpao:
- Visit loanpao.in and select "Gold Loan in Dharuhera."
- Complete the online application form with applicant details (name, Dharuhera address).
- Upload required documents (identity proof, address proof).
- Visit a nearby lender branch in Dharuhera for gold valuation.
- Receive funds within 1–2 hours after approval.
Loan Eligibility for Gold Loan in Dharuhera
Check your eligibility for a gold loan in Dharuhera using Loanpao’s tool:
- Enter applicant details (age, Dharuhera address).
- Specify gold details (weight, purity).
- Submit identity and address proof.
Loanpao will evaluate your eligibility and recommend the best gold loan offers in Dharuhera.
Check Eligibility NowTrack Your Gold Loan Application in Dharuhera
Loanpao offers a user-friendly tracker for your gold loan application:
- Enter your application ID on the Loanpao Tracker page.
- View real-time updates on status (e.g., under review, gold valuation, disbursed).
- Receive notifications for disbursal updates in Dharuhera.
- Contact Loanpao support for assistance with delays in Dharuhera.
Gold Loan Comparison in Dharuhera
Compare gold loan offers from top lenders in Dharuhera for 2025:
| Lender | Interest Rate | Loan Amount | Tenure | Processing Fee |
|---|---|---|---|---|
| Muthoot Finance | 7.5% p.a. | Up to ₹1 crore | 3 months–3 years | 0.5%–1% of loan amount |
| Manappuram Finance | 8% p.a. | Up to ₹50 lakh | 3 months–2 years | 0.5%–1.5% of loan amount |
| SBI | 8.5% p.a. | Up to ₹75 lakh | 3 months–3 years | 0.5% of loan amount |
Frequently Asked Questions
A gold loan is a secured loan where you pledge gold jewelry or ornaments to obtain quick financing.
Loans are typically disbursed within 1–2 hours after gold valuation in Dharuhera.
Up to ₹1 crore, based on gold purity, weight, and market value.
No, gold loans typically do not require a credit score due to the secured nature of the loan.
The lender may auction the pledged gold to recover the loan amount after notifying the borrower.