Will Gold Loan Affect Cibil Score

  • Gold Loan
  • 1 Years ago
  • Comments
Gold Loan with Low CIBIL Score

Gold loan assistance is offered by every bank, financial institution, including NBFCs, and FinTechs. Compared to other loans with some fixed terms or conditions for using that funds, gold loans offer more flexibility to the customer to use the funds any way they want, for example, weddings, education loans, or any unexpected medical emergencies.

There is no credit score requirement for the gold loan. The main criteria for getting a gold loan is your precious gold. Being a secured loan, your collateral security and its purity are more important in getting quick approval.

Benefits of applying for a gold loan:

  • Quick processing.
  • Minimal documentation required.
  • The rate of interest charged is less as compared to other types of loans.
  • Flexibility on end to the use of the funds.
  • No Processing fees.
  • There are nil foreclosure charges. One is allowed to close a loan at any point in time.
  • Easy repayment options without levying any additional interest charges.
  • The best part about the gold loan is that here the loan amount is estimated based on the current market price of the gold, irrespective of the price of the gold at which you made a purchase.
  • The financial institutions offer triple-layered security to the loan applicant’s gold loan ornaments that they kept as collateral. The banks or financial institutions have a separate vault to keep all the pledged gold jewellery of the applicants. 

Know about the Gold loan eligibility criteria:

  • Self-employed, salaried, businessman, professional, farmers, or traders can apply for a loan.
  • The minimum age to apply for a loan is 21 years, and the maximum age to apply for a gold loan is 60 years.
  • Should have a valid KYC document, like address proof and identity proof.
  • It is the best financing option for all those willing to apply for a gold loan for a low CIBIL score. 

Main factors that are important in getting a gold loan sanctioned:

  • The gross weight of gold ornaments is measured using a gold scale.
  • The net weight of the gold is calculated by reducing the stone available in gold.
  • Loan to value as per the current market price of the gold.
  • Gold loan purity. 

Main documents required to apply for a Gold Loan:

To apply for a Gold loan, the most important documents required are: 

Identity Proof

  • PAN Card
  • Aadhaar Card

Address Proof

  • PAN Card
  • Aadhaar Card
  • Landline bills/Water Bills/ Electricity bills
  • Latest Bank statements
  • Passport
  • Driving license
  • Latest Bank statement/Bank Passbook
  • Driving License
  • Voter ID
  • Passport
  • Rent agreement
  • Gas Bond Paper with the latest receipt
  • Latest Credit Card Statement 

Problem statement

Many individuals are dealing with the issue of a low CIBIL score, or no credit score. When these individuals apply for a loan, it becomes difficult for the lender to access such borrowers’ credit-worthiness. It is a situation akin to eggs and chicken. At that time, availing of a gold loan is the best way to kick-start with a good credit or repayment history. 

Role Credit score plays in Gold Loan

  • Loans and CIBIL scores are associated with each other. The credit score is considered an important factor by the lender to analyse the credit-worthiness of anyone willing to apply for a loan. But the case of gold loans is a bit different. Firstly, it falls into the category of secured loans; the borrower here is required to lend their gold ornaments to the banks or financial institution from where they are looking to apply for a loan.
  • CIBIL score can help you make big-ticket gold loans beyond the limit set by the banks or financial institutions. They are not the deciding factors in getting a gold loan approval, only a base for getting an extension of a huge credit facility. It is also known as a Gold loan for low CIBIL score.
  • In fact, with the help of a Gold loan, a borrower gets a chance of CIBIL repair. Gold loan proves to be a better financing option when one has immediate need of funds, that too at a low-interest with easy EMI options and fast disbursal. It is available with minimal documentation and by pledging the gold ornaments.
  • You can build good credit by paying all the EMIs and interest amounts duly and create a good repayment history. 

Solving the problem

How to improve CIBIL score

 A Credit score ranges between 300-900. Any score which is 700 or above is considered a good credit score. Your credit score helps the lender understand your repayment behaviour, past credit history, and how you are managing financial activities. If you make any kind of negligence in repaying the loan EMIs, it will affect your score.

If you want to build credit using a gold loan, it is necessary to know how you can build your score. When you take a loan against gold, all your EMI repayment data is submitted to the CIBIL at frequent intervals, so that they can update your credit score in your credit report.

Pay the EMIs regularly to repay the Gold Loan: Like any other form of a loan, the gold loan is also given at a set interest rate and tenure. If you want to build credit, it is a must to pay regular EMIs. All the payments made towards the gold loan are informed to credit bureaus by the lender. Regularly paying the EMIs is a kind of positive financial development in the life of a borrower.

Go with a disciplined approach: As a loan applicant, always apply for a gold loan with caution. They are undoubtedly the best way to boost a credit score with a low score or no score. But when you pledge your gold asset, you need to be sure that you are repaying all EMIs on time, as a gold loan is associated with a risk of losing your precious gold in case you fail to repay the loan in the stipulated period.

How are lenders estimating the gold loan amount eligibility?

The lenders always evaluate the gold loan purity, i.e., high carat gold and weight, before approving a loan application. It is the current market value of gold. Most of the lenders are offering up to 80% of the market value. It is also known as ‘ Loan to Value Ratio.

The Reserve bank of India has set the LTV up to 80% of the lender. For instance, if your gold loan value is INR 1 Lakh, the loan amount could sanction up to INR 80,000.

Bottom line

So, you can get a gold loan with low CIBIL score, and meet all the financial requirements with ease at the platform of ShriRam City Union Finance. All gold ornaments pledged should fall within the range of 18-22Carat gold. In case you are pledging 24-carat gold, only gold coins are accepted, that too issued by banks, and up to 50 grams only, per customer.

Making prompt payment of gold loan EMIs will show responsible behavioUr, and the same is reflected when the lenders access your credit report. By seeing your credit-worthiness, we, ShriRam City may also offer you relaxation on offering interest rates in case you applied for a gold loan top-up.

In a nutshell, gold loans are one of the fastest emerging trends for getting a quick financial fix at the time of any of the financial contingencies and doing a CIBIL repair. Click here to get the best gold loan offers.

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  • |
  • Fixed Deposit

Two-wheeler Loan Interest Rates and GST Charges

  • Apr 03 2021
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  • Two Wheeler Loans

How Does Business Loan Work

  • May 23 2022
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  • Loans

Important points to consider before taking a Two Wheeler Loan

  • Oct 27 2021
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  • Two Wheeler Loans

Choosing the right Two Wheeler Loan based on interest rate

  • Dec 09 2021
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  • Two Wheeler 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

Two Wheeler Loan: Complete Details on Eligibility Criteria

  • Feb 23 2021
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  • Two Wheeler Loans

Eligibility for Two Wheeler Loan

  • Sep 11 2020
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  • Two Wheeler Loans

Commercial Vehicle loan for Bikes

  • Jul 27 2021
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  • Two Wheeler Loans

Gold Loan Vs Credit Card

  • May 23 2022
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  • Gold Loan

Features and Benefits of Two Wheeler Loan

  • May 21 2021
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  • Two Wheeler Loans

Bonds vs Fixed Deposit

  • May 23 2022
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  • Fixed Deposit

Understanding Principal And Tenure Of An SME Loan

  • Oct 19 2021
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  • Business Loans

How To Allocate Funds Efficiently After Receiving an SME Loan?

  • Oct 20 2021
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  • Business Loans

Market Trends & Developments of Two Wheeler Loan Segment in India

  • Jul 24 2021
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  • Two Wheeler Loans

10 Things To Know About Two Wheeler Loans Post Pandemic

  • Jan 20 2022
  • |
  • Two Wheeler Loans

Two Wheeler Loan Processing Fees and Other Charges

  • Apr 08 2021
  • |
  • Two Wheeler Loans

Is a Two-Wheeler Loan Eligible for Tax Redemption?

  • Apr 21 2021
  • |
  • Two Wheeler Loans

NRI Loan: Apply for Two Wheeler Loan in India

  • May 21 2021
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  • Two Wheeler Loans

How to Apply for Two Wheeler Loan Online

  • Sep 11 2020
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  • Two Wheeler Loans

Two Wheeler Loan Repayment Tips

  • Jul 26 2021
  • |
  • Two Wheeler Loans

Comparing Other Investments methods to Fixed Deposits

  • Oct 22 2021
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  • Fixed Deposit

Comparing Two Wheeler Loan Rates : Key Points to Consider

  • Oct 27 2021
  • |
  • Two Wheeler Loans

Your two-wheeler loan options are endless with Shriram Finance

  • Feb 24 2021
  • |
  • Two Wheeler Loans

Benefits of Availing Two Wheeler loan with Shriramcity

  • Sep 08 2021
  • |
  • Two Wheeler Loans

Tax Indemnity for Two Wheeler Loans

  • Oct 19 2021
  • |
  • Two Wheeler Loans

Apply for Two wheeler Top Up Loan

  • Jul 26 2021
  • |
  • Two Wheeler Loans

Interest Rate Charged on a Two Wheeler Loan

  • Mar 29 2021
  • |
  • Two Wheeler Loans

Two Wheeler Loan: Know all about Two Wheeler Loan

  • Aug 24 2020
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  • Two Wheeler Loans

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

  • Feb 07 2022
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  • Two Wheeler Loans

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

  • Dec 01 2021
  • |
  • Two Wheeler Loans

How To Evaluate Interest Rates And EMIs For Two Wheeler Loans

  • Oct 26 2021
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  • Two Wheeler Loans

The Smoothest Way to Apply for Two-Wheeler Loans

  • Oct 27 2021
  • |
  • Two Wheeler Loans

Loan For Women Entrepreneurs

  • May 23 2022
  • |
  • Loans

Premature Withdrawal of Recurring Deposit

  • May 23 2022
  • |
  • Recurring Deposit

Is there any TDS on Recurring Deposits?

  • Jul 30 2021
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  • Recurring Deposit

Who Should Consider Investing in a Recurring Deposit?

  • Jul 20 2021
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  • Recurring Deposit

How flexi recurring deposit offers complete flexibility

  • Nov 30 2021
  • |
  • Recurring Deposit

Why You Should invest More Time on Recurring Deposit

  • Feb 05 2022
  • |
  • Recurring Deposit

Advantages and Disadvantages of Recurring Deposit Account

  • May 23 2022
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  • Recurring Deposit

Are recurring deposits covered by insurance?

  • Jul 15 2021
  • |
  • Recurring Deposit

What is the Recurring Deposit Scheme offered by Shriram City?

  • Jul 19 2021
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  • Recurring Deposit

What are the Various Installment Frequencies and Payment Methods available for Recurring deposits(RD)?

  • Jul 30 2021
  • |
  • Recurring Deposit

Is it possible to set up a recurring deposit online?

  • Jul 30 2021
  • |
  • Recurring Deposit

What are the most attractive features of the Shriram City Recurring Deposit?

  • Jul 16 2021
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  • Recurring Deposit

What makes a fixed deposit different from a recurring deposit

  • Jul 08 2021
  • |
  • Recurring Deposit

12 Things You Must Know About Senior Citizen Fixed Deposit Scheme in India

  • Jul 12 2020
  • |
  • Fixed Deposit

सीनियर सिटीजन के लिए फायदेमंद है एफडी, बिना जोखिम मिलता है हाई रिटर्न

  • Oct 21 2020
  • |
  • Fixed Deposit

What is the Difference Between Fixed Deposit and Recurring Deposit?

  • Dec 09 2021
  • |
  • Fixed Deposit

What is the minimum and maximum investment amount for Shriram City Recurring Deposit?

  • Jul 16 2021
  • |
  • Recurring Deposit

Why should I invest in Shriram City's recurring deposit?

  • Jul 19 2021
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  • Recurring Deposit

7 Up-and-Coming Trends About Recurring Deposit

  • Feb 04 2022
  • |
  • Recurring Deposit

What are the risks of putting money into a Recurring Deposit?

  • Jul 15 2021
  • |
  • Recurring Deposit

Tips for Students and Professionals on Recurring Deposits

  • Dec 10 2021
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  • Recurring Deposit

10 Things Your Kids Don't Know About Recurring Deposits

  • Jan 21 2022
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  • Recurring Deposit

Recurring Deposit : - Five problems, one solution

  • Feb 04 2022
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  • Recurring Deposit

Recurring Deposit : Expectations vs. Reality

  • Feb 05 2022
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  • Recurring Deposit

Get started with minimum investment on recurring deposit

  • Nov 29 2021
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  • Recurring Deposit

Why‌ ‌are Recurring‌ ‌Deposits‌ ‌helpful‌ ‌to‌ ‌small‌ ‌businesses?‌

  • Jan 24 2022
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  • Recurring Deposit

Loan against FD

  • May 23 2022
  • |
  • Fixed Deposit