Nagarik Sahakari Bank Ltd., Bhiwandi offers *Gold Loan* facilities to meet the immediate financial needs of individuals in a safe, quick, and transparent manner. By pledging gold ornaments, customers can avail attractive loans with minimal documentation and flexible repayment options.
Features & Benefits
► Quick processing and fast disbursement
► Competitive rate of interest
► Loan against gold ornaments such as chains, bangles, rings, etc.
► Simple documentation and easy procedures
► Safe custody of pledged gold in secure vaults
► Flexible repayment options including interest-only payments
► No prepayment charges
Eligibility
► Individuals above 18 years of age
► Gold ornaments owned by the applicant
► Purity of gold as per bank norms
Loan Amount
► Loan amount based on the *weight and purity of gold* pledged
► Loan-to-Value (LTV) as per *RBI guidelines* and bank policy
Repayment Options
► Bullet repayment
► Monthly interest payment with principal at maturity
► Flexible tenure options as decided by the bank
Documents Required
► Identity Proof (Aadhaar Card / PAN Card / Voter ID)
► Address Proof
► Recent passport-size photographs
Purpose of Loan
► Personal needs
► Business requirements
► Medical emergencies
► Education expenses
► Agricultural or allied activities
Safety & Transparency
All pledged gold is stored under strict security measures and insured as per bank norms, ensuring complete peace of mind for customers.
For more details, please visit the nearest branch of *Nagarik Sahakari Bank Ltd., Bhiwandi* or contact our loan department.
