Gold Loan Ganderbal

Gold Loan is specially designed for those people who need quick cash for their sudden economical needs. Gold Loan is the financial assistance offered by banks against the gold asset owned by yours.It is a loan available with simplified procedures and fewer hassles.

Why one should choose Gold Loan in Ganderbal?

  1. No hidden charges.
  2. Fast Loan disbursal.
  3. No credit checks.
  4. No co-signer needed.
  5. Prepayment facility.
  6. Flexible pre-closure way.

Features of Gold Loan in Ganderbal:

Following are the Features of Gold Loan:

  1. The largest amount that the banks and NBFCs can provide is Rs 1 Crore.
  2. The gold of the applicants will be kept safely and securely with the banks.
  3. The loans can be withdrawn at any time and anywhere you want.
  4. The rate of interest on these loans is very competitive.
  5. The papers which are needed in these debts are very less in numbers.
  6. The fast processing of these loans is another advantage.
  7. The facility of the overdraft can be taken from the banks and NBFCs and the rate of interest is to be paid only on the amount you use.

Interest Rate

  1. The banks and NBFCs are providing the gold loans at the rate of 10.5% p.a.
  2. The banks and NBFCs are giving the loans for 1 to 4 years.
  3. The pre-closure charges of these loans are in between 0% and 2% of the outstanding loan amount.

Eligibility for Gold Loan Ganderbal

ELIGIBILITY

Age

Minimum: 18 year

Maximum (at loan maturity): 70 year

Gold requirements

Minimum 10 gram of gold

Loan Amount

Minimum: 15k

Maximum: No Limit

Citizenship

Indian

Employment Status

Salaried

Self-employed 

 

Required Documentation for Gold Loan Ganderbal

  1. Borrower Identity: Two passport size colored photographs
  2. Proof of Identity: Passport Copy/ Voters ID card/ Driving License/Adhar card/ PAN card.
  3. Residence Proof: Ration card/ Tel, Electricity Bill/ Rental bill/ Passport copy/Trade license /Shop & Est. License/Sales Tax certificate.
  4. Signature Proof: Passport Copy/Driving License/Banker's verification/cheque

Additional Documents Required

The banks generally demand the above-given documents. However few banks demand some additional documents which are as follows

  1. Land Proof: In the case of Agriculture Loan of more than Rs. 1 lac. The proof is not required for allied agriculture purposes.
  2. Income proof: Salary Certificate and Form No.16.

About Ganderbal :

A newly formed district of Ganderbal in Indian State of Jammu and Kashmir. Ganderbal was formerly two tehsils (Ganderbal & Kangan) of Srinagar District.

How to Apply

Apply online on www.dialabank.com

Check the eligibility        

Call the helpline number 600-11-600 or 95920-46860

Visit the bank

Submit all the documents

Get the loan

We assure you that we will provide you with the lowest interest rate on your gold as compared to others call us 95920-46860 for more details.