Assam Gramin Vikash Bank Gold Loan

GOLD LOAN @ 0.57%*
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⍟  Highest Rate Per Gram
⍟  Lowest Interest Rate of 0.57% p.m.

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    Assam Gramin Vikash Bank Gold Loan

    Assam Gramin Vikash Bank Gold Loan Key Features – Apply Now

    Assam Gramin Vikas Bank Gold Loan Interest Rate Starting 7% per annum
    Assam Gramin Vikas Bank Gold Loan Rate Per Gram Rate Per Gram Today is ₹ 3,506 to ₹ 4,621
    Assam Gramin Vikas Bank Maximum Loan Amount Up to Rs. 10 lakhs
    Assam Gramin Vikas Bank Minimum Loan Amount 90% LTV on Your Gold Market Price
    Assam Gramin Vikas Bank Gold Requirement Minimum 18 Carat
    Assam Gramin Vikas Bank Gold Loan Processing Fee 1% of the Principal Loan Amount
    Assam Gramin Vikas Bank Prepayment Charges 2%+GST (Within 3 Months), 0 (After 3 months)
    Assam Gramin Vikas Bank Repayment Tenure 12 Months to 48 Months
    Assam Gramin Vikas Bank Gold Loan Schemes Bullet Payment Scheme, EMI Scheme

    Assam Gramin Vikas Bank Gold Loan Per Gram

    Assam Gramin Vikas 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

    About Assam Gramin Vikash Bank Gold Loan

     

    Assam Gramin Vikash Bank is a rural bank that was established in 2006. This bank was formed after the merger of Pragjyotish Gaonlia Bank, Lakshmi Gaonlia Bank, Cachar Gramin Bank, and Subansiri Gaonlia Bank. These 7 regional zones cover 413 branches. It is one of the leading banks of Assam to provide financial services to the people. assam gramin vikash bank gold loan

    Jewel Loan is a financial facility that provides help to customers in a time of financial crisis. It is a type of secured loan in which the loan amount depends upon the quality and quantity of the Gold Jewellery kept as security.

    Assam Gramin Vikash Bank Gold Loan Eligibility

    Being eligible for a gold loan is easier in comparison to other loans:

    Age 18-70 years of age
    Nationality Indian
    Employment Status
    Salaried, Self-Employed
    Gold Quality, Quantity
    Minimum 18 Carats, minimum 10 grams
    Requirements
    Gold ornaments (18-22 carats)
    CIBIL score Above 500

    Documents required for Assam Gramin Vikash Bank Gold Loan

    Photographs
    2 Passport-Sized latest coloured photos
    Identity Proof
    Aadhar Card, Passport, PAN Card, etc. (Only 1 is required)
    Residence Proof
    Aadhar Card, Driving License, Ration Card, etc. In the case of Rented House then the rent agreement or water/electricity bills for the last three months can be considered. (Only 1 is required)
    Agricultural Land Proof
    Required only if the Loan is taken for Agricultural Purpose. In the case of Agriculture Loan on the gold of more than Rs. 1 lakh there is no requirement of proof for allied agriculture purposes.
    Demand Promissory Note
    Certificate by the Jewel Appraiser (Bank will arrange)

    Assam Gramin Vikash Bank Gold Loan Interest Rate

     

    Gold Loan Rate 7% per annum
    Repayment Scheme
    Bullet Repayment Scheme, Overdraft Scheme
    Prepayment Charges 0 – 2 %.
    Service Charges variable
    Document Charges variable
    Gold Valuation Charges variable
    Processing Fee 0.85%.

    How Much Can I Get Through Assam Gramin Vikash Bank Gold Loan?

    Assam Gramin Vikash Bank Gold Loan Rates/ Gram
    Weight Loan on 18Cr Gold Loan on 20Cr Gold Loan on 22Cr Gold Loan on 24Cr Gold
    1 gm 2453 2735 3018 3300
    10 gms 24530 27350 30180 33000
    20 gms 49060 54700 60360 66000
    30 gms 73590 82050 90540 99000
    50 gms 122650 136750 150900 165000
    100 gms 245300 273500 301800 330000
    200 gms 490600 547000 603600 660000
    300 gms 735900 820500 905400 990000
    500 gms 1226500 1367500 1509000 1650000

    Why Choose Assam Gramin Vikash Bank Gold Loan?

    • No income and salary criteria- To begin, Gold loans do not require any qualifications for the income or salary of the person. So even if you are unemployed and unsalaried you can still avail of a gold loan. This is because you are pledging a valuable asset, gold in return of the money.
    • CIBIL Score: Secondly, Gold Loan is also available in case of a bad CIBIL Score or low-income level.
    • You need to repay only the interest- Thirdly, You have the option to pay only the gold loan interest rate online during the tenure of the entire gold loan and at the end of tenure, you can pay the entire borrowed amount in a single shot.
    • Total Convenience- Furthermore, The most convenient of all the loans is a gold loan because in this all you have to do is pledge your gold with a bank or a private finance institute and the work is done. You can get a loan up to 80% of its market value immediately.
    • Less processing time- Finally, No tedious and lengthy documentation is required in the case of gold loans, hence it can be resorted to in times of urgent needs. Banks take a few hours in the processing of the gold loan whereas some NBFC’s state that they only take a few minutes for the same task.
    • Foreclosure charges – Assam Gramin Vikas Bank charges about 0.50% of the principal amount as Foreclosure charges.

    Assam Gramin Vikash 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

    Uses of Assam Gramin Vikas Bank Gold Loan

    The funds acquired by availing the Assam Gramin Vikas Bank Gold Loan service can be used for a number of purposes such as:

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

    Assam Gramin Vikas Bank Agricultural Jewel Loan Scheme

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

    Benefits of Assam Gramin Vikas Bank Agricultural Jewel Loan Scheme

    • Assam Gramin Vikas Bank does not charge a huge 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

    Assam Gramin Vikas Bank Gold Loan Overdraft Scheme

    In Assam Gramin Vikas Bank Gold loan, the overdraft facility works as a Credit Card. The Gold Loan Amount can be spent as the borrower wants. The overall loan amount has a Credit/Loan Limit. The interest is charged only charged on the amount withdrawn/utilized.

    How to Apply for Assam Gramin Vikash Bank Gold Loan?

    • Visit Dialabank
    • Fill the Gold Loan form. We will need your details to shortlist the loan offers that fit best for you.
    • Our relationship manager will soon contact you.
    • With Dialabank, you can also avail of a doorstep document pick up facility.
    • For further assistance, call us at 9878981144

    Avail your Gold Loan with Dialabank and get personalized assistance

    FAQs About Assam Gramin Vikash Bank Gold Loan

    What is Assam Gramin Vikash Bank Gold Loan?

    Assam Gramin Vikash Bank Gold Loan is a facility given to the customers to fulfil the financial requirements of the borrower at a competitive rate of interest for a tenure of your choosing which can be used for any purpose other than speculative reasons.

    How much Gold Loan can I get per gram in Assam Gramin Vikash Bank?

    The per gram gold loan rates in Assam Gramin Vikash Bank depends on the rate of gold in the market and the quality of the gold that is to be pledged. The customers can avail of a loan amount up to 70% of the collateral value.

    What is the Gold Loan interest rate in Assam Gramin Vikash Bank?

    The rate of Interest charged on the Assam Gramin Vikash Bank Gold Loan depends upon the amount of the loan that is to be borrowed. It starts at 7% per annum. The rate of interest charged is lower in the case of a Gold Loan as it is a fully secured loan and the bank has no risk in lending it.

    How to pay Assam Gramin Vikash Bank Gold Loan online?

    You can repay the Assam Gramin Vikash Bank Gold Loan online using various convenient options given by the bank. Contact the customer care executive or loan officer for more details.

    How to apply for Gold Loan in Assam Gramin Vikash Bank?

    Applying for an Assam Gramin Vikash Bank gold loan is a hassle-free and easy process. You just need to visit the branch of the bank with your gold and documents or you can apply for it online through Dialabank. You don’t need any income proof to apply.

    How to renew Assam Gramin Vikash Bank Gold Loan online?

    The renewal process of the Assam Gramin Vikash Bank gold loan requires your presence in the bank branch. You need to carry all loan-related documents with you and get the gold revalued for renewal.

    How to take Gold Loan from Assam Gramin Vikash Bank?

    Taking a Gold Loan from Assam Gramin Vikash Bank is a convenient process.

    Just apply for the Assam Gramin Vikash Bank gold loan by visiting the nearest bank branch and get your gold evaluated. Accept the offer made by the banker and get quick disbursement of funds. You can do all this from the comfort of your home by applying through Dialabank.

    How to check Assam Gramin Vikash Bank Gold Loan status?

    Checking the status of your Assam Gramin Vikash Bank gold loan application can be done by visiting the home branch and contacting the loan officer associated with your file. You can also check it online by entering your loan application details. However, the loan is disbursed on the same day and checking the status is only required in a few rare cases.

    What happens if someone defaults Assam Gramin Vikash Bank Gold Loan?

    If someone defaults the repayment schedule for Assam Gramin Vikash Bank Gold Loan the bank charges a penalty fee from the borrower and also auctions off the gold for the recovery of the amount.

    ✅How can I apply for the EMI moratorium on the Assam Gramin Vikash Bank Gold loan?

    You can apply for an Assam Gramin Vikash Bank gold loan moratorium if you don’t want to start repaying right away. Apply for it through the bank’s official portal.

    What is the Overdraft Scheme for Assam Gramin Vikash Bank Gold Loan?

    Assam Gramin Vikash Bank’s Overdraft Scheme has a Credit/Loan Limit. The bank charges interest on the amount withdrawn/utilized.

    What is the Assam Gramin Vikash Bank Gold Loan closure procedure?

    The Gold loan will close after the payment is done in full.

    What is the Assam Gramin Vikash Bank customer care number?

    9878981144 is the customer care number

    ✅ What is Assam Gramin Vikash 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 48 months

    ✅ What is the minimum gold loan tenure for Assam Gramin Vikash Bank?

    The minimum gold loan tenure for Assam Gramin Vikash Bank is 12 months.

    What are the foreclosure charges in Assam Gramin Bank Gold Loan?

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

    Other Major Gold Loan Providers 

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