⍟  Lowest Interest Rate of 0.79% p.m.
⍟  Highest Rate Per Gram ₹ 4,680
⍟  No Melting of Your Gold
⍟  Get Loan in 1 Visit Only
⍟  100% Safety of Your Gold (kept in Bank Locker)

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Andhra Pragathi Grameena Bank Gold Loan

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Andhra Pragathi Grameena Bank Key Features – Apply Now

Andhra Pragathi Grameena Bank Collateral Gold ornaments
Andhra Pragathi Grameena Bank Gold Loan per gram Rs. 3,435 to Rs. 4,580 depending on the purity of gold
Andhra Pragathi Grameena Bank Age of Borrower 18 – 75 years
Andhra Pragathi Grameena Bank Maximum Loan Amount Up to 20 lakh
Andhra Pragathi Grameena Bank Maximum Loan to Gold Value Ratio Up to 75%
Andhra Pragathi Grameena Bank purity of Eligible gold 18 carat to 22-carat gold
Andhra Pragathi Grameena Bank Maximum Loan Tenure Up to 36 months

Advantages of Andhra Pragathi Grameena Bank Gold Loan

Advantages of Andhra Pragathi Grameena Bank Gold Loan via Dialabank

Fewer Documents: Document requirements for availing an Andhra Pragathi Grameena Bank Gold Loan Bank are quite less. The applicants are not asked to provide lengthy proofs in order to avail the financial service.

Easily Accessible: Another feature is, Availability of Andhra Pragathi Grameena gold loan service is great. People can easily avail gold loan at their closest branches.

CIBIL Score: In addition to this, Credit Score does not matter in this service, that is, the applicant does not have to worry about low credit repayment history. In fact, if anybody is having a bad repayment history, they can improve the same by taking a Andhra Pragathi Grameena Bank Gold Loan.

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

How Much Loan Can I Get Through Andhra Pragathi Grameena Bank?

Updated - Gold Loan Per Gram Rate w.e.f Apr 16 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

About Andhra Pragathi Grameena Bank Gold Loan

Andhra Pragathi Grameena Bank Gold Loan

Andhra Pragathi Grameena Bank is a rural bank in the state of Andhra Pradesh. According to, the Regional Rural Banks Act of 1976, It was founded in 2006 as a Scheduled Commercial Bank. In order to provide people with loan services in rural areas like Rayalaseema and Coastal Andhra regions.

Gold Loan is a secured service in which you can use ornaments of gold in order to avail a loan. In this, The bank keeps your gold as security in the bank in return of cash. Therefore, if you are facing any financial problem you can avail a Gold Loan.

Andhra Pragathi Grameena Bank Gold Loan Eligibility

Age 18-75 years
Requirements Gold ornaments (18-22 carats)
CIBIL score Above 500
Nationality  Indian

Andhra Pragathi Grameena Bank Gold Loan Documentation

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


gold loan at 7%

हिंदी में पढ़े | தமிழில் படியுங்கள்

Andhra Pragathi Grameena Bank Gold Loan Interest Rates, Fees and Charges

Gold Loan Rate 7.00%
Processing Fee 0.85% of the loan amount + GST
Loan to Gold value Up to 75%
Pre-payment Charges 0- 2%

Types of Andhra Pragathi Grameena Bank Gold Loan 

  • The agricultural loan provided to farmers for agricultural purposes at a special rate of interest.
  • Non- agricultural purpose loan against gold provided to individuals for all kinds of purposes except agricultural purpose. The rate of interest is slightly higher.

Andhra Pragathi Grameena Bank Gold Loan Apply Online

  • Visit Dialabank
  • Fill the Gold Loan form
  • Wait for our relationship manager to contact you with the best offers.

Andhra Pragathi Grameena Bank Gold Loan EMI Calculator

Rate of Interest 6 months 1 Yr 2 Yrs 3 Yrs
7.00% 17008 8652 4477 3088
8.00% 17058 8699 4523 3134
8.50% 17082 8722 4546 3157
9.00% 17107 8745 4568 3180
9.50% 17131 8678 4591 3203
10.00% 17156 8791 4614 3227
10.50% 17181 8815 4637 3250
11.00% 17205 8838 4661 3274
11.50% 17230 8861 4684 3298
12.00% 17254 8885 4707 3321
12.50% 17279 8908 4731 3345
13.00% 17304 8932 4754 3369
13.50% 17329 8955 4778 3393
14.00% 17354 8979 4801 3418
14.50% 17378 9002 4825 3442
15.00% 17403 9026 4845 3466


gold loan at 7%

हिंदी में पढ़े | தமிழில் படியுங்கள்

How to Pay Your Andhra Pragathi Grameena Bank Gold Loan EMI?

Your Andhra Pragathi Grameena Bank gold loan can be repaid in the following ways:

  1. Standing Instruction (SI): If you are a current record holder with the Andhra Pragathi Grameena Bank, Standing Instruction is the best method of repayment.
  2. Electronic Clearing Service (ECS): This can be utilised if you have a non-Ujivan Small Finance Bank account and might want your EMIs to be charged consequently.

Andhra Pragathi Grameena Bank Gold Loan Contact Number

For any assistance in case of a gold loan from Andhra Pragathi Grameena Bank required you may contact on the number 9878981144.

Gold Ornaments Accepted by Andhra Pragathi Grameena Bank

Gold jewellery in any form like Gold Bangles, rings, anklets, and Gold necklaces, are accepted for availing an Andhra Pragathi Grameena Gold Loan provided they are between 18-24 carats.

Uses of Andhra Pragathi Grameena Bank Gold Loan

The loan amount acquired by availing the Andhra Pragathi Grameena Bank Gold Loan service can be used for several purposes such as:

  • To finance personal expenses like a wedding, travel, medical bills, etc.
  • For all your business financial requirements, such as buying raw material, inventory, etc.

gold loan at 7%

हिंदी में पढ़े | தமிழில் படியுங்கள்

Andhra Pragathi Grameena Bank Agricultural Jewel Loan Scheme

Scheme  Andhra Pragathi Grameena Bank 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 the 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 Andhra Pragathi Grameena Bank Agricultural Jewel Loan Scheme

  • No processing fee is required for up to ₹ 25,000.
  • 0.30% of the total loan amount, ₹ 300 down payment applies to amounts ranging from ₹ 25,000.
  • 0.28% of total debt, subject to at least Rs.1500 applies to more than Rs.5 lakh yet less than Rs.1 crore.

Andhra Pragathi Grameena Bank Gold Loan Overdraft Scheme

Andhra Pragathi Grameena Bank offers an Overdraft Scheme. With this, the loan amount is provided as an overdraft facility. It functions as a Credit Card, where you can spend your Gold Loan Amount as per your wishes, anytime anywhere. The overall loan amount will have a Credit/Loan Limit. In the Andhra Pragathi Grameena Bank Gold Loan Overdraft facility, the bank charges interest only on the amount you withdraw/utilize.

FAQs About Andhra Pragathi Grameena Bank Gold Loan

 What is Andhra Pragathi Grameena Bank Gold Loan?

Andhra Pragathi Grameena Bank will provide you up to ₹20 Lakhs Bank will accept gold in all forms with purity 18 karat to 22 karats at a competitive Gold Loan Interest Rate and tenure of maximum of 24 months. This loan can be used for solving any monetary issues faced by the borrower.

 How can I get Gold Loan from Andhra Pragathi Grameena Bank?

You can avail Gold Loan from the Andhra Pragathi Grameena Bank is a hassle-free and straightforward process:

  • Fill in your vital information in the form available on Dialabank.
  • Our trained Relationship Manager will get in touch with you within 30 minutes.
  • We will suggest you the loan according to your personal requirements, in your specific city.
  • Visit the assigned branch of the bank.
  • Get the loan sanctioned in just 30 minutes.

 How does Andhra Pragathi Grameena Bank Gold Loan work?

The Andhra Pragathi Grameena Bank Gold Loan is a secure credit availing service available for those who have urgent cash requirements and can pledge gold ornaments as collateral security. Once the gold pledged with the bank is valued, the bank processes the loan amount in your indicated account immediately. Various repayment options are available for repaying the loan.

 What is the Gold Loan interest rate in Andhra Pragathi Grameena Bank?

The rate of interest depends on the total amount of the loan and the purpose of the loan. Andhra Pragathi Grameena Bank Gold Loan rate of interest begins from 7% per annum.

 What is the maximum loan amount I can avail on Gold Loan from Andhra Pragathi Grameena Bank?

You can get a maximum amount of Rs 1 crore on an Andhra Pragathi Grameena Bank Gold Loan as the bank offers around 75% of the gold ornaments’ market value.

 What is the loan tenure of Andhra Pragathi Grameena Bank Gold Loan?

The maximum tenure of your Andhra Pragathi Grameena Bank Gold Loan is up to 36 months. However, you’ll be required to renew your loan plan after a year.

✅ How much Processing Fee is applicable on Andhra Pragathi Grameena Bank Gold Loan?

A processing fee of up to 1% of the loan amount or ₹1000 whichever is higher is charged.

 How to pay Andhra Pragathi Grameena Bank Gold Loan Interest online?

The bank provides various methods to pay the loan amount such as a Standing Instruction or an ECS. For mo contact the customer care executive of the bank or visit the branch directly.

 What if I can’t pay the interest on Andhra Pragathi Grameena Bank Gold Loan for 3 months?

If someone defaults on the payments of Andhra Pragathi Grameena Bank Gold Loan interest for 3 months, a penalty fee is charged on the total amount due and in case of repeated defaults, the bank will have the authority to auction your gold ornaments to recover the amount publicly.

 How can I apply for EMI Moratorium on Andhra Pragathi Grameena Bank Gold Loan?

You can apply for the Andhra Pragathi Grameena Bank Gold Loan moratorium online by logging in with your credentials or by personally visiting the main branch. The moratorium request has to be submitted at least five working days before the due date of your EMI.

What is the Overdraft Scheme for Andhra Pragathi Grameena Bank Gold Loan?

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

What is the Andhra Pragathi Grameena Bank Gold Loan closure procedure?

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

What is the Andhra Pragathi Grameena Bank customer care number?

The customer care number for Andhra Pragathi Grameena Bank is 9878981144.

✅ What is Andhra Pragathi Grameena Bank Gold Loan Preclosure charges?

The preclosure charges are decided from time to time by the bank.

 What is the maximum gold loan tenure?

The maximum gold loan tenure for Andhra Pragathi Grameena Bank is up to 36 months

What is the minimum gold loan tenure?

The maximum gold loan tenure for Andhra Pragathi Grameena Bank 12 months

✅ What are the foreclosure charges of the Andhra Pragathi Grameena Bank Gold Loan?

Andhra Pragathi Grameena Bank charges an interested borrower up to .50% on the principal amount in case of a Gold Loan Foreclosure.

Major Gold Loan Providers 

 

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