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Does Gold Loan Affect CIBIL Score?

Does Gold Loan Affect CIBIL Score?

No, there is no need for CIBIL score for you to take a gold loan. Applying for a gold loan does not generate a hard enquiry, hence your credit score remains unchanged. Even a delay in repayment of the gold loan will not affect your credit score in any way. The documents required to apply for a gold loan are:

  • KYC documents: PAN Card, Driving License, Passport/ Voter’s ID Card/ Aadhar Card or valid ID proof
  • Address Proof: Electricity or water bills, Voter’s ID, Aadhar Card, Rent Agreement, Bank Statement
    Muthoot FinCorp does not have minimum income or credit score requirements to approve a gold loan. Hence, no credit or income proofs are required as an eligibility condition. Muthoot FinCorp’s gold loans are designed to serve every customer, even those who have poor credit scores. The credit score does not affect the loan amount or interest rate of the gold loan. On the other hand, delay in repayments or missing repayments do not affect the credit score in any way. To get a gold loan, apply for it by sending an enquiry through the available form on our website or call us at 1800 102 1616. Our representative will guide you through the eligibility and gold loan schemes in detail.
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