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    Assam Gramin Vikash Bank Agriculture Gold Loan

    Assam Gramin Vikash Bank Agriculture Gold Loan Features & Benefits

    Assam Gramin Vikash  Bank Agriculture Gold Loan  Today Gold Loan Rate Per Gram Today is ₹ 3,506 to ₹ 4,621
    Eligible Age 18 to 75 years
    Loan Amount Eligibility Rs. 1,000 to Rs. 2 Cr
    Documents Required Basic KYC documents for address and identity proof. No income documents and no CIBIL score documents are required.
    Purity of Gold 18 carat to 22 carat
    Type of Gold Gold jewellery and gold coins of 18-24 carats
    Loan to Value Ratio 25% of the gold ornament’s market value

     

    The Assam Gramin Vikash Bank Agriculture Gold Loan ranges from ₹ 3,506 to ₹ 4,621. The Loan to Value ratio for these Gold Loans are of 25% of the Gold Ornaments Market Value.

    Assam Gramin Vikash Bank Agriculture Gold Loan Calculator

    • You can avail Agriculture Gold Loan in Assam Gramin Vikash Bank.
    • The Agriculture Gold Loan Calculator has many factors like the Gold Loan Purity, Gold Prices.
    • The Prices of the Gold Loans depends on the Gold loan Purity. The purity of the Gold ranges from 18-24 carat Gold.
    • Based on the Purity of the Gold you can avail the Highest Gold Loan Calculators in all the banks. The Price of these Gold Loans ranges from 4141 to 2121.
    • And the Loan to Value Ratio is also used in the Gold Loan Calculators. The Loan to Value Ratio is of 25-75% in the Gold Loan Calculators of the Assam Gramin Vikash Bank.

    Assam Gramin Vikash Bank Agriculture Gold Loan Eligibility

    Salaried Individual Age – 21 years to 60 years
    Net Monthly Income – Minimum ₹ 20,000
    Employment Duration – 1-year minimum
    Income Eligibility – Based on Form 16 and salary slip
    Self-Employed Individuals Age – 21-65 years of age
    Minimum ITR  – Rs.2 lakh
    Employment Duration – Minimum 3 years
    Income Eligibility – Depends on the latest Income Tax Returns
    Self-Employed Non-Individuals (Company/Partnership) Minimum ITR  – Rs. 2 lakh
    Employment Duration – 3 years minimum
    The applicant has to present IT returns and audited financials of 2 years with Calculated Income.
    Priority Customers At least 6-month vintage
    Average Quarterly Balance – 2 quarters balance at a minimum of Rs.1 lakh
    Maximum Loan Amount –  3 times the Average Quarterly Balance of the last 2 Quarter

    Documents Required for Assam Gramin Vikash Bank Agriculture Gold Loan

    Category Documents Required
    Identity Proof

     

    (Any 1)

    Passport
    Voter ID
    Aadhar Card
    Driving License
    Address Proof

     

    (Any 1)

    Aadhar Card
    PAN
    Driving License
    Electricity Bill
    Date of Birth Proof

     

    (Any 1)

    Passport
    Birth Certificate
    High School Marksheet
    Driving Licence
    Signature Proof

     

    (Any 1)

    PAN
    Bankers Verification
    Passport
    Income Proof Salary Slip and latest Form No.16
    Bank Statement Last 6 month Bank statement
    Employment Continuity Proof Job card by NREGA
    ITR of Form no. 16
    Salary Slip mentioned with joining date
    Letter of Appointment

    Assam Gramin Vikash Bank Agriculture Gold Loan Rate Per Gram by Gold Purity

    Gold Purity Gold Rate Per Gram- Average Of Past 30 Days Highest Gold Loan Per Gram Lowest Gold Loan Per Gram
    22 carat ₹ 4,620 ₹ 4,999 ₹ 4,956
    20 carat ₹ 3,939 ₹ 4,178 ₹ 3,795
    18 carat ₹ 3,545 ₹ 3,784 ₹ 3,460

    The above table shows the method by which Banks will calculate your per gram gold loan for gold of varying purity.

    • Gold loan per gram offer for 22-carat jewelry will be between ₹ 4,620 to ₹ 4,956
    • Gold loan per gram offer for 20-carat jewelry will be between ₹ 3,795 to ₹ 4,178
    • Gold loan per gram offer for 18-carat jewelry will be between ₹ 3,460 to ₹ 3,784

    The above table shows the Gold Loan Per Gram Rates By using Gold Purity in Assam Gramin Vikash Bank.

    Assam Gramin Vikash Bank  Agriculture Gold Loan Interest Rates Per Gram

    The following table shows the Gold Loan Interest Rates per Gram in Assam Gramin Vikash Bank- Updated Jun 17 2021

    Updated - Gold Loan Per Gram Rate w.e.f Jun 17 2021

    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

    Historical Gold Loan Rates Per Gram

    The following table shows the Historical Gold Loan Rates Per Gram

    This Table Contains the Average Annual Gold Rate from 1964 - 2021
    Year Price (24 karat per 10 grams) Year Price (24 karat per 10 grams)
    1964 ₹ 63.25 1993 ₹ 4,140.00
    1965 ₹ 71.75 1994 ₹ 4,598.00
    1966 ₹ 83.75 1995 ₹ 4,680.00
    1967 ₹ 102.50 1996 ₹ 5,160.00
    1968 ₹ 162.00 1997 ₹ 4,725.00
    1969 ₹ 176.00 1998 ₹ 4,045.00
    1970 ₹ 184.00 1999 ₹ 4,234.00
    1971 ₹ 193.00 2000 ₹ 4,400.00
    1972 ₹ 202.00 2001 ₹ 4,300.00
    1973 ₹ 278.50 2002 ₹ 4,990.00
    1974 ₹ 506.00 2003 ₹ 5,600.00
    1975 ₹ 540.00 2004 ₹ 5,850.00
    1976 ₹ 432.00 2005 ₹ 7,000.00
    1977 ₹ 486.00 2006 ₹ 8,400.00
    1978 ₹ 685.00 2007 ₹ 10,800.00
    1979 ₹ 937.00 2008 ₹ 12,500.00
    1980 ₹ 1,330.00 2009 ₹ 14,500.00
    1981 ₹ 1,800.00 2010 ₹ 18,500.00
    1982 ₹ 1,645.00 2011 ₹ 26,400.00
    1983 ₹ 1,800.00 2012 ₹ 31,050.00
    1984 ₹ 1,970.00 2013 ₹ 29,600.00
    1985 ₹ 2,130.00 2014 ₹ 28,006.50
    1986 ₹ 2,140.00 2015 ₹ 26,343.50
    1987 ₹ 2,570.00 2016 ₹ 28,623.50
    1988 ₹ 3,130.00 2017 ₹ 29,667.50
    1989 ₹ 3,140.00 2018 ₹ 31,438.00
    1990 ₹ 3,200.00 2019 ₹ 35,220.00
    1991 ₹ 3,466.00 2020 ₹ 48,651.00
    1992 ₹ 4,334.00 2021 ₹ 50,045.00

    Major Banks Agriculture Gold Loan Per Gram Rate Comparison

    Feature
    HDFC Bank
    ICICI Bank
    Muthoot Finance
    Interest Rate
    9.50% onwards
    10.50%
    12%
    Min Loan Amt
    Metro : 25000, Non : 15000
    25000
    15000
    Max Loan Amt
    1 Cr
    1 Cr
    1 Cr
    Loan Tenure
    3 months to 24 months
    9 months to 24 months
    1 month to 24 months
    Processing Fee
    0.25% to 1.50% of the Loan Amt
    0.25% to 1.50%
    Nil
    Preclosure Chgs
    2%, Nil foreclosure charges after 3 months
    2%, Nil foreclosure charges after 9 months
    Nil
    Overdraft Facility
    Yes
    Yes
    Yes
    Pay Only Interest Facility
    Yes
    Yes
    Yes
    Gold Rate Per Gram
    3,066
    3,073
    3,073

    Tips to Get The Highest Agriculture Gold Loan Amount from Assam Gramin Vikash Bank

    • The factors that affect the Highest Agriculture Gold Loan Amount from Assam Gramin Vikash Bank are Gold Loan Purity.
    • Gold Loan Purity is one of the most important things in Banks.
    • Based on the Gold Loan Purity you can avail of the Highest Gold Loan Amount.
    • Gold Price ranges from 4141 to 2121. This Loan to Value Ratio is also used for the Gold Loan Amount.
    • The Gold should not have Gems and Stones. Based on these Gems and Stones the Banks reduces the Gold Loan Amount.