Gold Loan

GOLD LOAN

Bongiyo Dhansanchoy Nidhi Gold Loan is the ultimate solution for all your financial needs. Gold loans are the quickest way to raise funds during any financial emergencies. You gold will stay safe in our hands and you can go ahead and take advantage of every opportunity. Bongiyo Dhansanchoy Nidhi Gold Loan comes with minimal documentation and secure storage, a simple funding option to meet your needs. Fund your requirements when you need it. Your perfect financial partner offering you instant cash against gold at low interest rates.

We know that these gold ornaments are very precious and favorite to you. So we guarantee you that it will be in Our Safe Hands in strong lockers inside a strong room built as per standards and specifications applicable to commercial banks. The pledged gold ornaments are also insured for full value. Moreover, Security Personnel and modern electronic surveillance technology are deployed to protect your beloved gold ornaments.

Our Specialty Of Gold Loan

  • We provide maximum amount of loan/gram in the industry. Currently loan to value (LTV) is up to 70%.
  • Charging interest only for loan availed days.
  • If you wish to avail a loan for one day, we will charge interest only for one day.
  • Interest Rebate: You are eligible for interest rebate when you make interest payment/renewal of the loan on time and as specified by the company.
  • Online Repayment facility is available.
  • You may avail maximum amount/gram in lower interest rate which is the best in the industry.
  • Personalized service to all the members.

  • Terms and Conditions

    • The rate of interest will be @ 1.5% to 2% per month.
    • Avail loan amount ranging from Rs. 1000 to Rs. 2,00,000.
    • The valuation of the gold ornaments will be done by BONGIYO DHANSANCHOY NIDHI LIMITED through authorized value, and the cost of valuation will be borne by borrower.
    • The loan interest will be paid on monthly basis.
    • In case of nonpayment of interest for 3 months, the Gold ornaments will be sold by ASPIRE NIDHI LIMITED.
    • The expenditure on sale of Gold ornaments plus due loan amount and 5% penalty rest on due amount interest will be deducted and balance amount will be deposited in to loan account.
    • The borrower has to provide an affidavit declaring the ownership of the ornaments.
    • In case the borrower does not pay the interest a penalty of 5% has to be paid along with next interest installment.