Gold Loan Raipur

AT 0.75%* INTEREST RATE
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Gold Loan Raipur

Major Gold Loan Providers in Raipur

Feature HDFC Bank SBI
Muthoot Finance
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
1 month 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 Raipur Features

Gold Loan Raipur Features

Rolling out of funds?

Do not grasp what to do?

Do not suffer Gold Loan is possible for you. This loan requires less paperwork, as it is unsecured in nature and you can get your loan approved within 2-3 hours after all the verification process.

Gold Loan Raipur loan provides financial aid to the customers at the best affordable interest rates. To receive a Gold loan, the candidate requires to have a resolute and reliable source of income, which will make the verification and loan approval process faster.

Furthermore, you can get a loan up to 75 percent of the market value of gold, this is due to fluctuation in the market price of the gold.

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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

You can Call and Speak with a Gold Loan Raipur Relationship Manager on 9878981144

Gold Loan Raipur Interest Rates – Mar 29 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%

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Gold Loan Per Gram For All Major Bank in Raipur – Mar 29 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 Raipur

Minimum and Maximum Age
21 Yrs – 60 Yrs
Note: However, many banks require a minimum age of 23 years
Loan Amount
Up to ₹ 2 Cr. Some banks restrict maximum eligibility to ₹ 20 Lakh
Interest rates are lower for a higher loan amount
Employment Type
Salaried and self-employed both are eligible
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
Gold ornaments should range in between 18 to 24 Carats
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
Banks do not check CIBIL score for granting a gold loan
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 bars and coins
Gold with 18-24 carat purity
Employment track record and income proofs
Banks do not check your job stability or business stability to sanction you a gold loan. Gold loans are granted without income proofs. You only need to submit your basic KYC documents such as address proof, identity proof, and an Aadhaar card to avail of this loan.

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Documents for Gold Loan Raipur

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 Raipur

  1. The applicant should be at least 21 years of age
  2. The applicants’ age should not be more than 60 years
  3. He/she should be a national citizen

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How to Apply for Gold Loan Raipur

Online Process to Apply for Gold Loan Raipur

  • You can apply for the Gold Loan at Dialabank.
  • You just have to fill a simple form online.
  • After that, you will get a call back from our representative.
  • Call on 9878981166 anytime.

Dialabank is considered as the best platform to apply for a gold loan online. The reasons behind this are:

  1. Dialabank is India’s first commercial helpline; it gives the best commercial assistance to customers all over the nation.
  2. There are no additional costs of applying for a gold loan online on Dialabank.
  3. One more information is that you will get a huge LTV of your gold.
  4. The bank has a good name among the customers because of its most trustworthy and secure services.
  5. If you apply for a gold loan on Dialabank, then you will get a low Gold loan Interest Rate.
  6. Very little paperwork is required.
  7. Eventually, the Connection directors are trained completely to guide and serve you in the entire process of Gold Loan.

Offline Process to Apply for Gold Loan Raipur

The candidate also has an alternative to avail of Gold Loan per gram from the nearby branches. To do so, seek Gold Loan near me on google. It will record all the branches of banks and finance firms giving loans near you. You need to choose them according to your choice and knowledge. Then you have to visit those departments and apply for a loan and have to visit many times before than loan gets finally approved.

But Dialabank can do that for you in a faster and more reliable manner.

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Processing Fees / Prepayment Charges on Gold Loan Raipur

Bank
Processing Fee
Prepayment Charges
HDFC Bank Gold Loan
0.25% to 1.50%
2%, Nil foreclosure charges after 3 months
Axis Bank Gold Loan
0.50% to 1.50%
Nil
Private Bank Gold Loan
0.25% to 1.50%
2%, Nil foreclosure charges after 9 months
SBI Gold Loan
500/- to 0.50%
Nil
Kotak Gold Loan
1% to 2%
2.25% of fore closure amount if closed 1 month ahead of the tenure.
IIFL Gold Loan
Nil
Nil
Muthoot Gold Loan
Nil
Nil
Manappauram Gold Loan
Nil
Nil
PNB Gold Loan
0.70% to 1%
Nil
Canara Bank Gold Loan
1%
Nil
Andhra Bank Gold Loan
Nil
Nil

EMI Gold Loan Scheme with Bullet Repayment Scheme Comparison

Monthly Payment EMI Scheme (₹)
Bullet Repayment (₹)
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
Bullet Payment (At the end of 12 months)
  ₹ 3 Lakh
Total Payment ₹ 3.24 Lakh ₹ 3.44 Lakh

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CIBIL Score Required for Gold Loan Raipur

Having a good CIBIL score is a must before applying for a gold loan, that is why every lending institution has its own criteria for the minimum CIBIL score required for processing a Gold Loan application in Raipur. Most companies require a least score of 750 to concoct your loan request.

Not simply your CIBIL score, the organizations also see the specific behavior on the previous loans taken. This covers details on the type of loan taken and the amount borrowed. Any withheld adjustments for previous loans can act as a block to your availing a fresh loan. So make indisputable that your CIBIL score is good before applying for a loan.

Compare Gold Loan Rate Per Gram and Lowest EMI of All banks in Raipur

Bank Interest Rate Lowest EMI Per Lakh
Eligible Loan Amount For Max Tenure
SBI Gold Loan 7.50% Rs. 3,111
Rs. 20 Lakh for 36 months
Muthoot Gold Loan 11.99% Rs. 3,321
Rs. 50 Lakh for 36 months
Manappuram Gold Loan 12.00% Rs. 8,885
Rs. 1 Cr for 12 months
HDFC Bank Gold Loan 9.90% Rs. 4,591
Rs. 50 Lakh for 24 months
Yes Bank Gold Loan 9.99% Rs. 3,226
Rs. 50 Lakh for 36 months
Private Bank Gold Loan 10.00% Rs. 8,792
Rs. 15 Lakh for 12 months
Federal Bank Gold Loan 8.50% Rs. 8,722
Rs. 75 Lakh for 12 months
Canara Bank Gold Loan 7.65% Rs. 8,683
Rs. 10 Lakh for 12 months
Andhra Bank Gold Loan 10.70% Rs. 8,824
Rs. 2 Cr for 12 months
Axis Bank Gold Loan 13.00% Rs. 4,754
Rs. 20 Lakh for 24 months
IndusInd Bank Gold Loan 10.00% Rs. 8,792
Rs. 10 Lakh for 12 months
PNB Gold Loan 8.75% Rs. 8,734
Rs. 10 Lakh for 12 months
Fincare Small Finance Bank Gold Loan 12.99% Rs. 11,721
Rs. 40 Lakh for 9 Months

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Gold Loan Raipur Agents

One of the preeminent and most advanced gold loan agents in Raipur is Dialabank. Apply online at Dialabank or call at 9878981166

Gold Loan Raipur Contact Number

Call 9878981166 and get immediate help and consent for Gold Loan in Raipur right now.

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Pre Calculated EMI Table for Gold Loan Raipur

Rate
5 Yrs
4 Yrs
3 Yrs
10.50%
2149
2560
3250
11.00%
2174
2584
3273
11.50%
2199
2608
3297
12.00%
2224
2633
3321
12.50%
2249
2658
3345
13.00%
2275
2682
3369
13.50%
2300
2707
3393
14.00%
2326
2732
3417
14.50%
2352
2757
3442
15.00%
2378
2783
3466

About Raipur

Raipur is the principal city of Chhattisgarh state in middle India. In the middle, the antique Dudhadhari Math temple is a holy monument dedicated to Lord Rama, decorated with scenes from the epic poem “Ramayana.”

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Other Cities for Gold Loan in Chattisgarh

Gold Loan Kotpad Gold Loan Hodal
Gold Loan Rajnandgaon Gold Loan Bijwasan
Gold Loan Faridabad Gold Loan Burari
Gold Loan Noida Gold Loan Karawal Nagar

Gold Loan Raipur FAQs

What is gold loan?

The gold loan also referred to as loan against gold is a type of secured loan that a person can avail by keeping their gold ornaments as collateral security with the lender. unlike other secured loans like car loans or home loans, a gold loan can be used for any purpose.

✅ How to get loan in Raipur?

To get a loan in Raipur a borrower can either visit the nearest gold loan offering bank branch with their gold and basic documents such as Aadhar card, pan card or they can fill an inquiry form online at dialabanks digital platform for better convenience and personalized assistance.

✅ Which bank is best for gold loan in Raipur?

HDFC offers the currently offers the biggest gold loan services in Raipur. Starting with low rates of interest, HDFC bank offers various other facilities like a personal locker for your gold. same day disbursement of the loan amount and highest LTV Ratio to name a few.

✅ What is gold loan interest rate in Raipur?

Gold loan interest is the monthly amount a borrower pays in addition to the principal loan amount. Different banks and financial institutes offer different rates of interest. On average, this rate varies between 10.50% and 12% per annum.