Answered: Your most burning questions about instant gold loans

The gold loan market is expected to grow[1]  at a healthy CAGR of more than 13%. By 2022, the gold loan market should be worth more than Rs 4500 billion. These numbers make it evident that gold loans are highly favoured by Indians. However, one might still have several questions about gold loans. In this article, we have answered some of the most pressing questions which borrowers would have.



Q1) What is a gold loan?


A gold loan is a form of secured loan. It involves the lender keeping a borrower’s gold as collateral and lending funds, whose value is proportional to the value of gold. As compared to other loans, it is processed quickly. A borrower’s credit score is not required since the gold pledged by the borrower is treated as collateral. Usually, 75[2] % of gold’s value is disbursed as loan. The highlight of a gold loan is that it can be used for any purpose.



Q2) How do the lenders assign a value to my jewellery?


As a very famous saying goes, beauty lies in the eye of the beholder. While you might assign a very high value to a piece of jewellery, it being an heirloom or having exclusive craftsmanship, lenders are only interested in the volume of gold that the piece possesses.

Only the gold from your jewellery will be considered while assigning a loan. No other precious metals or gems.


Q3)What am I supposed to use as collateral for a gold loan?


Anything, be it an ornament or jewellery, with a certain threshold of purity of gold depending from Institution to Institution. This threshold is mostly anything above 18 carats.


Q4)How much money can I avail from a gold loan?


The maximum amount of money one can avail from a gold loan varies across lenders. But, most lenders earmark 75% value of the innate gold in the ornament or jewellery. This means if the value of gold in your pledged ornament is worth Rs 50,000 you would receive a gold loan of Rs 37,500. Keep in mind that the overall value of your ornament might be much more than Rs 50,000 but as mentioned earlier, only the value of gold in your ornament is considered.


Q5)What documents will I require for a gold loan?


You will mostly just require 2 documents one being your identity proof and address proof such as

  •       Aadhar card
  •       Valid driver’s license
  •       Pan card
  •       Voter ID card
  •       Voter password


Q6) Is there a processing fee with the gold loan?


While there absolutely is a processing fee with a gold loan, the fees are of a smaller amount as compared to other loans.



Q7)What guarantee of safety do I get for my ornaments or jewellery when I pledge them as collateral for a gold loan?


The lenders are equally concerned about your gold as you are. Thus, your gold is stored in safe their vaults, so the possibility of anything going wrong is incredibly low. Most credible lenders have up to date security systems and personnel guarding their vaults. Plus, the lender has your valuables insured, thus while pledging the gold, you have absolutely nothing to worry about.



Q8)What if I’m not able to pay back the amount I got for my instant gold loan?


Sometimes, the borrower might be unable to pay back the amount owed to the lender. In unfortunate cases like this, the lender will repeatedly give the loan bearer notices. Depending on the lender, the borrower’s relationship with the lender and the instances of delay, the lender would wait for the borrower to respond. If there is repeated reluctance in repaying the loan, the lender would be forced to possess the gold and claim ownership over it. The lender would then auction off the gold to the highest bidder.



Q9) How do I apply for a gold loan?


To apply for a gold loan, a borrower can visit the closest branch of a preferred lender. Over there, the borrower can conduct enquiries and discover the various gold loans on offer. The borrower can also get an estimate of the value of the gold in her possession.


A gold loan is one of the most instantaneous methods of acquiring money fast. By going through the above-mentioned questions, we hope that most of your doubts related to acquiring a gold loan were resolved. Do keep in mind that the most important aspect of applying for a gold loan is the credibility of the lender. Speak with people in your network who would have applied for gold loans earlier and rely on their experience.

Business Cards: Should You Use Them in Contemporary Age?

There is no doubt that business cards have been around incessantly, but these are still some of the most powerful marketing weapons available to the tiny to medium business owner. Even in the digital era, the charm of business card adapts and makes new innovations to business networking on its own.

The point is this is something that is constantly improving and getting better. You can speak with professional printing companies such as Printo in Indiranagar and they can promise you the premium business cards that are effective, apt and advanced.  You can get right from simple die-cut designs to any of those idiosyncratic gimmicks, the business card has proved to be an essential business tool.  Following are a couple of things that would convince you about the power of business cards.

An inexpensive yet powerful tool

For a tiny or medium sized business, the budget is always a pain. However, business cards are perhaps the most cost-effective option available. With a few of pennies respectively, and even cheaper in case you buy in bulk, you would get a marketing instrument that promises you more bang for your pennies.  But yes, you need to look for the right commercial printer to tackle with your business card printing. You should never print your own cards with your own printer. It is a thing that would not generate the type of quality that you receive from a trustworthy commercial printer. Plus, with an experienced and professional printing service provider, you get more printing options that could improve your foremost impression.

Multipurpose personality

Despite the tiny size of business cards, they can encompass a huge deal of information. You easily can place more than just your contact information on a business card. You easily put some advertising material, or even make a mention of a deal or coupon. Be careful not to include too much information on your cards, though. You don’t really wish to overwhelm the recipients. Once you have the apt business cards in the right printed material and dynamic look; it might do wonders for your business.

A suitable choice

You know with business cards, you relish a control over how it appears and where it goes. You even have will over the content of your card, and your strategy on how to make use of them. Plus, business cards are small enough for the recipient to keep in a purse or even that of wallet. A lot of people even have special containers or binders wherein they place business cards for later reference. So, you can easily experience their handiness and convenience.

You know with business cards, you relish a power over how it shows up and where it goes. You even have will over the substance of your card, and your system on the most proficient method to utilize them. Also, business cards are little enough for the beneficiary to keep in a handbag or even that of wallet. Many individuals even have extraordinary compartments or fasteners wherein they place business cards for later reference. In this way, you can without much of a stretch encounter their handiness and accommodation.

Work for you always

Contrary to television ad that just lasts for nearly thirty seconds or an online banner ad that stays even shorter, a business card will stay with the customer. Every time that customer looks at your business card, they get recalled of your company that enhances the chances of that customer making use of your services.


So, speak with printo Indiranagar and get yourself the best and perfect business cards to boost your business and expand your reach!

Top ten small business ideas for 2020

The advantage of these Top ten small business ideas for 2020 is that you can choose the ones that best fit you from among the huge amount, in addition to that, with little investment, you can test the waters before launching.

So, if things are going well, you can reinvest profits and grow them until they are your only activity, or you can leave them as an additional monthly contribution, in which you spend part of your free time.



If we have a piece of knowledge about something, we can make it profitable, without having to cost us a fortune, teaching others something we can do.

The key? We can do it in person or online, with the tools that are available today, such as Udemy or Coursera.

Ideally, do it on some of the most demanded topics in 2020, these are:

  • Health and sex
  • Social relationships.
  • Gastronomy

We want fashion issues because I insist, the market comes first when starting a business and profiting quickly.

Within this teaching in general, several more concrete initiatives that are excellent business ideas in 2020 should highlight.



One of the most valuable knowledge and, above all, that gives us more flexibility when undertaking.

Instead of investing in infrastructure, we can organize chat activities in places like bars.

Knock on the door of one of the many academies and offer our services to several at once. Starting from a microenterprise, this is a business idea for 2020 that we can grow almost without limit.



Ideal for free time too, another one of the classics that never stops demanding is a review for children who don’t do too well in school.

If you have a hand with them, and you can deal with the enormous distractions that mobile phones entail (and that surely do not lack business in this activity), it is an activity to consider.

The advantage?

You don’t need trained or advanced knowledge. The different touch should be the ability to manage children and get them to learn.



Within that teaching to children, there is a variant that can be an excellent business idea for 2020: new technologies.

Programming, robotics or drones are already being highly demanded disciplines. And that will only grow even more.

So it will be much easier to convince parents that their children will have a secured future if they know these fields.

If you can make classes fun, entertaining and interactive, you know.



If we want to make our knowledge of a topic profitable, but we don’t want to spend too much time a day, we can write a book about it.

Thanks to the possibility of self-publishing on platforms such as Amazon, we can have that book in digital format and even on paper, without the need to invest in printing, printing or distribution.

The key, again, is the same as always when undertaking: being able to provide the expert knowledge that others are ignoring, and doing so entertainingly and differently.



What can we say? It’s the coach’s years. There are all kinds of them, and it is one of the most direct ways to monetize an area of ​​experience.

Thanks to new technologies, the possibilities of coaching have gone beyond doing it in person. It is a business idea that will continue to rise in 2020, as long as we give a highly demanded topic.

Mixing online courses, book and classroom activity will build our coaching brand and demonstrate what we can contribute.



I have already talked here about the importance of timing. Many times, to have a business that works, you need to surf the crest of the wave. Because when the wind is in favor, the boat does not have to be perfect.

Renewable energies are experiencing a boom, and more since the abolition of the “sun tax.”

Any service in this field, any knowledge that we can acquire or apply, will have that wind in favor as a profitable business idea in 2020, at least for now.



Whether dancing, martial arts, a sport, or having a body in general. The personal training is fashionable and nothing better than these principles of the year to capture people for the summer.

If physical activity is your thing, and you can demonstrate what you say with results, this is always an excellent business idea. Why?

Because liking others and feeling good about oneself is something that is always in demand.



A key in many personal services is that we can target companies.

One of the advantages of this refocusing is that we can make more and better profitability since companies tend to have more budget than many individuals.

If at the time of organizing events, we specialize in companies, one of the keys is to have the experience.

How to win it if we are starting?

I fear that the answer is the same as always: we will have to offer a strong guarantee and lower the price somewhat at the beginning to “get our foot in the door”, before accessing the big projects.

That connects with the next business idea.



The new startups, with a very Silicon Valley philosophy, seek to retain talent. For that, the work environment and culture must be perfect.

In many sectors, especially technology and pointers, the figure of the corporate wellness monitor has emerged.

It is someone who organizes activities, mainly related to health and well-being, in addition to locating work environment problems and proposing solutions.

From meditation sessions, to group activities to strengthen the union and improve camaraderie, are some of the activities performed.

If you know the sport, psychology, yoga, etc., you can probe the terrain in this regard.

The key when you’re starting?

In this class of services, you can carry out demonstrations without risk. Tracing a personalized plan for the client company and with that demonstration without compromise, will earn us points.

Curtains in Dubai presented the few useful small business ideas for 2020 without investments.

Trendy Hoverboard Carrying cases

If you like to carry your hoverboard with you while travelling or to a party, then you need a good quality hoverboard case. You can carry hoverboard in a hoverboard case with ease. These hoverboard bags have various features like self-driving load, fireproof, waterproof etc. Let’s check out top 5 hoverboard bags and their features according to our research.

Eyourlife 6.5” hoverboard Backpack

 You can get this advanced quality durable backpack at the price of just under $18. This hoverboard carrying case is completely waterproof. The main features of this backpack are as follows.

  1. The hoverboard carrying bag is thick at the bottom which can play a buffer role. Hence, your bag will be safe. 
  2. It has an internal waterproof coating to avert rain.
  3. You can pack your hoverboard easily as the bag is made slightly larger than 6.5 inches. 
  4. The bag is fashionable and Unisex. Furthermore, it has Multiple compartment design to carry small items.
  5. You can carry the bag by hand or on both shoulders.
  6. It has a suitable capacity to carry a load that makes you feel comfortable even with travelling pressure. For the special ergonomic design, you will feel safe and comfortable. The straps are covered with cotton.

Swagtron Hands-Free Smart Board Backpack

If you like larger adjustable sling strap to carry your hoverboard on your shoulder, then Swagtron Hands-Free Smart Board Backpack is suitable for you. Other features of this backpack are as follows.

  1. The bag company use 1680D ballistic nylon for manufacturing. It is lightweight and made with reinforced stitching. Hence, you need not worry about the durability of the hoverboard backpack.
  2. It includes charger bag and made especially for Swagtron T5, X1 and X2. Furthermore, it has built-in flexibility feature that allows you to arrange your special needs.

Cosmos Portable Waterproof Carrying Bag

This hoverboard bag has a double zipper closure which can give you extra comfort while you put the hoverboard inside. The size of the Cosmos Portable Waterproof Carrying Bag suits easily with 6.5-inch wheel wide self-balancing scooter as the dimension of the bag is 24.5″*7.5″. I have chosen this bag in the top 5 as the price of the hoverboard case is lowest among the good quality hoverboard bags. You can get the bag at only $ 10.70.  This waterproof carrying Bag Company has a rating of more than 4 out 5 ratings on Amazon and you can rely on this rating as it is done by more than 250 customers. Hence, this bag is a wonderful example of the cheap and best hoverboard carrying bags. 



Eyourlife 6.5” Waterproof Hoverboard Bag Case

Eyourlife is consists of waterproof oxford material. The most helpful quality of this bag is thick materials at the bottom. Due to this feature, this bag can make a buffer role while making contact with a hard surface. Hence, your backpack will be safer with this backpack. Like every other modern hoverboard case, it has also internal waterproof coating. The Eyourlife case is appropriate for all 6.5-inch hoverboard as the bag made a little larger than 6.5 inches. It can be carried by hand or on both shoulders.

 Gamexcel Self-Balancing Scooter Carrying Handbag

 The gamexcel Self-Balancing Scooter Carrying Handbag Backpack Bag is fit for any size of self-balancing scooter. Hence, the bag can carry 6.5″ 7″ and 8″ Two-Wheel Hover Board. It is made of thick material and can hold hoverboard scooters of any size firmly. It also has 2 zippers that provide maximum access to the carry your self-balancing scooter with great ease. It has a really strong back strap. This Hoverboard carrying bag has a feature of Ergonomically designed shoulder straps to put the least weight on the shoulder. Furthermore, The Gamexcel Self-Balancing Scooter Carrying Handbag has a well-built mesh pocket that can store any smaller item such as a water bottle, keys, and chargers.

3 Ways Winters Cause Erectile Dysfunction Among Men in Australia

No one would have the idea that living in cold temperatures might also be the reason for erectile dysfunction. You may be familiar with a number of causes for erectile dysfunction but the temperature would not be one of them. The reason is that all of us focus so much on the most obvious or common causes that we neglect some of the crucial ones. Extremely cold temperature is one of those causes about which no one has ever talked. However, you will learn about the connection between cold temperature/winter and erectile dysfunction in this article. People may recommend you to get trial pack trio in Australia, but you must know the cause for it before you buy medication. It is important because knowing the cause would help you in buying the right medication for you. 

Here are the 3 main ways by which winters or cold temperatures cause erectile dysfunction in men in Australia. Let’s look at this one by one.


  • High Impact on Sexual Arousal


There is strong evidence that extremely cold temperatures have a deep impact on sexual arousals in men. The erection issues also onset when there is a lack of sexual arousal or no urge for having sex. When the winter season is on peak and you get nothing to warmup yourself, you may feel a lack of arousal. This is not any problematic thing or anything to worry about if this happens only in the colder temperature in Australia. This is because you can always get your sexual arousal back while lying on a bed in a warmer room. Basically, the cold temperature affects the arousal of sexual feelings in men in Australia. 


  • Affects the performance


During the winter season or cold weather, the performance of our body, as well as its organs, affect badly. When you live in cold temperatures, you may feel a lack of energy or enthusiasm to perform your routine duties. Similarly, if your body is getting cold in cold weather, it fails to get the required erections. The basic reason for this is that when a person is feeling the cold, all of his attention shifts towards coping with the cold. As a result, these thoughts put more pressure or more strain on your mind regarding weather and you fail to focus more on sexual thoughts. At the same time, if you get able to warmup yourself through anyway, then the arousal of sexual feelings gets stronger than cold feelings. This is the time when you easily get the erection to engage in a relationship with your partner. Therefore, excess of cold weather would never enable your body functions to perform their duties/functions effectively. 


  • Cause the muscles to contract


Many people are aware of this situation when staying under highly cold temperatures make their muscles to contract. In such a situation, you would feel your skin tightening or shrinking, and your muscles contracting. When there is such tension on your organs, how would you get an erection? It is just not possible for an ordinary man to get the erection while his body is struggling to adjust to the cold. Therefore, if you are facing the erectile dysfunction issue only under the cold weather, it is not a big issue. You can simply cater to it with any good and effective medication when the temperature is cold. For example, you may get generic kamagra jelly 100mg in Australia to get a perfect erection under cold temperatures. However, it is also important to keep yourself warm through any possible way to control such issues.