About Gold Loan

Gold Loan is the best option available for the loan seekers at very best interest rates. Several financing authorities are available in market dealing with these Loans. Borrower should go for the best deal with best offer available.

Find The Best Rate On Gold Loan Bhadrachalam

Following are Best Rate offered Gold Loan Bhadrachalam :

  1. Interest Rates: Starting at the rate of 1% p. m.
  2. Loan Tenure: From 6 months to 4 years.
  3. Pre-Closure Charges: 0% to 2% 

Find The Most Suitable Offer For Gold Loan Bhadrachalam

Following most sutable offer for Gold Loan Bhadrachalam :

  1. Personalized Service: Our trained Relationship Managers will understand your requirements and your profile and help you find the most suitable Gold Loan offer.
  2. Rate Comparison: We help you understand the details of all costs involved in taking a Gold Loan and help you find the Cheapest Offer.
  3. Research: Benefit from our detailed research on all the products from the leading Gold Loan players in the market and make the right choice.
  4. Zero Charges: Dialabank offers personalized service to its customers at zero fees. Use our services to find the right Gold Loan deal at no extra cost.
  5. Unbiased and Transparent Search: Our objective is to simplify your Gold Loan search and we provide information in an unbiased and transparent manner.

Features Of Gold Loan Bhadrachalam

Following are the Features of Gold Loan Bhadrachalam :

  1. You can avail Loan up to Rs.1 Crore & up to 90% of value for any purpose
  2. You get 100% Safety & Security of your Gold Jewellery / Bars
  3. Get your loan processed in 30 minutes
  4. Enjoy Anytime Liquidity
  5. No EMI, Service only Interest and enjoy the Loan facility
  6. Lower Interest Rates
  7. Simple documentation and fast processing.
  8. Overdraft limit varies depending on the market rate of gold.
  9. The interest rate is payable the only amount of the overdraft that you use.

Advantages Of Taking A Gold Loan Bhadrachalam

Following are Best Advantages of Gold Loan Bhadrachalam :

  1. No income and salary criteria- Gold loans do not require any qualifications for income or salary of the person. So even if you are unemployed and unsalaried you can still avail of a gold loan. This is because you are pledging a valuable asset, gold in return of the money.
  2. Available also in case of bad credit history or low income level.
  3. Relatively Lower interest rates- The another advantage of taking a gold loan is that they are available on low interest rates, say 12-16% annually in comparison to the personal loans interest rates of 15-26% per annum.
  4. You need to repay only the interest- You have the option to pay only the interest during the tenure of the entire gold loan and at the end of tenure, you can pay the entire borrowed amount in a single shot.
  5. Total Convenience- The most convenient of all the loans is a gold loan because in this all you have to do is pledge your gold with a bank or a private finance institute and the work is done. You can get a loan up to 90% of its market value immediately.
  6. Less processing time- No tedious and lengthy documentation is required in case of gold loans, hence it can be resorted to in times of urgent needs. Banks take a few hours in the processing of the gold loan whereas some NBFC’s state that they only take a few minutes for the same task.

Eligibility

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 Documents For Gold Loan Bhadrachalam

Required the following important Documents for the Gold Loan Bhadrachalam :

  1. Identity Proof: Passport Copy/ Voters ID card/ Driving License/ Aadhar Card
  2. Proof of Address: Ration card/ Tel, Electricity. Bill/ Rental Agr. / Passport copy/ Trade license /Shop & Est. License/Sales Tax certificate/Aadhar Card
  3. Signature Verification Proof: Passport Copy/Driving License/Banker's verification/cheque.
  4. 2 passport size photographs.

Other Documents

  1. For farmers, the banks and NBFCs offer low rates of interests on the gold deposits.
  2. For this the applicants have to provide the agricultural documents and also the income proof.

About Bhadrachalam

Bhadrachalam is a Mejor Grama Panchayathi in Khammam district, the state of Andhra Pradesh. Bhadrachalam is situated on the banks of the river Godavari. Bhadrachalam had a population of 55,352.

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