Gold Loan Eligibility for NRI

  • Gold Loan
  • 1 Years ago
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Gold loan for NRI

Despite popular stereotypes, non-resident Indians (NRIs) can find themselves in need of credit due to unforeseen financial emergencies. NRIs can borrow personal credits and even home loans, but can NRIs apply for gold loans in India? In brief, the answer is yes, and this article outlines the essential details of gold loans for non-resident Indians.

Importance of Gold in India

Indians are among the world's largest gold consumers. The yellow metal is the most popular investment avenue for Indians and an integral part of Indian culture. Indians buy it for decoration, religious worship, showing status and also swear by its medicinal benefits. Experts estimate that Indian households hoard an estimated 25,000 tons of gold in private stock that can serve as ready collateral when a finance is needed. 

NRI families may also own as much gold as their resident counterparts. Indians tend to have a deep loathing for pledging their gold assets for credit, and hence it remains an underutilized asset class. However, pledging jewelry is the quickest way to get your emergency needs financed.

And yet, non-resident Indians may have a hard time getting credit access as they often do not have permanent residence either in India or their country of work. Most credit applications need NRIs to produce co-applicants. Gold loan eligibility is comparatively hassle-free.

What is an NRI?

Understanding the legal framework of the non-resident Indian status is vital to know about NRI gold loan eligibility. As per Indian laws, a resident is an Indian who stays in India for only 182 days in one financial year or 365 days over 4 consecutive years plus 60 days in the year under consideration. Everyone else is an NRI. Non-residents may own property in India, and their income accrued in India is taxable.

How Do Gold Loans Work?

Jewellery credits are secured finances, i.e., mortgages given against collateral, which is self-explanatory. Gold jewelry, bars, coins etc., can be pledged for the appropriate credit amount. The mortgage amount is sanctioned based on the yellow metal's value as collateral and usually a percentage. Shriram City Union Finance offers up to 75% of the gold value as jewellery loan for NRIs

The purity of the gold is key, with only 18-24k accepted as collateral. The lenders examine the documents submitted and the jewelry or bars and prepare a credit agreement with details of repayment and collateral repossession. They decide an interest rate and tenure to repay the finance and disburse the jewellery loan for NRI account almost instantly. 

When you have repaid the finance in full with all the charges, the gold items are returned to you. Financial institutions provide a pawn receipt when they take the yellow metal when approving a jewellery loan for NRI. It contains all the details of the jewelry, such as weight, karatage etc. The lenders ensure secure storage of your ornaments and return them upon production of receipt when the mortgage closes.

If the borrower fails to repay the lent money, the lender keeps the possession and may auction them to raise funds. That is why credit discipline is of utmost importance. The yellow metal often holds sentimental value, and no one wants to lose their dearly adored heirlooms while getting a jewellery loan for non-resident Indians.

Gold Loan Eligibility for NRIs

Gold loan eligibility criteria for resident and non-resident Indians are quite similar in many respects, but one key difference is that NRIs usually need a co-applicant. 

Financing against jewelry is a good option since the documentation is minimal and fuss-free. The gold loan eligibility criteria are as follows:

  1. The minimum applicant age is 18, and the maximum age limit is 60.
  2. The applicant can be salaried, self-employed, business owners, etc. 

The documents to be submitted are as follows:

  • Proof of Identity: PAN card, Aadhar card, passport, voter ID card, driving license
  • Proof of Address: passport, driving license, utility bills like gas bill, electricity bills etc.
  • Passport size photographs 

Gold loans for NRIs don't require income proofs since the credit value is so closely linked to the security. 

As NRIs typically cannot show current address proof, most lenders ask them to apply for credits with a co-applicant. However, if the passport and PAN card or rental agreement can be shown, you can meet the address proof requirement for jewellery credit eligibility.

Other Loans vs Gold Loan for NRI

There are many reasons why the choice of jewellery loan for NRIs makes sense.

  1. Preferable to Personal Loans 

Personal finances for NRIs generally come at a higher interest rate due to the credit unsecured nature. Lenders may also compel applicants to bring a co-applicant who resides in India as well as a guarantor. But when taking financing against the noble yellow metal, you don't have to meet such requirements, and Shriram's interest rate of jewellery loan for NRI begins at 11.5%. 

A loan against high carat gold can easily be foreclosed at any point in time after credit disbursal by repaying the outstanding amount as a lump sum payment. Non-resident Indians may be able to make bulk payments later when the income stream improves. Many personal mortgages, in contrast, have a lock-in time when they cannot be foreclosed. The penalties are low, as are the various charges. 

  1. No Hassle with Credit Score 

Another advantage is that the credit score does not matter since the loan-to-value ratio is 75%, and the gold will be pledged for the funds. It can be difficult to increase credit score when the income is low or enough history has not been built through credit card repayments and other methods. 

  1. Common Myths and Fears 

Many NRIs and people of Indian descent share the same sentiment towards gold and hesitate to pledge their jewelry even when there is a dire need for money lending. Often, people may have struggled for years to gather the ornaments and bars or inherit them from beloved relatives. There is also a fear that the financial institution would not return the gold or give back a fake of low value. However, these are myths and completely untrue.

  1. Popularity Trends in Gold Loans 

Informal loans against pledged jewelry have always existed, with people giving their ornaments to pawnbrokers or moneylenders for money. It's a very risky route as there is no insurance and system to ensure safe return upon repayment. Banks and NBFCs have been mainstreaming the product. Now, more people are approaching institutional lenders as the interest rates are far lower. Many in need of long-term funds are also turning to the noble metal. 

People show higher demand for gold-based financing in crises, both personal and global, such as the COVID pandemic. It is because gold prices tend to skyrocket as it is seen as a stable asset. Hence, NRI financing applications and deposits grew in 2020-21. Institutions also reported that people opted for higher tenures at this time. 

Conclusion 

If you are a non-resident Indian in need of quick credit of Rs 10000 to Rs 20 L, Shriram City Union Finance can offer you a loan against gold jewelry at a simple rate of interest. If you already have other credits and are worried about your credit score, this is the right option. 

NBFCs like Shriram City provide a higher loan-to-value ratio for finances. You can also rest assured about your property's security during the repayment period as Shriram City also provides insurance coverage. 

With the advent of digital banking, you can easily avail gold loan for NRIs by applying online. Shriram City has invested in offering high-quality digital services and is ready to assist you with all your credit-related needs.

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  • Feb 07 2022
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Two Wheeler Loan: Know all about Two Wheeler Loan

  • Aug 24 2020
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Two Wheeler Loan Repayment Plans and Options

  • Feb 26 2021
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Bike Buying Guide: Factors to Consider While Buying Bike

  • Feb 27 2021
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Loans and Disbursement Charges: The Complete Guide

  • Apr 26 2021
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Repayment of Gold Loan

  • May 10 2021
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Safe Investments With High Returns In India

  • May 03 2021
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Invest in Fixed Deposits: Safest and Secure way to get higher returns

  • May 04 2021
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Is a PAN card mandatory for a gold loan

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The Gold Loan Disbursal Process Explained

  • May 05 2021
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Easy ways to repay the Loan against Jewellery

  • May 12 2021
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How You Can Pick The Best Business Loan

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Why Fixed Deposits - An ideal Investment Option for Beginners

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Benefits of Taking Loan for Two Wheeler

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How to Frequently Monitor and Evaluate Your Investments

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How to refinance your loan and get better rates for your gold loan

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The Benefits of a Business Loan and How It Will Help You to Grow Your Business

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  • Business Loans

The 5 Biggest Mistakes to Avoid When Getting a Business Loan

  • Jun 17 2021
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What kind of businesses are eligible for a Shriram City business loan?

  • Jun 24 2021
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  • Business Loans

Fixed Deposit VS Unit Linked Insurance Plans (ULIP) Where to Invest?

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  • Fixed Deposit

Are the Interest Rates the Same Whether You Choose the Cumulative or Non-Cumulative Option?

  • Jul 08 2021
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  • Fixed Deposit

Is It Possible For a Single Customer in Shriram City to Invest in Both FDs and RDs From the Same Account?

  • Jul 21 2021
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  • Recurring Deposit

Why Is a Good CIBIL Score Vital For Achieving Business Goals?

  • Aug 02 2021
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  • Business Loans

What are the differences between two wheeler loan vs personal loan?

  • Jul 27 2021
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  • Two Wheeler Loans

Reasons and Benefits of Owning a Two Wheeler in City

  • Jul 28 2021
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  • Two Wheeler Loans

What are the Opportunities for AI in the Financial Sector?

  • Aug 17 2021
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  • Loans

AI Resolution In Lending: Hype Or Reality?

  • Aug 17 2021
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  • Two Wheeler Loans

How is new technology helping NBFCs evolve?

  • Aug 18 2021
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  • Loans

What is your money worth: A blog about understanding FDs and how you can make the most of them

  • Sep 03 2021
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  • Fixed Deposit

How to keep your FD money safe through the best investment ideas

  • Sep 07 2021
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  • Fixed Deposit

How to Plan and Save for a Baby: A blog on how to save for a baby's future

  • Sep 07 2021
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  • Fixed Deposit

Benefits of Availing Two Wheeler loan with Shriramcity

  • Sep 08 2021
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  • Two Wheeler Loans

Choosing the Right NBFC for Your FD: A blog discussing how to choose the best NBFC's for FD

  • Sep 08 2021
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  • Fixed Deposit

Financial Tips for New Drivers: A Blog About the Financial Tips You Should Consider Because You are a New Driver

  • Sep 09 2021
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  • Fixed Deposit

How to Save Money on your Budget | How to Build Financial Capital in a Small Town

  • Sep 09 2021
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  • Fixed Deposit

How can Investments in Fixed Deposits Help for Retirement?

  • Oct 21 2021
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  • Fixed Deposit

Current Fixed Deposit Interest Rates - 2021

  • Oct 25 2021
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  • Fixed Deposit

Extensive Guide for Choosing a Fixed Deposit with the Best Interest Rates

  • Nov 27 2021
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How Do Fixed Deposits Promote Senior Citizen Welfare

  • Nov 27 2021
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How flexi recurring deposit offers complete flexibility

  • Nov 30 2021
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  • Recurring Deposit

How can Students Apply for Two-Wheeler Loans in India?

  • Dec 01 2021
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How are Fixed Deposits beneficial for Trust and Foundations

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How to Optimise Your Investments in Fixed Deposits

  • Dec 02 2021
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Simple Bike Financing with Zero Down Payment

  • Dec 03 2021
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The Only Guide You Need To Getting A Loan Against Gold Jewellery

  • Dec 04 2021
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How to choose your business loan online based on interest rates

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  • Business Loans

Important Criteria to be Aware of Before Applying for a Business Loan

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  • Business Loans

Why are SME Loans Crucial for Your Company's Growth?

  • Jan 20 2022
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  • Business Loans

10 Things To Know About Two Wheeler Loans Post Pandemic

  • Jan 20 2022
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  • Two Wheeler Loans

How to Buy Gold Loans on a Low Budget

  • Jan 21 2022
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  • Gold Loan

10 Things Your Kids Don't Know About Recurring Deposits

  • Jan 21 2022
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  • Recurring Deposit

How To Get More Results out of Your SME Loan?

  • Jan 24 2022
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  • Business Loans

11 Ways to Completely maximise your business with the help of Shriram city business Loan

  • Feb 02 2022
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  • Business Loans

7 Up-and-Coming Trends About Recurring Deposit

  • Feb 04 2022
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  • Recurring Deposit

Recurring Deposit : Expectations vs. Reality

  • Feb 05 2022
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  • Recurring Deposit

10 Reasons As To Why You Should Take A Two Wheeler Loan

  • Feb 07 2022
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  • Two Wheeler Loans

Gold Loan: Expectations Vs. Reality

  • Feb 08 2022
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  • Gold Loan

Why It's Easier to Succeed With business Loan Than You Might Think?

  • Feb 09 2022
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  • Business Loans

Business loans: Expectation vs Reality

  • Feb 09 2022
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  • Business Loans