Maximize Your Gold Value with Muthalagu Finance: 916 BIS Hallmark Advantage

What is 916 BIS Hallmark Gold?

The term "916" refers to gold with 91.6% purity, equivalent to 22 karats. The BIS (Bureau of Indian Standards) hallmark signifies adherence to national purity standards, ensuring authenticity and quality.

How Does 916 BIS Hallmark Gold Maximize Loan Value?

High Loan-to-Value (LTV) Ratio

• Lenders offer higher LTV ratios for hallmark gold due to its guaranteed purity.
• Muthalagu Finance: Get up to 75-80% of your gold's market value.

Accurate Valuation

• Hallmark certification streamlines the assessment process, ensuring maximum loan value.

Trusted Collateral

• Hallmarked gold boosts lender confidence, enabling better loan terms and interest rates.

Why Choose Muthalagu Finance for 916 BIS Hallmark Gold Loans?

• Best Loan Rates: Competitive interest rates to minimize financial stress.
• Transparent Evaluation: Accurate assessment of your gold's value ensures the highest possible loan amount.
• Secure Storage: Your gold is kept in high-security vaults with full insurance coverage.
• Instant Loan Approval: Streamlined processes for hallmark gold ensure quick disbursement.
• Flexible Repayment Options: Choose from EMIs, bullet payments, or other tailored plans.

Maximizing Your Gold Loan Value: The Muthalagu Advantage

Step 1: Bring Your Gold

Visit a Muthalagu Finance branch with your 916 BIS hallmark gold and basic documents like ID and address proof.

Step 2: Expert Evaluation

Our trained staff will assess your gold’s purity and weight using advanced tools, providing a detailed valuation report.

Step 3: Loan Approval and Disbursement

Loan approval takes minutes. Once verified, funds are credited immediately via cash, cheque, or transfer.

Step 4: Hassle-Free Repayment

Select a repayment plan tailored to your financial needs. Retrieve your gold in its original condition after full repayment.

Benefits of Hallmarked Gold Loans Over Non-Hallmarked Gold

Feature	Hallmarked Gold	Non-Hallmarked Gold
Loan Value	Higher	Lower
Purity Verification	Fast and Accurate	Requires Additional Testing
Trust Factor	High	Moderate
Approval Speed	Faster	Slower

916 BIS Hallmark vs Non-Hallmark: Why It Matters

• Guaranteed Purity: Hallmarked gold ensures no deductions due to impurities.
• No Hidden Charges: Certified purity simplifies and clarifies the valuation process.
• Better Loan Terms: Trusted collateral allows for lower interest rates and more favorable repayment options.

Frequently Asked Questions

1. What is the LTV for 916 BIS hallmark gold?

You can get up to 75-80% of your gold's market value.

2. Do I need to prove the hallmark certification?

The hallmark stamp on your gold is sufficient for assessment.

3. Can I pledge non-hallmarked gold at Muthalagu Finance?

Yes, but hallmark gold is evaluated faster and typically offers higher loan amounts.

4. Is there any special documentation required for hallmarked gold?

No additional documentation is needed. Basic ID and address proof suffice.

5. How is my gold stored during the loan period?

Your gold is stored securely in insured vaults until the loan is repaid.