Gold is one of the most precious and celebrated metals in India. Buying and gifting gold is an old tradition of our culture. However, the service of Loan Against Gold has changed the scenario of how people use this metal. Nowadays, people buy Gold to overcome financial troubles in life.
What is Gold Loan?
Gold Loan is the fastest growing financial service in the banking industry. Majority of people have gold ornaments which are just lying in the bank lockers or at home. Thus, Loan Against Gold provides an opportunity for the people to unleash the worth of this valuable yellow metal by availing a gold loan against them.
Also, Gold Loan Interest Rate is quite affordable and less in comparison to other services like a personal loan and home loan. Moreover, the process is very simple and hassle-free. The applicant just has to put gold ornaments in the bank in return for the amount of loan. After the loan is repaid by the applicant, the bank returns the gold ornaments to the customer in the same shape. Finally, There are a lot of banking and nonbanking organizations where a customer can approach for a Loan Against Gold.
*In order to get cash at the comfort of your home, Just fill the above form and let us take your stress away of availing a Loan Against Gold.
How does Gold Loan work?
Our country has about 10% of the total gold stock in the whole world. Thus, the majority of people own gold ornaments in India. Loan Against Gold is a service that helps people to get cash against the gold they own. The mechanism of this service is quite simple and clear.
- The applicant just has to pledge gold jewelry to the lender in return for the loan amount. After you take your jewelry to the bank, the in-house jewellers access your gold jewelry in terms of purity and weight.
- Then, according to the value of gold, the lenders give the loan seekers cash equivalent to around 70%-75% of the value of their gold.
- Now the lender has the possession of your gold ornaments until the full repayment of the loan amount.
- Finally, when you repay the whole amount of loan, the bank returns the gold in the same shape to the customer.
This is the entire process of the service of Loan Against Gold. Thus, the Documents required are quite minimal as the bank is majorly concerned about the quality and quantity of Gold.
What is Gold Loan Interest Rate?
Gold Loan is a service that provides its customers with cash at the best rate of interest. In contrast to other services like Personal Loan and Home Loan, Loan Against Gold Interest Rate is quite less and reasonable. On average it starts at 10.75% per annum and can go up to 24% per annum. Different Banks and NBFC’s provides different interest rate to the customers.
*Read more about Gold Loan Interest Rate and compare them.
How to Calculate Gold Loan Interest Rate?
The Rate of Interest is the amount that is charged on the amount of loan. The Gold Loan Interest Rate depends on the factors stated below:
Internal/External Customer: The loan seekers who have an account in the bank from where they want to avail the loan, then such customers are known as internal customers. Internal customers are given a rebate on the rate of interest charged by the applicant.
Amount of Loan: The loan amount is the major factor that decides the rate of interest that will be charged from the applicant. The Gold Loan Interest Rate is higher for loans with lesser amounts. Thus, the more the amount of loan the lesser is the Rate of Interest.
LTV Ratios – Furthermore, lending institutions charge a higher rate of interest on the Loan Against Gold with a high LTV ratio. Thus, the more the LTV of the gold jewelry, the higher is the Rate of Interest charged by the applicant.
Gold Loan Interest Rate of Major Banks
|Bank||Gold Loan Rate|
|SBI Gold Loan||11.50%|
|IIFL Gold Loan||11.75%|
|Allahabad Bank Gold Loan||11.75%|
|Muthoot Gold Loan||12.00%|
|Federal Bank Gold Loan||12.00%|
|Manappuram Gold Loan||12.25%|
|PNB Gold Loan||12.25%|
On What Factors does the Gold Loan Amount Depend?
The amount of Loan disbursed depends on mainly two factors:
The Quantity of Gold: To begin with, the weight of gold is one of the main factors that decide the amount of loan disbursed to the customer. The weight is measured after subtracting the weight of the stones(if any) in the jewelry. Higher the quantity of gold more is the amount that can be given to the customer.
*Note: Minimum 10 grams of gold is required for loan approval.
Quality of Gold: Another factor that decides the loan amount is the quality of gold. The purity should lie between 18 Carat to 22 Carat. Therefore, the better is the purity of gold, the more is the amount of loan that can be approved.
What are Different Gold Loan Schemes?
The banks provide different schemes on the basis of the purpose of availing a loan. The following are the schemes that banks provide to the customers willing to avail a Loan Against Gold.
Non-Agricultural Loan against Gold: To begin with, all the loan seekers who won’t be using the amount for agricultural activities are eligible for this scheme. All the people including Salaried, Housewives, Self Employed, Students, women who want to avail a Loan Against Gold fall under this category. There are different repayment options provided to the customers like Term Loan, EMI Facility and Overdraft facility.
Agricultural Gold Loan: This is a type of Loan Against Gold that is provided to only farmers who want to use the money for the agricultural practices. This service is provided to the farmers at a discounted rate of interest.
Also, the basic idea of this scheme is to provide finance to the customers for managing crop production expenses or to invest in allied agricultural activities. In order to avail an Agricultural Gold Loan, one should have evidence of farming in form of proof of agricultural land.
*Read More: Everything about Agricultural Gold Loan
What are Gold Loan Repayment Schemes?
There are three ways to repay the loan amount disbursed by the bank.
Bullet Repayment: Most of the people choose this option when it comes repayment of Loan Against Gold. In this service, the applicant just has to pay the interest rate during the tenure of the loan. Therefore the principal amount has to be paid at the end of the loan tenure. But, this option is provided to the customers availing short term loans. The interest rate is paid on a monthly basis through EMI’s.
Overdraft Facility: Next, this is a type of scheme that is famous among the self-employed people. As people owning a business have fluctuating money requirements. Through this service, one can withdraw money according to their needs.
That is, the applicant can choose the amount from the total loan amount disbursed for which they want to pay interest. Thus, the interest is applied to the amount that is withdrawn by the customer. Finally, the customer also has an option to renew the loan after the completion of the loan tenure.
EMI Facility: Furthermore, this is another scheme that customers can choose for the repayment of the Loan Against Gold. In this option, a fixed amount is calculated that the applicant has to pay monthly. This value includes a part of the principal amount and the interest rate. This scheme is becoming popular among people.
Read more: Know Everything About Gold Loan Repayment
Gold Loan Per Gram
While planning to avail the service of Gold Loan, the first thing that comes in mind of a person is the amount of loan that will be disbursed on per gram of gold. Generally, lending institutions give 1800 Rupees to 2685 Rupees on per gram of gold. But it again varies on the purity of the gold.
Read More About Gold Loan Per Gram
Who All Can Apply for Gold Loan?
- First and foremost, the gold should be in the name of the applicant or family member.
- Secondly, the applicant should be a resident of India.
- Thirdly, The age should lie in between 18 years to 70 years(at the time of loan maturity).
- Next, the bank is not concerned about the employment status of the applicant. Thus salaried, self-employed, housewives, students anyone can apply for a Loan Against Gold.
What are the Documents Required for Gold Loan?
Identity Proof: Aadhar Card/Pan Card/ Passport/ Voter ID/
Residence Proof: Aadhar Card /Pan Card/ Ration Card/ Utility Bills on the name of applicant/ Rental Agreement of applicant/ Voter ID card.
Agriculture Proof: Agriculture Land Proof.
Does CIBIL Score Matter in Gold Loan?
No, the banks do not check the CIBIL Score of a person to approve a gold loan. Loan Against Gold is a secured service, hence, the bank is not concerned about the repayment history of a person. Because, even if the applicant fails to repay the loan, the banks can cover the loan amount through the gold ornaments that they have in their possession.
Read More: What is CIBIL Score?
Why Should One Apply for a Gold Loan?
Great Availability: First and foremost, Loan against gold is a secured service, therefore the processing of this loan is quick as the bank is mostly concerned with the quality and weight of the gold.
Low Rate of Interest: In contrast to services like personal loans, the Loan Against Gold has the least interest rate as banks keep security against the loan.
Negligible foreclosure charges: Generally, banks do not have any prepayment charges but some banks can charge a penalty of just 1%.
Safety of Ornaments: The ornaments are more secure with the banks due to the strict security In the banking institutions which is quite less at homes.
No qualification of Credit Score: As this is a secured loan, therefore, the applicant does not have to worry about bad loan repayment history.
Income-proof not required: The salary of an applicant is not an issue for availing a Loan Against Gold as it depends majorly on the weight and quality of gold available with the applicant.
No loan processing charges: Another advantage is that the applicant does not have to pay extra for this service as the approval solely depends upon the asset kept as security.
Flexible tenure: In addition to other advantages, the applicant can choose the tenure of the loan according to their requirements and needs.
Only payment of interest: Lastly, the applicant has the option to pay the principal amount at the end of the tenure and only the interest every month.
Read More: Gold Loan Features and Benefits
Gold Loan EMI Calculator
It is very important to know the amount one has to pay every month to the bank. Therefore, you have an option to estimate the EMI before availing a loan. You can do so very quickly. Just click below and get to know the amount of the EMI you will have to manage monthly.
Why Gold Loan Instead of Personal Loan or Business Loan?
Now, any person who needs instant finance must be wondering why Loan Against Gold over Personal Loan? There are many people in our country who have a low credit score or poor repayment capacity. Poor repayment capacity of an individual may refer to the monthly salary of the person which may be low from the point of view of the bank.
That is, the bank may think that the person will not be able to pay the loan on time. Lenders often do not provide Personal Loan or Business Loan in such cases. This is the reason why Loan Against Gold is the best option for these people. All that the person needs to do is provide simple identity verification and the gold as collateral to the bank. Besides, Gold Loan Interest Rate is quite less in contrast to other financial services.
Why Will Banks Provide a Loan To a Person With Poor Credit?
Banks provide loans against gold to the people with poor payment history. This is because, in this service, gold is provided as collateral to the bank. The women are emotionally attached to gold. This encourages the borrower to repay the Loan as quickly as possible.
Hence, the bank is sure that the loan will be repaid on time. Even if the customer fails to repay the amount of loan, the bank is not at loss. As the ornaments are confiscated by the banks to recover the amount of loan.
Read More: CIBIL Score: Healthy or Weak?
FAQ’s for Gold Loan
1. What is Gold Loan Interest Rate Formula?
Loan Against Gold Interest Rate varies in different banks. Mainly, it depends upon the amount of loan and LTV ratio of the gold. To check interest rate, Click Here.
2. How to pay Gold Loan Online?
You have an option to pay a gold loan online through online repayment applications.
Read More: Best Methods of Repaying Gold Loan
3. How does Gold Loan Work?
Loan Against Gold is very simple to understand as well as easy to avail. The Bank provides you with funds against your gold Jewelry. The amount depends upon the gold weight.
4. Gold Loan is secured or not?
5. When you don’t repay a Gold Loan amount?
6. What is the best online platform to avail Gold Loan?
7. What is Gold Loan?
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.
8. How to calculate Gold Loan interest rate formula?
Gold loan interest rate formula depends upon a number of different factors which are; loan amount, loan tenure, quality of gold, relationship with the lending bank, and loan to value ratio. Different banks calculate the rate of interest differently.
9. How to get Gold Loan?
Gold Loan or Loan Against Gold is the easiest way to get a Loan especially in case of any urgent need. All you need to do is to take your Gold Ornaments and walk into the nearest Bank Branch or Non Banking Finance Company Branch that deals in Gold Loan.
Your Gold is checked for purity and weight and the market value is determined. You can avail a loan upto 75% of the market value of the Gold. Your Gold is deposited in a safe locker and the money transfered to your Bank Account or given in cash.
You can also apply for a Gold Loan on Dialabank, where you can easily compare the best offers and also get personalised service.
10. How to calculate Gold Loan interest?
Gold loan interest rates vary depending upon the lending institution, amount of loan availed, loan tenure, loan to value ratio, and quality of gold. One can easily check and compare these rates online with Dialabank.
11. How does Gold Loan work?
The gold loan works like any other secured loan, you submit your gold along with the required documents with the lender. The loan amount, rate of interest, and other terms are then decided based upon the valuation of your gold. Once everything is finalized your gold is securely locked away and the loan amount is either transferred to your bank account or given in cash.
12. How to take Gold Loan?
To take a gold loan you can visit the nearest banking or NBFC branch that offers gold loan service along with your gold and basic documents like Aadhar Card and PAN Card. You can also apply online at Dialabank’s digital platform for getting the lowest rates, better convenience and personalized assistance.
13. What is Gold Loan interest rate?
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.
14. How to get Gold Loan license?
If you want to dive into the gold loan business then you shall get approval from the RBI. You will need to submit the required documents along with the application form to the RBI and get yourself registered.
Alternatively, you can also register as a Nidhi Company. It is a type of company in the Indian non-banking finance sector, recognized under section 406 of the Companies Act, 2013. Their core business is borrowing and lending money between their members.
15. Lowest Gold Loan interest rate in which bank?
Currently, HDFC Bank is offering the lowest rate of interest for gold loan starting at 10.50% per annum. HDFC Bank grants loan with a LTV (Loan to Value) Ratio of 75%.
16. How much Gold Loan can i get per gram?
Depending upon the purity of your gold, banks offer gold loan between Rs. 1880 to Rs. 2700 on per gram of gold.
17. Which bank is best for Gold Loan?
HDFC Bank currently offers the best gold loan services in India. Starting with the low rates of interest, HDFC Bank offers various other facilities like personal locker for your gold, same day disbursement of loan amount, and highest LTV ratio to name a few.
18. What is Gold Loan scheme?
Gold loan is a scheme that provides loan against your gold. Any person in need of quick lump sum money can avail this facility that is offered by all the leading banks and non banking financial companies.
19. What happens if Gold Loan is not paid?
Not paying your gold loan will lead to decrease in your credit score making it difficult to avail loan in future and also will make you liable to face legal actions by your lender. These legal actions may include prosecution under law, extra charges and fines, confiscation and auction of your gold.
You should always pay back the loan on time and if incase you are unable to do so because of some reason then you should inform your lender of the same and ask for relief.
20. How to calculate Gold Loan interest in excel?
You can calculate gold loan interest in excel using the following formula; =PMT(RATE, NPER, PV) where, RATE refers to the rate of interest which is applicable to the loan amount, NPET refers to the total number of monthly instalments you need to pay or the loan tenure period, and PV stands for the principal loan amount.
21. Which Gold Loan is the best?
HDFC Bank Gold Loan stands tall and is the best option currently available in the market. HDFC provides a range of facilities starting with lower interest rates, less paperwork, quick disbursal, highest LTV ratio, and personal locker for the safety of your gold.
22. How is Gold Loan calculated?
The gold loan amount depends upon the purity of one’s gold and the current market gold rate. The rate of interest is then calculated based upon a number of factors including, loan amount, loan tenure, relationship with the lender, and loan to value ratio.
23. How much Gold Loan can i get?
Most Banking and Non-Banking institutes offer gold loans with a LTV ratio between 65% and 75%. Which means a person can avail a loan amount of upto 75% of their gold’s market value. This amount varies between Rs. 10000 to Rs. 50 Lakhs depending upon the purity of one’s gold and the customers loan requirement.
24. How to get a Gold Loan?
To get a gold loan a person can either walk into the nearest gold loan offering bank branch with their gold and basic documents like Aadhar Card and PAN Card or they can fill an inquiry form and apply online at Dialabank’s digital platform for better convenience and personalized assistance.
25. What is the procedure of gold loan?
The gold loan procedure is quite simple and straightforward. Borrower visits the lender with their gold articles and basic documents like Aadhar Card and PAN Card. The valuation of the gold is done and a loan amount and rate of interest is then offered to the borrower. Upon agreement, the gold is safely locked and the loan amount is either transfered to the borrower’s bank account or handed over in cash.
26. What is gold loan definition?
Gold loan means taking a loan by pledging your gold as collateral security. The loan amount is decided based upon the purity of gold and an interest rate is fixed accordingly. The average gold loan tenure is between 6 to 12 months with maximum being 36 months or 3 years.
27. Which bank gives highest gold loan?
HDFC Bank is currently the best bank to avail a gold loan. They provide gold loans at a LTV ratio of 75% which means you can avail a loan amount of upto 75% of your gold’s market value. The gold loan amount in HDFC starts at Rs. 25000 for urban areas and at Rs. 10000 for rural areas.
28. What is gold loan overdraft?
Gold loan overdraft is the overdraft facility availed on your gold loan amount. That is, you can spend as much as you want and whenever you need but upto the allowed credit limit. The rate of interest is charged only on the amount that you use. The payment option in overdraft facility is in a lump sum and you can close it anytime.
29. How to calculate gold loan emi?
Your gold loan emi is calculated based upon three parameters namely, P – principal loan amount, r – rate of interest per month, and n – loan tenure in months.
The formula used for gold loan emi is, E = P*r*[(1+r)^n/((1+r)^n)-1]
30. How to pay gold loan online?
A borrower can easily pay their gold loan emi online using net banking, credit/debit cards, or UPI on their lender’s website. For some Banks and NBFCs this facility is also available on Paytm wallet.
31. Where to take gold loan?
You can take a gold loan either by going to the nearest gold loan offering bank branch with your gold and basic documents like Aadhar Card and PAN Card or you can fill an enquiry form and apply online at Dialabank’s digital platform for better convenience and personalized assistance.
32. How to renew gold loan?
Renewal process for gold loan is quite simple. When the loan tenure is about to end, the borrower needs to visit the lender along with all the documents and the agreement of their present loan. The lender takes the gold from the locker and a revaluation of the gold is done on the basis of current market rates. The borrower then needs to fill a renewal form and pay a minimal renewal fee of 0.25%. The loan is then renewed.
33. Which bank has lowest interest rate for gold loan?
Currently, HDFC Bank is offering the lowest rate of interest for a gold loan starting at 10.50% per annum. HDFC Bank grants loans with an LTV Ratio between 70% to 75%.
34. How to get loan against gold?
Loan Against Gold (also known as Gold Loan) is one of the most prefered products by customers for getting funds when in a urgent need. All you need to do is to take your Gold Ornaments to a Bank or Non Banking Finance Company.
The Gold is checked for purity and weight and then loan eligibility is calculated. You can avail a loan upto 75% of the value of the Gold. You deposit the Gold with the lender and the money is transfered to your Bank Account. You can also avail Gold Loan by applying on Dialabank, where you can compare and get the best offers.
35. How to apply gold loan?
You can apply for gold loan by visiting any nearest gold loan offering bank branch along with your gold and basic documents such as Aadhar Card and PAN Card. Alternatively, you can easily fill out the form at Dialabank’s digital platform from the comfort of your home and avail personalized assistance.
36. What is margin in gold loan?
Banks maintain a margin of at least 25% in gold loans. That is, a person can avail a maximum of 75% of their gold’s market value as loan amount. For example, if your gold is valued at Rs. 1 Lakh in the market then banks will offer you a maximum loan amount of Rs. 75,000.
37. What is gold loan valuation?
Gold loan valuation is the process that is carried out at the lending bank’s branch by an authorised evaluator. The evaluator carries out the valuation of your gold and determines its market value. Based upon this valuation, the bank offers you the maximum loan amount you can avail and also quotes a rate of interest.
38. Personal loan or gold loan which is best?
Gold Loan is better in comparison to a Personal Loan for 3 major reasons.
- First, the Rate of Interest charged on a Gold Loan is much lower than the interest rate on a Personal Loan.
- Second, it is much faster to get money through a Gold Loan. From the time you walk into a branch, the total time required for getting your money transfered to your account is as low as 60 minutes.
- Third, Gold Loan eligibility is independend of your income and credit history, which means that anyone and everyone is eligible for a loan against gold irrespective of whether he or she is employed or not.
39. What is gold loan auditing?
Gold loan auditing is the verification process for a gold loan application with the lender. After applying for a gold loan the lender allots an auditor whose purpose is to verify the details of the applicant and decide whether the loan shall be processed or not.
40. How to calculate emi for gold loan?
To calculate emi for gold loan you need the following three parameters namely,
- P – principal loan amount,
- r – rate of interest per month, and
- n – loan tenure in months.
The formula used for calculating gold loan emi is, E = P x r x [((1+r)^n)/((1+r)^n)-1]
41. How to repay gold loan?
A gold loan can be repaid in the following ways. Regular EMI option in which the EMIs include both the principal and interest amount. You can also repay only the interest amount as EMI of your gold loan and the principal amount can be paid in full at the time of maturity.
One can also make partial payments of their interest and principal amount as and when they are able to. Another repayment option that banks provide is bullet repayment, in this you have to repay the entire amount including both the principal and the interest at the end of the loan’s term.
42. How much loan can I get on 10 grams of gold?
Depending upon the purity of gold a person can avail a loan amount between Rs.18,500 and Rs. 27,000 on 10 grams of gold.
43. When gold loan become NPA?
When a borrower fails to repay their gold loan for a long period of time, the lender marks it as an NPA, Non-Performing Asset. A lender would usually allow one or two slip ups in loan repayment but if it continues even after three consecutive months it is marked as NPA and bars the borrower from getting future loans.
44. What is LTV in gold loan?
LTV is Loan to Value Ratio, it is basically the amount of loan you can get against gold as a collateral. In India, LTV for gold loan is set at 75% by RBI for all the banking and non banking financial institutes. For example, if your gold is valued at Rs. 1 Lakh in the market then at 75% LTV you can avail a maximum loan amount of Rs. 75,000.
45. What is the interest rate for agriculture gold loan?
Agricultural gold loans start at an interest rate of 7% per annum. A person is required to present proof of agricultural land and cultivation along with the basic documents such as Aadhar Card and PAN Card that are required for a gold loan.
46. What is agri gold loan?
Agri gold loan is a gold loan for farmers that is available for agricultural purposes. The loan amount disbursed under agri gold loan can only be used for agricultural and allied activities. One has to present the proof of agricultural land and cultivation along with the basic documents required for a gold loan.
47. What is gold loan calculator?
Gold loan calculator is a tool used to calculate the worth of one’s gold and the loan amount they are eligible for based upon the weight and purity of their gold. It is a very basic tool to get an idea of how much loan a person can avail against their gold.
Table of Contents
- 0.1 What is Gold Loan?
- 0.2 How does Gold Loan work?
- 0.3 What is Gold Loan Interest Rate?
- 0.4 How to Calculate Gold Loan Interest Rate?
- 0.5 Gold Loan Interest Rate of Major Banks
- 0.6 On What Factors does the Gold Loan Amount Depend?
- 0.7 What are Different Gold Loan Schemes?
- 0.8 What are Gold Loan Repayment Schemes?
- 0.9 Gold Loan Per Gram
- 0.10 Who All Can Apply for Gold Loan?
- 0.11 What are the Documents Required for Gold Loan?
- 0.12 Does CIBIL Score Matter in Gold Loan?
- 0.13 Why Should One Apply for a Gold Loan?
- 0.14 Why Gold Loan Instead of Personal Loan or Business Loan?
- 0.15 Why Will Banks Provide a Loan To a Person With Poor Credit?
- 1 FAQ’s for Gold Loan
- 1.1 1. What is Gold Loan Interest Rate Formula?
- 1.2 2. How to pay Gold Loan Online?
- 1.3 3. How does Gold Loan Work?
- 1.4 4. Gold Loan is secured or not?
- 1.5 5. When you don’t repay a Gold Loan amount?
- 1.6 6. What is the best online platform to avail Gold Loan?
- 1.7 7. What is Gold Loan?
- 1.8 8. How to calculate Gold Loan interest rate formula?
- 1.9 9. How to get Gold Loan?
- 1.10 10. How to calculate Gold Loan interest?
- 1.11 11. How does Gold Loan work?
- 1.12 12. How to take Gold Loan?
- 1.13 13. What is Gold Loan interest rate?
- 1.14 14. How to get Gold Loan license?
- 1.15 15. Lowest Gold Loan interest rate in which bank?
- 1.16 16. How much Gold Loan can i get per gram?
- 1.17 17. Which bank is best for Gold Loan?
- 1.18 18. What is Gold Loan scheme?
- 1.19 19. What happens if Gold Loan is not paid?
- 1.20 20. How to calculate Gold Loan interest in excel?
- 1.21 21. Which Gold Loan is the best?
- 1.22 22. How is Gold Loan calculated?
- 1.23 23. How much Gold Loan can i get?
- 1.24 24. How to get a Gold Loan?
- 1.25 25. What is the procedure of gold loan?
- 1.26 26. What is gold loan definition?
- 1.27 27. Which bank gives highest gold loan?
- 1.28 28. What is gold loan overdraft?
- 1.29 29. How to calculate gold loan emi?
- 1.30 30. How to pay gold loan online?
- 1.31 31. Where to take gold loan?
- 1.32 32. How to renew gold loan?
- 1.33 33. Which bank has lowest interest rate for gold loan?
- 1.34 34. How to get loan against gold?
- 1.35 35. How to apply gold loan?
- 1.36 36. What is margin in gold loan?
- 1.37 37. What is gold loan valuation?
- 1.38 38. Personal loan or gold loan which is best?
- 1.39 39. What is gold loan auditing?
- 1.40 40. How to calculate emi for gold loan?
- 1.41 41. How to repay gold loan?
- 1.42 42. How much loan can I get on 10 grams of gold?
- 1.43 43. When gold loan become NPA?
- 1.44 44. What is LTV in gold loan?
- 1.45 45. What is the interest rate for agriculture gold loan?
- 1.46 46. What is agri gold loan?
- 1.47 47. What is gold loan calculator?