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    AU Small Finance Bank Gold Loan Per Gram

    AU Small Finance Bank Gold Loan Per Gram Today is ₹ 3,506 to ₹ 4,621

    AU Small Finance Bank Gold Loan Per Gram 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 25% of the gold ornament’s market value

    The AU Small Finance Bank Gold Loan is help offered by the bank that permits clients to utilize the gold they own to apply for a gold credit to meet their monetary requirements. The AU Small Finance Bank enjoys numerous benefits just as a low-loan fee.

    AU Small Finance Bank Gold Loan Calculator                    AU Small Finance Bank Gold Loan            

    • Righteousness and netload of gold utilized in enhancements: Gold utilized in pearls should be someplace within the scope of 18 and 24 carats unadulterated. to find out internet weight, the AU Small Finance Bank will remove the greatness of jewels and stones from the hard and fast weight of the diamonds.
    • AU Small Finance Bank will build the faultlessness and netload of gold in your enhancements by the expense of gold to settle on its worth. The Federal Reserve Bank of India has incited Indian banks to use the 30-day ordinary expense of 22-carat gold, adjusted to goodness.
    • AU Small Finance Bank can change the worth of gold on the off chance that its 20-carat by using the 30-day ordinary of 22-carat gold expanded by an element of 20/22. AU Small Finance Bank will change the worth of gold on the off chance that it’s 20-carat righteousness. You can now check the latest gold rate at Dialabank.
    • Credit to Value Ratio: After choosing the worth of your pearls, AU Small Finance Bank will use an LTV of up to 75% to settle on your capability for a diamond advance. AU Small Finance Bank will offer you a lower financing cost on the off chance that you simply can take a development aggregate that may not by and enormous your most noteworthy LTV.

    AU Small Finance Bank Rate Per Gram by Gold Purity

    AU Small Finance Bank Gold Loan chart under shows an appraisal of the gold development per gram that AU Small Finance Bank would give against gold enhancements of various righteousness levels at a most limit LTV of 75% and a lower LTV of 65%.

    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

    AU Small Finance Bank Gold Loan Rates Per Gram

    The following table shows AU Small Finance Bank Loan Rates per gram – 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 

    Indians are among the world’s driving purchasers of gold. Indians will generally purchase gold since it’s viewed as a ‘got’ hypothesis. Financial supporters study the business territories at changes in costs, which direct interest. License us to appear at the basic necessity chronicled gold credit rates per gram referenced under:

    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 Gold Loan Per Gram Rate Comparison

    Feature
    Manappuram
    Axis Bank
    Yes Finance
    Interest Rate
    9.90%
    12.50%
    9.99%
    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
    3,124
    3,073
    3,069

    Tips to get the highest Amount Per Gram from AU Small Finance Bank

    For a gold credit, AU Small Finance Bank Gold loan recognizes both hallmarked and non-hallmarked pearls. Regardless, on the off chance that you simply have name pearls, you’ll get the foremost raised AU Small Finance Bank gold credit per gram in light of the very fact that the valuer is a smaller amount disposed to disparage it additionally, some money-related associations charge lower trade costs for hallmarked gold pearls.

    The AU Small Finance Bank Gold Loan Per Gram changes the expense of 22-carat gold to deal with flawlessness. Accordingly, get against higher-faultlessness embellishments if possible, as this may get you the foremost money for a gold credit.

    AU Small Finance Bank Gold Loan will use the internet heap of your enhancements to settle on the proportion of gold development you’re equipped for. Per Gram Gold Advance from AU Small Finance Bank, Choose diamonds with the smallest amount of pearls and stones whatever amount might be anticipated. The substantialness of pearls and stones are going to be deducted from the general heap of the diamonds by an outsized portion of the banks. to select internet weight, AU Small Finance Bank will depend on the assessment of its gold valuer. As more gems and stones are applied to a bit of pearl, the entire weight and price of the piece decrease, achieving a lower diamond advance you’re equipped for.

    On gold, it is standard practice to zero in on the foremost imperative possible LTV. The RBI has permitted AU Small Finance Bank to charge the simplest LTV of up to 75% while processing the proportion of gold credit you’re equipped for.


    gold loan at 7%

    हिंदी में पढ़े | தமிழில் படியுங்கள்

    Example: The development whole is directed by the faultlessness of gold, the LTV, and the weight of gold. Anticipate that Rohan, Abhishek, and Kumar each own differentiating measures of gold of evolving goodness. Rohan has 70 grams of gold with 18-carat goodness. Abhishek has 60 grams of gold that is 20 carats unadulterated, and Kumar has 50 grams of gold that is 22 carats unadulterated. They apply for a gold credit with AU Small Finance Bank. The worth used to choose their gold credit complete capability subject to the best LTV of 75% would move dependent upon the goodness of gold, achieving different gold development capabilities.

    Carats / Weight Of Gold Gold Weight (In Gm) Purity Of Gold (In Carat) Gold Loan Eligibility
    Rohan 70 18 ₹ 2.60 Lakh
    Abhishek 60 20 ₹ 2.48 Lakh
    Kumar 50 22 ₹ 2.27 Lakh

    Kumar, who has the littlest gold load of 50gm, will get the most minimal gold advance pace of 2.27 Lakh from AU Small Finance Bank, as found in the representation above.

    Since Rohan has the most gold weight, AU Small Finance Bank will give him the most elevated gold advance amount of Rs 2.60 lakh in a similar model.