Overview of Gold Loan in Pataudi, Haryana
Gold loans in Pataudi, Haryana, provide quick funds by pledging gold ornaments as collateral. In 2025, these loans offer amounts up to ₹20 lakh with interest rates starting at 8.0% p.a. Lenders like SBI, HDFC Bank, and Muthoot Finance provide tenures up to 3 years. Loanpao helps Pataudi residents compare gold loan offers, check eligibility, and apply online for same-day disbursal.
Eligibility Criteria for Gold Loan in Pataudi
| Criteria | Details |
|---|---|
| Age | 21–70 years |
| Gold Quality | 18–24 carat gold ornaments |
| Residence | Valid Pataudi address proof |
| Credit Score | Not mandatory; gold value determines loan amount |
| Income | No minimum income required |
Documents Required for Gold Loan in Pataudi
- Identity Proof: Aadhaar, PAN Card, or Voter ID.
- Address Proof: Utility bill, Aadhaar, or rental agreement (Pataudi address).
- Gold Ownership: Purchase receipt (if available).
- Photographs: 2 passport-sized photos.
Benefits of Gold Loan in Pataudi
- Loan amounts up to ₹20 lakh based on gold value.
- Low interest rates starting at 8.0% p.a. in 2025.
- Short tenures up to 3 years for quick repayment.
- Instant disbursal within hours in Pataudi.
- No credit score or income proof required.
Factors Affecting Gold Loan in Pataudi
Gold Purity
Higher carat (18–24) yields better loan amounts.
Gold Valuation
Current market price of gold determines loan value.
Loan-to-Value Ratio
Up to 75% of gold value as per RBI guidelines.
Lender Policies
NBFCs like Muthoot may offer higher amounts than banks.
How to Apply for a Gold Loan in Pataudi
Follow these steps to apply for a gold loan in Pataudi through Loanpao:
- Visit loanpao.in and select "Gold Loan in Pataudi, Haryana."
- Complete the online application with personal details.
- Upload documents (Aadhaar, address proof).
- Visit a Pataudi branch for gold valuation with lenders like SBI or Muthoot.
- Get funds disbursed within hours in Pataudi.
Loan Eligibility for Gold Loan in Pataudi
Check your eligibility for a gold loan in Pataudi with Loanpao’s tool:
- Confirm age (21–70 years).
- Verify gold purity (18–24 carat).
- Provide Pataudi address proof.
- Ensure gold ownership (no stolen or third-party gold).
Loanpao will assess your eligibility and suggest the best gold loan offers in Pataudi.
Check Eligibility NowTrack Your Gold Loan Application in Pataudi
Loanpao provides a seamless tracker for your gold loan application:
- Submit your application ID on the Loanpao Tracker page.
- Get real-time updates on status (e.g., under review, gold valuation, disbursed).
- Receive notifications for disbursal updates in Pataudi.
- Contact Loanpao support for assistance with delays in Pataudi.
Gold Loan Comparison in Pataudi
Compare gold loan offers from top lenders in Pataudi:
| Lender | Interest Rate | Loan Amount | Tenure | Processing Fee |
|---|---|---|---|---|
| SBI | 8.0% p.a. | Up to ₹20 lakh | Up to 3 years | 0.5% of loan amount |
| HDFC Bank | 8.25% p.a. | Up to ₹15 lakh | Up to 2 years | 0.75% of loan amount |
| Muthoot Finance | 8.5% p.a. | Up to ₹20 lakh | Up to 3 years | 0.25% of loan amount |
Frequently Asked Questions
A gold loan provides funds by pledging gold ornaments as collateral, with quick disbursal in Pataudi.
No, gold loans rely on the value of pledged gold, not credit scores.
Funds are disbursed within hours after gold valuation in Pataudi.
Up to ₹20 lakh, based on gold purity and market value.
Yes, prepayment is allowed with minimal or no charges, depending on the lender.