Arunachal Pradesh Rural Bank Gold Loan

AT 0.49%* INTEREST RATE
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    Arunachal Pradesh Rural Bank Gold Loan

    Arunachal Pradesh Rural Bank Gold Loan Key Features – Apply Now

    Arunachal Pradesh Rural Bank Gold Loan Interest Rate Starting 5.88% per annum 
    Arunachal Pradesh Rural Bank Gold Loan Rate Per Gram Rate Per Gram Today is  ₹ 2,900 to ₹ 3,450
    Arunachal Pradesh Rural Bank Gold Requirement Minimum 18 Carat
    Arunachal Pradesh Rural Bank Gold Loan Processing Fee 1% of the Principal Loan Amount
    Arunachal Pradesh Rural Bank Minimum Loan Amount 90% LTV on Your Gold Market Price
    Arunachal Pradesh Rural Bank Maximum Loan Amount Up to Rs. 50 lakh
    Arunachal Pradesh Rural Bank Prepayment Charges 1%+GST 
    Arunachal Pradesh Rural Bank Repayment Tenure 6 Months to 36 Months
    Arunachal Pradesh Rural Bank Gold Loan Schemes Bullet Payment Scheme, EMI Scheme

    Arunachal Pradesh Rural Bank Gold Loan Advantages

     

    • Less Documentation Process – Firstly, Documentation requirements for availing a Gold Loan from Chaitanya Godavari Grameena Bank are quite less. The applicants are not asked to provide lengthy proof to avail of the financial service.
    • Easy to get – Another feature is, Availability of Chaitanya Godavari Grameena Bank Gold Loan service is excellent. That is, people can easily avail of a gold loan at nearby branches. It is not tough to find a nearby branch.
    • 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. If anybody has a bad repayment history, they can improve the same by taking a Gold Loan.
    • Processing Fees – Furthermore, Chaitanya Godavari Grameena Bank does not charge any processing cost for a loan application. Most of the banks charge a fee, but in the case of this company, there are no charges of availing of a Gold Loan.
    • Tenure – Also, Chaitanya Godavari Grameena Bank Bank provides a flexible period of the loan. It starts at one year and can go up to 1 year.
    • Safety – Moreover, the protection of ornaments is the responsibility of the bank. That is, the applicant does not have to worry about the ornaments they have deposited.
    • Simple Process – Last but not least, the system of this service is very transparent. That is, Chaitanya Godavari Grameena Bank does not hide anything from the customers.
    • Foreclosure charges – The bank charges about 0.5% of the principal amount as foreclosure charges.

    How many loans Can I Get through Arunachal Pradesh Rural Bank Gold Loan?

    Arunachal Pradesh Rural Bank offers gold loan of 5,340 in grams according to the latest gold prices. 
    Today‘s highest Arunachal Pradesh Rural Bank Gold Loan rate per Gram amount is 5,340 for 22-carat jewellery estimated at a maximum LTV of 75 per cent and the sales prices of the last 30 days in 2022 are 5,340 for 22 carats.
     

    Arunachal Pradesh Rural Bank Gold Loan Rate Per Gram

    Updated - Gold Loan Per Gram Rate w.e.f May 28 2022

    Gold Weight Gold Purity
    24 Carat
    Gold Purity
    22 Carat
    Gold Purity
    20 Carat
    Gold Purity
    18 Carat
    1 gram 4621 4290 3900 3510
    10 gram 46210 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

     

    Arunachal Pradesh Rural 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

    How to Pay Your Arunachal Pradesh Rural Bank Gold Loan EMI?

    Your Arunachal Pradesh Rural Bank gold advance can be reimbursed in the following three different ways.

    1. Standing Instruction (SI): For Arunachal Pradesh Rural Bank users.
    2. Electronic Clearing Service (ECS): For Non-Arunachal Pradesh Rural Bank users.
    3. Post-Dated Checks (PDC): You can submit post-dated EMI checks from a non-Arunachal Pradesh Rural Bank account at your closest Arunachal Pradesh Rural Bank Loan Center.

    Arunachal Pradesh Rural Bank Gold Loan Contact Number

    For any sort of assistance regarding the Arunachal Pradesh Rural Bank gold loan, you can contact us on the number 9878981144.

    Gold Ornaments Accepted by Arunachal Pradesh Rural Bank

    Gold jewellery of 18-24 carats such as Gold Bangles, Gold rings, Gold anklets, and Gold necklaces, all of which are accepted for availing a Gold Loan.

    Uses of Arunachal Pradesh Rural Bank Gold Loan

    The funds acquired by availing the Arunachal Pradesh Rural Bank Gold Loan service can be used for several purposes such as:

    • To finance any personal expenses such as a wedding, travel, payment of higher education fees, etc.
    • For all your business needs, such as buying raw material, expansion of business, etc.
    • You can also avail a Gold Loan for agricultural purposes. The bank offers lower rates of interest for Gold Loans that are used for agriculture or allied activities.

    Arunachal Pradesh Rural Bank Agricultural Jewel Loan Scheme

    Scheme Agricultural Jewel Loan Scheme
    Interest Rate  Starting at 7%
    Least amount of Loan Depends on the value of the jewel
    Loan period Adjustment of advance sum inside 2 months from the date of reap of yields

     

    GOLD LOAN @ 0.49%*

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    Benefits of Arunachal Pradesh Rural Bank Agricultural Jewel Loan Scheme

    • The Bank charges a minimal processing fee.
    • For 0.30% of the loan amount, a Minimum of ₹ 300 is charged ranging from more than ₹25,000 – less than ₹ 5 lakh.
    • 0.28% of the credit sum, subject to at least Rs.1,500 applicable on more than Rs.5 lakh and less than Rs.1 crore.

    Arunachal Pradesh Rural Bank Gold Loan Overdraft Scheme

    The overdraft facility works as a Credit Card and the Gold Loan Amount is used as per the choice of the borrower. The total loan amount has a Credit Limit and the interest is charged on the amount that is used.

    FAQs About Arunachal Pradesh Rural Bank Gold Loan

    ✅ What is Arunachal Pradesh Rural Bank Gold Loan?

    Arunachal Pradesh Rural Bank provides Gold Loan to people aged 18-70 years at attractive interest rates depending on the amount to be sanctioned and the quality of your gold. Arunachal Pradesh Rural Bank gives gold loans starting from Rs 25000 to a maximum of Rs 25 lakhs with a tenure commencing up to 36 months.

    ✅ How can I get the Gold Loan from Arunachal Pradesh Rural Bank?

    You can get a gold loan from Arunachal Pradesh Rural Bank by either personally visiting any of the branches near you or you can apply online with Dialabank by simply filling a form online. Once your documentation is verified the loan amount will be disbursed to the account.

    ✅ How much Gold Loan can I get per gram in Arunachal Pradesh Rural Bank?

    The per gram Gold Loan amount is Rs 5,340 and varies depending on the purity of your gold ornaments (18Cr to 22Cr). It varies per gram of gold.

    ✅ How does Arunachal Pradesh Rural Bank Gold Loan work?

    Once the borrower pledges his gold with Arunachal Pradesh Rural Bank and fulfils the documentation required, the loan amount is instantly disbursed in his account.

    ✅ What is Gold Loan Interest Rate in Arunachal Pradesh Rural Bank?

    The gold loan interest rate in Arunachal Pradesh Rural Bank starts at 7.0% per annum.

    ✅ How to check Gold Loan status in Arunachal Pradesh Rural Bank?

    To check your gold loan status in Arunachal Pradesh Rural Bank just follow the steps given below:

    • Visit the Arunachal Pradesh Rural Bank web page.
    • Fill in your personal details and unique credentials to log in.
    • Track the status of your loan application.

    ✅ How to calculate Gold Loan Interest in Arunachal Pradesh Rural Bank?

    You can calculate the Interest rates on gold loan your Arunachal Pradesh Rural Bank Loan by simply subtracting the borrowed amount from the payable loan amount.

    ✅ What is the maximum loan amount I can avail myself on Gold Loan from Arunachal Pradesh Rural Bank?

    You can avail a Gold Loan of up to Rs 1 crore from Arunachal Pradesh Rural Bank provided you fulfill the eligibility requirements.

    ✅ What is the loan tenure of the Arunachal Pradesh Rural Bank Gold Loan?

    The tenure for which the Arunachal Pradesh Rural Bank Gold loan is available is from 6 months to 60 months.

    ✅ How much Processing Fee is applicable on Arunachal Pradesh Rural Bank Gold Loan?

    The processing fee applicable on Arunachal Pradesh Rural Bank Gold Loan is 1.5% % of the loan amount.

    ✅ What are the charges for Prepayment in Arunachal Pradesh Rural Bank Gold Loan?

    The prepayment charges in Arunachal Pradesh Rural Bank Gold loan is 0-2% of the outstanding loan amount.

    ✅ How to renew Arunachal Pradesh Rural Bank Gold Loan Online?

    To renew the Arunachal Pradesh Rural Bank loan against gold online you will have to apply for the same on Arunachal Pradesh Rural Banks’ portal.

    ✅ How to Pay Arunachal Pradesh Rural Bank Gold Loan Interest Online?

    You can pay the Arunachal Pradesh Rural Bank loan amount online using any of the modes available like e-wallets, net banking, m-banking, debit cards etc.

    ✅ What if I can’t pay the interest on Arunachal Pradesh Rural Bank Gold Loan for 3 months?

    If you cannot pay your Arunachal Pradesh Rural Bank gold loan amount for 3 months the bank will warn you to repay the loan amount on time. If, in case you continuously make loan defaults the bank will have all rights to sell your gold ornaments pledged.

    ✅ How can I apply for EMI Moratorium on Arunachal Pradesh Rural Bank Gold Loan?

    You can apply for the Arunachal Pradesh Rural Bank gold loan either by visiting the branch personally and filling the form for the same or can also apply online on Arunachal Pradesh Rural Bank’s website by logging in with your credentials.

    ✅ How to pay Arunachal Pradesh Rural Bank Gold Loan through Credit Card?

    Paying Arunachal Pradesh Rural Bank gold loan through credit card is not possible and authentic as per the RBI guidelines.

    What is the Overdraft Scheme for Arunachal Pradesh Rural Bank Gold Loan?

    Arunachal Pradesh Rural Bank’s Overdraft Scheme has a Credit/Loan Limit. The bank charges interest on the amount withdrawn/utilized.

    What is the Arunachal Pradesh Rural Bank Gold Loan closure procedure?

    The Jewel loan can only be closed after the payment is done in full.

    What is the Arunachal Pradesh Rural Bank customer care number?

     9878981144 is the customer care number

    ✅ What is Arunachal Pradesh Rural Bank Gold Loan Preclosure charges?

    The Bank preclosure charges are 2%+GST (Within 3 Months), 0 (After 3 months)

     What is the maximum gold loan tenure?

    The maximum gold loan tenure is 36 months

    ✅ What are Arunachal Pradesh Rural Bank Gold Loan Foreclosure charges?

    Up to 0.50% of the principal amount are Foreclosure charges.

     What is the minimum gold loan tenure?

    The minimum gold loan tenure is 6 months.

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