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    Barclays Finance Agriculture Gold Loan

    Barclays Finance Agriculture Gold Loan Per Gram Today is ₹ 3,506 to ₹ 4,621

    Barclays Finance Agriculture 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
    Margin in Gold Loan for the Bank 25% of the gold ornament’s market value

    Barclays Finance Agriculture Gold Loan Per Gram Gold Loan Calculator

    Dialabank’s Gold Loan Calculator estimates the amount of gold loan you can obtain based on the factors listed below:

    • Purity and net weight of gold in jewellery: The purity and net weight of gold in your jewellery will be determined by the bank’s in-house valuer. The gold used in the jewellery should have a purity of 18 to 24 carats. To determine the net weight, Barclays Finance will subtract the weight of gems and stones from the jewellery. The appraiser will write up his findings and present them in writing.
    • Gold price: Once the valuer has determined the purity and net weight of gold in your jewellery, Barclays Finance will multiply it by the current gold price to determine the value of gold. The RBI has instructed banks to use the 30-day average price of 22 carat gold, adjusted for purity. So, if the gold is 20 carat purity, Barclays Finance will adjust its value by taking the 30-day average of 22 carat gold and multiplying it by a factor of 20/22. Dialabank.com displays the current gold price.
    • Loan to Value Ratio: After determining the value of your jewellery, Barclays Finance will apply an LTV of up to 75% to determine your eligibility for a jewel loan. If you are willing to take a loan amount less than your maximum LTV, Barclays Finance may offer you a lower interest rate.

    Barclays Finance Agriculture Gold Loan Eligibility

    Particulars Details
    Minimum Age of the Applicant 18 years
    Maximum Age of the Applicant 60 years for salaried applicants and 65 years for self-employed applicants
    Minimum Annual Income Rs. 100000 net annual income. for salaried individuals,

    and Net profit Rs. 60000 p.m. for Self – Employed individuals

    Car Model Any approved car model
    Type of Employment Salaried or self-employed
    Country or Place of Residence India (rural/semi-urban/urban areas)
    Duration of Stay in Current Residence A minimum of 1 year

    Documents Required for Barclays Finance Agriculture Gold Loan

    Identity Proof Aadhar Card/Pan Card/ Passport/ Voter ID
    Residence Proof  Aadhar Card /Pan Card/ Ration Card/ Utility Bills on the name of the applicant/ Rental Agreement of applicant/ Voter ID card.
    Agriculture Proof ( only if applicable) Agriculture Land Ownership Proof

     

    Barclays Finance Agriculture Gold Loan Rate Per Gram by Gold Purity

    The table below compares Barclays Finance’s gold loan per gram to different purity levels of gold jewellery at a maximum 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

    Barclays Finance Gold Loan Rates Per Gram

    Barclays Finance’s gold loan per gram to various purity levels of gold jewellery with a maximum LTV of 75% and a lower LTV of 65%. 

    Updated - Gold Loan Per Gram Rate w.e.f Jun 21 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


    gold loan at 7%

    हिंदी में पढ़े | தமிழில் படியுங்கள்

    Historical Gold Loan Rates Per Gram

    Price trends have generally increased, with the exception of a few dips, as shown in the table.

    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
    HDFC Bank
    ICICI Bank
    Muthoot Finance
    Interest Rate
    9.90%
    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
    2500
    2600
    2700*

    Tips for obtaining the highest Barclays Finance Gold Loan Amount

    • Barclays Finance accepts both marked and unmarked jewellery for gold loans. If you have one-of-a-kind jewellery, Barclays Finance will give you the best gold mortgage loan per gram because the appraiser will not undervalue your earnings. Furthermore, some financial institutions reduced the transaction price of gold-plated jewellery. Barclays Finance Agriculture Gold Loan
    •  Barclays Finance’s gold loan purity is 22 carats per gram. As a result, as long as you require the most gold money, you can borrow it from higher purity gold.
    • The amount of your gold loan will be calculated by Barclays Finance based on the net weight of the jewellery per gram. Use as few gemstones as possible in your jewellery. Most banks deduct the weight of gemstones and rocks from the total weight of the gold. Barclays Finance’s gold appraiser’s analysis will determine the net weight. The overall weight and value of a piece of jewellery decreases as more diamonds and gemstones are added, allowing you to qualify for a lower gold loan.
    • In the gold industry, the same strategy is used: aim for the highest LTV. When calculating your eligible gold mortgage loan amount, the Reserve Bank of India has allowed Barclays Finance to charge up to 75% of LTV.

     

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