⍟  Lowest Interest Rate of 0.79% p.m.
⍟  Highest Rate Per Gram ₹ 5,121
⍟  No Melting of Your Gold
⍟  Get Loan in 1 Visit Only
⍟  100% Safety of Your Gold (kept in Bank Locker)

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Aditya Birla Gold Loan

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Aditya Birla Gold Loan Key Features – Apply Now

TATA Capital Gold Loan Interest Rate 7.0% per annum
TATA Capital Gold Loan Per Gram Rate Rate Per Gram is Rs. 5,121
TATA Capital Gold Loan Processing Fee Up to 0.23%, Maximum ₹ 20,381.
TATA Capital Gold Loan Maximum Loan Amount Up to Rs. 75 Lakh
TATA Capital Gold Loan Prepayment Charges 1%+ GST of the Loan Amount
TATA Capital Gold Loan Repayment Tenure Up to 36 months
TATA Capital Gold Loan Repayment Scheme Bullet Payment Scheme, Overdraft Scheme

About Aditya Birla Bank Gold Loan

Advantages of Aditya Birla Bank Gold Loan via Dialabank

Enjoy life to the fullest without worrying about the expenses. Get your happiness funded by Aditya Birla Finance personal loan. The company provides Gold for the amount ranging from INR 2,00,000 up to the maximum amount of INR 75,00,000. The interest is charged at the rate of 7% p.a. Prepayment of loan is not allowed till 6 months from disbursement. No processing fee is charged and no collateral is required to avail of the loan.

  • Aditya Bank Birla Gold Loan Interest Rate is 7% per annum
  • Aditya Bank Birla Gold Loan Per Gram Rate is ₹ 5,121.
  • Aditya Bank Birla Gold Loan Tenure is from a minimum of 6 months to 36 months
  • Aditya Bank Birla Gold Loan Processing Fee is Up to 1% + GST of the Loan Amount

How Much Gold Loan Can I Get Through Aditya Birla Gold Loan

According to the recent gold rates, Indian banks provide a gold loan of ₹ 5,121 per gram. Indian Bank Gold Loan Rate Per Gram Today is ₹ 5,121 for 22-carat adornments determined at the best LTV of 90% and normal gold loan costs of most recent 30 days in 2020 is ₹ 5,121 of 22 carats.

Aditya Birla Bank Gold Loan Per Gram – Updated January 2021

Updated - Gold Loan Per Gram Rate w.e.f 1st Jan 2021

Gold Weight Gold Purity
24 Carat
Gold Purity
22 Carat
Gold Purity
20 Carat
Gold Purity
18 Carat
1 gram 4680 4290 3900 3510
10 gram 46800 42900 39000 35100
20 gram 93600 85800 78000 70200
30 gram 140400 128700 117000 105300
40 gram 187200 171600 156000 140400
50 gram 234000 214500 195000 175500
100 gram 468000 429000 390000 351000
200 gram 936000 858000 780000 702000
300 gram 1404000 1287000 1170000 1053000
400 gram 1872000 1716000 1560000 1404000
500 gram 2340000 2145000 1950000 1755000

Why Choose Aditya Birla Bank Gold Loan?

So multiple banks and non-financial organizations provide a Gold Loan. Then why should you choose Indian Bank for a Gold Loan? Here are some reasons:

  1. High loan amount from a minimum in thousands to 1 crore.
  2. Quick processing.
  3. Bad credit history/ CIBIL score, not an issue.
  4. Instant processing and disbursal.
  5. The lowest interest rate.
  6. Minimum documentation required.
  7. Flexible repayment option.

Aditya Birla Bank Gold Loan Eligibility 

Gold Loan is a financial product provided by the bank which caters to your needs of short term or long term funds. It is easy to avail commercial service provided by banks at low rates of interest and also requires minimal documentation for the same. Indian Bank gives you the Loan amount within an hour of application as the valuation and approval process is quickly done, keeping in mind your urgency regarding the need for funds.

Gold loans are considered the easiest loans since they can be availed with minimum eligibility requirements. While the other loans restricted to occupation and credit score, gold loans can be availed by anyone. The general eligibility criteria to avail a gold loan is listed as follows:

  • The applicant must be aged above 18 years of age.
  • Gold loans can be taken by people of all occupations and even by unemployed people
  • The pledged gold must meet the purry mark of at least 18 karats of gold
  • The gold can be in the form of gold bars, coins, jewelry, or ornaments

Basic Eligibility Criteria for availing of an Aditya Birla Bank Gold Loan is:

Age Criteria 18 to 75 years
Gold Requirements Gold Ornaments (18-22 carats)
CIBIL Score Above 500
Nationality Indian

Documents Required for Aditya Birla Bank Gold Loan

Gold Loan or Loan Against Gold is a loan product offered to the borrowers by the Indian Bank wherein funds are provided for fulfilling the financial needs of the applicant. The gold ornaments of the applicant are kept as security by the bank in exchange for the funds. The entire Aditya Birla Bank Gold Loan process is hassle-free and easy to get with minimal documentation. The bank ensures the high security of your gold ornaments till the loan is closed.

Following are the documents:

Identity Proof Aadhaar Card/ Passport/ Voter ID (Anyone)
Residence Proof Aadhaar Card /Pan Card/ Ration Card/ Utility Bills on the name of the applicant/ Rental Agreement of applicant/ Voter ID card (Anyone)
Agriculture Proof ( if applicable) Agriculture Land Ownership Proof
Photographs 2 Passport sized (Coloured)

Aditya Birla Bank Gold Loan Interest Rate, Fees and Charges

A Gold Loan can fulfill all your urgent short term and long term monetary requirements. The rate of interest that you will be charged depends on the total loan amount as well as the quality/purity of the gold you are to keep as security with the bank. Gold Loan interest rates offered by the Indian Banks are lower in comparison to other loans because it is a fully secured loan.

Gold Loan Interest Rate  7.0% per annum
Pre-payment Charges 1% of the outstanding amount
Processing Fee up to 1%

Aditya Birla Bank Gold Loan Apply Online

Applying for an Aditya Birla Bank Gold Loan service is a simple and straightforward process that can be done for the comfort of your home. You can do this online by visiting the official website of the financial service provider and submitting the form with the required information about you and the Gold Loan you wish to receive. You will need to visit the branch with the required documents and your gold.

You can apply with a Dialafinancial service provider by following the steps below to get a Gold Loan according to your need.

  • Visit Dialafinancial service provider’s digital platform, where you will be able to complete the form without registration.
  • Our Relationship Manager will contact and assist you throughout the Gold Loan process and guide you in meeting your financial needs.
  • You will find a customized service, giving you the opportunity to compare and take the best deal depending on your needs at no additional cost.
  • With a Dialafinancial service provider, you can compare different offers and programs from different financial service providers based on the loans offered and the interest rate charged by choosing the best loan agreement.

How to Pay Your Aditya Birla Bank Gold Loan EMI?

Your development of Aditya Birla Bank Gold Loan can be restored in three different ways.

  1. Standing Instruction (SI): If you are the current owner of a record with Aditya Birla Bank Gold Loan, Stand Instruction is the best payment method. Your EMI amount will be charged automatically at the end of each monthly cycle from the Aditya Birla Bank Gold Loan account you display.
  2. Electronic Clearing Service (ECS): This method can be used if you have a non-Aditya Birla Bank Gold Loan account and you may require your EMI to be charged as a result until the end of the monthly cycle from this record.
  3. Post-Dated Checks (PDC): You can submit expired EMI checks from a non-Aditya Birla Bank Capital account to the nearest TATA Capital Loan branch. The new PDC layout must be installed on time. It would be good to note that Post Dated Checks will be collected at non-ECS locations.
 

Gold Ornaments Accepted by Aditya Birla Bank Gold Loan

Any Gold jewelry can be Gold Bangles, Gold rings, gold anklets, and Gold necklaces, all of these are accepted by receiving a Gold Loan.

Uses of Aditya Birla Bank Gold Loan

Proceeds from the acquisition of the Aditya Birla Bank Gold Loan service can be used for many purposes such as:

  • Funding any personal expenses such as marriage, travel, higher tuition fees, etc.
  • For all the needs of your business, such as buying raw materials, expanding the business, etc.
  • You can also get a Gold Loan for agricultural purposes. The financial service provider offers low-interest rates on Gold Loans for agricultural or joint ventures.

 

Aditya Birla Bank  Agricultural Jewel Loan Scheme

Scheme TATA Capital Agricultural Jewel Loan Scheme
Interest Rate  Starting from 7% (depends on the sum of the loan 
Least amount of Loan Depends on the value of  jewel which is being kept as security 
Loan period Adjustment of advance sum inside 2 months from the date of reap of yields

Benefits of Aditya Birla Bank Agricultural Jewel Loan Scheme

  • No processing fee up to ₹ 25,000.

  • 0.30% of the loan amount, Minimum payment of ₹ 300 applies to amounts ranging from ₹ 25,000 – less than l 5 lakh.

  • 0.28% of the total debt, subject to at least Rs.1500 applies to more than Rs.5 lakh yet less than Rs.1 crore.

Aditya Birla Bank Gold Loan Overdraft Scheme

Aditya Birla Bank Offers an Overdraft Scheme. It works like a Credit Card, where you can spend your Gold Loan Amount as you want anytime anywhere. The overall loan amount will have a Credit/Loan Limit. In the Aditya Birla Bank Gold Loan Overdraft facility, the bank charges interest only on the withdrawn amount.

Aditya Birla Bank Agriculture Gold Loan Interest Rate for Different Scheme

Aditya Birla Bankoffers gold development for horticultural needs under two different categories of Bumper Agri Jewel Loan and other Agri Jewel Loan. The financial costs for the two classes are shown as follows:

For Bumper Agri Jewel Loan For Other Agri Jewel Loan Products
Fixed: 8.50% starting from 11.50 %

FAQs About Aditya Birla Bank Gold Loan

What are the documents needed to profit from Aditya Birla Bank Gold Loan?

The rundown of records that should be submitted to profit the advance is referenced underneath:

  • Application form.
  • Evidence of address, for example, Driving License, Aadhaar Card, Passport, Voter ID, and so on
  • Evidence of personality, for example, Driving License, Aadhaar Card, Passport, PAN Card, Voter ID, and so on
  • Agribusiness land evidence in the candidate’s name.
  • Evidence that harvest will be developed.

Who can apply for the Aditya Birla Bank Gold Loan? 

Since the loan is given on agriculture, every farmer is instantly eligible for loan.

What are the primary highlights of the Agricultural Jewel Loan Scheme?

The fundamental highlights of the Agricultural Jewel Loan Scheme are referenced underneath:

  • No undisclosed charges
  • Gem appraiser and handling charges will be material
  • The rate of interest is low
  • The reimbursement plan is advantageous
  • The advance cycle is simple and bothers free

What is Aditya Birla Bank Gold Loan?

The Aditya Birla Bank gold loans are secured loans that come with quick disbursement to meet your urgent financial needs. Gold Loan from Aditya Birla Bank can be availed at attractive interest rates.

 How much Gold Loan Can I get per gram from Aditya Birla Bank Gold Loan?

You can avail of a Gold Loan of  ₹ 5,121 per gram from the Aditya Birla Bank, depending on the quality of your gold.

What is the gold loan interest rate in Aditya Birla Bank Gold Loan?

The rate of interest in the Indian Bank for Gold Loan starts at 7.0% per annum. This rate varies depending on the purity of gold and the loan amount to be disbursed.

How to check Aditya Birla Bank Gold Loan status in Aditya Birla Bank?

You can check your Aditya Birla Bank Gold Loan status online by visiting the Bank’s online portal and filling in the form your Gold Loan application details

What is the maximum gold loan amount I can avail on a gold loan from Aditya Birla Bank?

You can avail a maximum of up to 90% of the gold jewellery’s value from the Indian Bank.

What is the loan tenure of the Aditya Birla Bank Gold Loan?

The maximum tenure of your Aditya Birla Bank gold loan is up to 36 months.

 How much processing fee is applicable on Aditya Birla Bank Gold Loan?

Aditya Birla Bank charges a processing fee of up to 1% of the Loan Amount on their Gold Loan.

What are the charges for pre-payment of Aditya Birla Bank Gold Loan?

Aditya Birla Bank charges up to 1% of the outstanding loan amount as charges for prepayment of its gold loan.

How to renew Aditya Birla Bank Gold Loan online?

You can renew your Aditya Birla Bank Gold Loan online by simply logging into your i-mobile app account and renew your gold loan under the Gold Loan section by entering the loan account details.

How to pay Aditya Birla Bank Gold Loan interest online?

To repay the Aditya Birla Bank Gold Loan interest online you can use the payment options available on the bank’s website or can make your loan payments through net banking, debit cards, or through the i-mobile app.

 What if I can’t pay the interest on Aditya Birla Bank Gold Loan for 3 months?

If you fail to repay the Aditya Birla Bank Gold Loan amount, you will be first warned by the bank against making any more defaults. But if the defaults continue your gold jewelry kept as collateral might be sold off.

 How can I apply for EMI moratorium on Aditya Birla Bank Gold Loan?

You can apply for the Aditya Birla Bank Gold Loan moratorium online by logging in with your credentials or can also visit the bank personally. 

How to pay Aditya Birla Bank Gold Loan through credit card?

Paying Aditya Birla Bank gold loan through credit card is not allowed.

How much Gold Loan can I get per gram in Aditya Birla Bank Gold Loan?

The rate of Gold Loan per gram depends on the quality of your gold and the price of gold in the market. Indian Bank provides a 75-90% funding on the market price of the gold.

How to pay Aditya Birla Bank Gold Loan Gold Loan online?

You can pay for your Gold Loan from Aditya Birla Bank Gold Loan in easy monthly instalments or through post-dated cheques.

How to apply for Aditya Birla Bank Gold Loan?

Apply for Gold Loan with Aditya Birla Bank Gold Loan by visiting the branch and enquiring about the same with your banker. You can also apply online with Dialabank and get the offers and deals as per your needs.

How to renew Aditya Birla Bank Gold Loan online?

To renew your Gold Loan, you will be required to visit the loan branch with your loan documents and apply for a renewal. A renewal fee may be charged, and after revaluation of your gold, your loan will be renewed.

How to take Aditya Birla Bank Gold Loan?

You can take a Gold Loan from Aditya Birla Bank by visiting the branch with your Gold, Aadhar Card, and PAN Card. You may also apply online with Dialabank and look out for different options offered by banks across India.

How to get Aditya Birla Bank Gold Loan?

You can get a quick Gold Loan from Aditya Birla Bank by visiting the branch or through online inquiry at Dialabank’s digital platform.

How to check Aditya Birla Bank Gold Loan status?

Check your Gold Loan status by calling the Aditya Birla Bank in their customer care number. You may also visit the branch in person and ask your banker for any updates.

How to close Aditya Birla Bank Bank Gold Loan?

You can close your Aditya Birla Bank once you have paid all your pending dues. The bank after documentation will close your loan and return to you the gold that was pledged.

How to renew Aditya Birla Bank Gold Loan?

If you desire to renew your Gold Aditya Birla Bank, all you need to do is visit the branch with your documents and apply for a renewal. Your gold will be revalued, and new loan terms will be decided. After you pay a minimal renewal fee, your loan will be renewed for a new tenure.

What happens if someone defaults Aditya Birla Bank Gold Loan?

When you default on your Gold Loan, the bank will at first remind you of your pending dues. Then a legal notice is issued at your given address. On continuous defaulting, the bank gets the legal rights to sell your pledged gold to recover the entire sum overdue.

How many branches of Aditya Birla Bank Gold Loan?

Aditya Birla Bank is an Indian state-owned financial services company established in 1907 and headquartered in Chennai, India. It has nearly 3000 branches to meet your banking needs.

What is the Overdraft Scheme for Aditya Birla Bank Gold Loan?

Aditya Birla Bank does provide an Overdraft Scheme and the overall loan amount will have a Credit/Loan Limit. In the Aditya Birla Bank Gold Loan Overdraft facility, the bank charges interest only on the amount you withdraw/utilize.

What is the Aditya Birla Bank Gold Loan closure procedure?

Once the loan is paid, the bank will close your gold loan immediately. 

What is the Aditya Birla Bank customer care number?

The customer care number is 9878981144

✅ What is Aditya Birla Bank Gold Loan Preclosure charges?

There are no preclosure charges for the gold loan

What is the maximum gold loan tenure for Aditya Birla Bank Gold Loan?

The maximum gold loan tenure is 12 months

✅ What is the minimum gold loan tenure of the Aditya Birla Bank Gold Loan?

The minimum tenure is 3 months.

✅ What are the foreclosure charges in Aditya Birla Bank Gold Loan?

The bank charges a borrower up to .50% on the principal outstanding in case of a Gold Loan Foreclosure

 

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