Major Gold Loan Providers in Kalimpong
Feature
HDFC Bank
SBI
Interest Rate
9.90% onwards
7% onwards
12% onwards
Min Loan Amt
Metro : 25000, Non : 15000
25000
15000
Max Loan Amt
1 Cr
1 Cr
1 Cr
Loan Tenure
3 months to 24 months
9 months to 24 months
Processing Fee
0.25% to 1.50% of the Loan Amt
0.25% to 1.50%
Nil
Pre-closure Charges
2%, Nil foreclosure charges after 3 months
2%, Nil foreclosure charges after 9 months
Nil
Overdraft Facility
Yes
Yes
Yes
Pay Only Interest Facility
Yes
Yes
Yes
Gold Rate Per Gram
3066
3073
3073
Gold Loan Kalimpong Features
Are you out of cash and feeling helpless?
With Gold Loan, you do not have to worry anymore. You can avail of your loan within 48 hours after the completion of verification. Being a secured loan, it does not require long and confusing documentation. With the lowest interest rate on gold loan, Gold Loan Kalimpong is here to provide the customer with financial aid. The customer must have a stable and good income source as well as a good credit history to get the gold loan, this will even make the approval process faster.
Furthermore, keeping in mind the market rate fluctuation of gold, you get to avail up to 75 percent of the market value of gold.
Key Features:
⍟ Get Loan in 30 Minutes
⍟ Highest Gold Rate in India
⍟ 100% Safety of Your Gold
⍟ Minimum Documentation
⍟ Without EMI Gold Loan
⍟ Gold Loan in 1 Visit
⍟ No Melting of Gold
⍟ 24 x 7 Online Payment Facility
⍟ No Hidden Charges
Gold Loan Kalimpong Interest Rates – Apr 26 2024
Bank
Interest Rate
HDFC Bank Gold Loan
9.9% to 14%
Axis Bank Gold Loan
10.50% to 16%
Private Bank Gold Loan
10.75% to 16%
SBI Gold Loan
9.5 % to 13%
Kotak Gold Loan
11% to 14%
IIFL Gold Loan
9.24% to 24%
Muthoot Gold Loan
12% to 24%
Manappauram Gold Loan
12% to 26%
PNB Gold Loan
10.05% to 16%
Canara Bank Gold Loan
9.75 % to 13%
Andhra Bank Gold Loan
10.70% to 16%
Gold Loan Per Gram For All Major Bank in Kalimpong – Apr 26 2024
Bank / NBFC | Rate Per Gram | Interest Rate | Gold Loan Tenure | Min - Max Loan Amount |
HDFC Gold Loan | ₹ 3,506 to ₹ 4,621 | 9.90% | 3 to 24 months | ₹ 10 thousand to 5 crore |
Private Gold Loan | ₹ 3,506 to ₹ 4,821 | 10.00% | 6 to 12 months | ₹ 10 thousand to 5 crore |
Muthoot Finance Gold Loan | ₹ 3,506 to ₹ 4,621 | 12.00% | 7 days to 36 months | ₹ 3 thousand to 1 crore |
Manappuram Gold Loan | ₹ 3,506 to ₹ 4,621 | 12.25% | 12 months | ₹ 3 thousand to 1 crore |
Canara Bank Gold Loan | ₹ 3,506 to ₹ 4,621 | 10.25% | 36 months | ₹ 20 thousand to 50 lakh |
Axis Bank Gold Loan | ₹ 3,506 to ₹ 4,621 | 10.00% | 3 to 36 months | ₹ 10 thousand to 5 crore |
SBI Gold Loan | ₹ 3,506 to ₹ 4,621 | 9.75% | 12 to 36 months | ₹ 20 thousand to 50 lakh |
Indian Bank Gold Loan | ₹ 3,506 to ₹ 4,621 | 7.50% | 3 to 36 months | ₹ 20 thousand to 50 lakh |
Bank of Baroda Gold Loan | ₹ 3,506 to ₹ 4,621 | 10.25% | 12 months | ₹ 20 thousand to 50 lakh |
Yes Bank Gold Loan | ₹ 3,506 to ₹ 4,621 | 10.25% | 12 months | ₹ 10 thousand to 5 crore |
IIFL Gold Loan | ₹ 3,506 to ₹ 4,621 | 12.00% | 11 months | ₹ 3 thousand to 50 lakh |
Gold Loan Eligibility Criteria in Kalimpong
Minimum and Maximum Age
Note: However, many banks require a minimum age of 23 years
Loan Amount
Interest rates are lower for a higher loan amount
Employment Type
Businessmen are increasingly taking gold loans to meet their working capital requirements.
In fact, housewives, senior citizens who are not eligible for other loans because they have no income proofs can easily avail of gold loans.
Quality of Gold
An average gold price of 22-carat gold for the preceding 30 days is adjusted down for purity. So, the price of 20 Carat jewellery can be estimated by multiplying the price of 22 Carat jewellery by a factor of 20/22
CIBIL Score
However, your repayment track record for a gold loan is counted towards your CIBIL score and hence, can be instrumental in building your CIBIL score
Gold ornaments that can be used for availing loan
Gold with 18-24 carat purity
Employment track record and income proofs
Documents for Gold Loan Kalimpong
At the time of application the following documents are required:
- Proof of the citizenship of India
- Duly filled application form
- 2 passport-sized photographs
- Applicant’s KYC documents to establish Identity and Address
- Salary/ Income Proof
- Witness Letter in case of illiterate borrowers
- In the case of Agriculture Loan of more than Rs. 1 lac, land proof
- Certificate by the Jewel Appraiser (Bank will arrange)
At the time of disbursement the following documents are required:
- Demand Promissory Note & Demand Promissory Note Take Delivery Letter
- Gold Ornaments Take Delivery Letter
- Arrangement Letter
Eligibility Criteria for Gold Loan Kalimpong
- The minimum age criteria are 21 years and a maximum of up to 60 years.
- Must be an Indian National.
GOLD LOAN @ 0.75%*
APPLY NOW
How to Apply for Gold Loan Kalimpong
Online Process to Apply for Gold Loan Kalimpong
You can register for the HDFC Bank Gold Loan at Dialabank. You just need to fill a simple online form. After that, you will hear from our representative. A document pick-up facility from your doorstep is also available. For further details, you can ring us at 9878981144 anytime. Dialabank which is considered as the top platform to apply for a gold loan online has been able to maintain its stand as:
- Dialabank is India’s first financial helpline; it offers the best financial services to all the customers in the country.
- Dialabank helps the customer with free of cost guidance. There are no further charges to apply for a gold loan online on the website of Dialabank.
- You will even get a high LTV of your gold.
- Furthermore, the bank has a respectable stand amongst the customers due to its quick and great service.
- You will get a low HDFC Gold Loan Interest Rate if you apply for a gold loan through Dialabank.
- Dialabank further assists the customer with a document pickup facility from the doorstep.
- Minimum paperwork is needed while applying for a gold loan per gram through Dialabank.
- Most importantly, Relationship managers are skilled and trained to guide and assist you in the Gold Loan process.
Offline Process to Apply for Gold Loan Kalimpong
The applicant can also avail of the Gold Loan with the help of nearby branches. For that, Google search Gold Loan near me. You will get to know about all the branches of banks and finance companies that provide gold loans near you. You can research and then choose amongst them or you can choose Dialabank which will in turn make the process convenient and faster for you. Then you need to go to all those departments and apply for a loan. You will also have to visit many times to get your loan approved. On the other hand, there are some banks and finance companies with a faster process which are HDFC Gold Loan branches and Muthoot Gold Loan branches. HDFC Gold Loan Branches can help you get the loan in a more convenient manner. To find a nearby branch, search Muthoot Gold Loan near me. Google will locate all the nearby Muthoot Gold Loan Branches.
Processing Fees / Prepayment Charges on Gold Loan Kalimpong
EMI Gold Loan Scheme with Bullet Repayment Scheme Comparison
Monthly Payment
EMI Scheme (₹)
Month 1
27007
3625
Month 2
27007
3625
Month 3
27007
3625
Month 4
27007
3625
Month 5
27007
3625
Month 6
27007
3625
Month 7
27007
3625
Month 8
27007
3625
Month 9
27007
3625
Month 10
27007
3625
Month 11
27007
3625
Month 12
27007
3625
₹ 3 Lakh
Total Payment
₹ 3.24 Lakh
₹ 3.44 Lakh
CIBIL Score Required for Gold Loan Kalimpong
CIBIL score is one of the most important requirements to avail of a gold loan as all the leading institutes have a minimum CIBIL score criterion to process your Gold Loan application in Kalimpong. So make sure to have a good CIBIL score before you apply for a gold loan. A minimum of 750 CIBIL scores is a requirement for most institutes. Moreover, the institutions also go through your previous loan conduct in a detailed manner which includes the type of loan you took and the amount borrowed amongst others. Delayed payments in the previous loan stand as a barrier between you and you and your loan approval. To avoid such problems, try to maintain a good CIBIL score to avail of the loan.
Compare Gold Loan Rate Per Gram and Lowest EMI of All banks in Kalimpong
Bank
Interest Rate
Lowest EMI Per Lakh
SBI Gold Loan
7.50%
Rs. 3,111
Muthoot Gold Loan
11.99%
Rs. 3,321
Manappuram Gold Loan
12.00%
Rs. 8,885
HDFC Bank Gold Loan
9.90%
Rs. 4,591
Yes Bank Gold Loan
9.99%
Rs. 3,226
Private Bank Gold Loan
10.00%
Rs. 8,792
Federal Bank Gold Loan
8.50%
Rs. 8,722
Canara Bank Gold Loan
7.65%
Rs. 8,683
Andhra Bank Gold Loan
10.70%
Rs. 8,824
Axis Bank Gold Loan
13.00%
Rs. 4,754
IndusInd Bank Gold Loan
10.00%
Rs. 8,792
PNB Gold Loan
8.75%
Rs. 8,734
Fincare Small Finance Bank Gold Loan
12.99%
Rs. 11,721