Baroda Rajasthan Kshetriya Gramin Bank Gold Loan

AT 0.49%* INTEREST RATE
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    Baroda Rajasthan Kshetriya Gramin Bank Gold Loan

    Baroda Rajasthan Kshetriya Gramin Bank Gold Loan Key Features – Apply Now

    Baroda Rajasthan Kshetriya Gramin Bank Gold Loan Interest Rate 5.88% per annum
    Baroda Rajasthan Kshetriya Gramin Bank Gold Loan Rate Per Gram
    Rate Per Gram is ₹ 2,900 to ₹ 3,450
    Baroda Rajasthan Kshetriya Gramin Bank Processing Fee
    0.75% of the Principal Loan Amount
    Baroda Rajasthan Kshetriya Gramin Bank Maximum Loan Amount
    Up to Rs. 10 lakh
    Baroda Rajasthan Kshetriya Gramin Bank Minimum Loan Amount
    70% LTV
    Baroda Rajasthan Kshetriya Gramin Bank Gold Prepayment Charges
    2%+GST (Within 3 Months), 0 (After 3 months)
    Baroda Rajasthan Kshetriya Gramin Bank Gold Repayment Tenure
    12 to 48 Months
    Baroda Rajasthan Kshetriya Gramin Bank Gold Repayment Scheme
    Bullet Payment Scheme, Overdraft Scheme

    About Baroda Rajasthan Kshetriya Gramin Bank Gold Loan

    Baroda Rajasthan Kshetriya Gramin Bank is a regional rural bank established in the year 1976 after the merger of three regional rural banks namely Baroda Rajasthan Gramin Bank, Hadoti Kshetriya Gramin Bank, and Rajasthan Gramin Bank. Also, the head office of this bank is in Ajmer.

    Furthermore, the bank has 12 regional offices at Alwar, Banswara, Baran, Bharatpur, Bhilwara, Chittorgarh, Churu, Jhunjhunu, Kota, Neem Ka Thana, Sawaimadhopur and Sikar. A lot of financial services are available to customers like Gold Loan, Personal Loan, and Home Loan.

    What is Gold Loan?

    Baroda Rajasthan Kshetriya Gramin Bank Gold LoanGold Loan also known as Loan against gold is an unsecured service in which the loan seeker puts the gold ornaments in the bank in return for the amount of loan. The applicant gets the gold jewellery back after the loan is repaid to the customers. Furthermore, Baroda Rajasthan Kshetriya Gramin Bank Gold Loan Interest Rate is quite less in contrast to other loan services.

    Baroda Rajasthan Kshetriya Gramin Bank Gold Loan Eligibility

    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

     

    Baroda Rajasthan Kshetriya Gramin Bank Gold Loan at Home 

    Gold Loan at Home is an immediate or doorstep loan service that allows you to borrow money from the comfort of your own home. As interest rates are low, the service is quick, flexible, and economical. Before submitting a loan request, you can also use the gold loan calculator to determine the worth of your gold or the loan amount. The process for getting a Gold Loan at home is quite simple and convenient, and it can be completed in just a few minutes.

    One of our representatives will contact you and arrive at your home within 30 minutes. The appropriate gold loan amount will be paid immediately to your bank account when all e-documentation and gold identification is completed at your home.

    The benefits of getting a gold loan at your doorsteps are:

    • Access To Your Loan Account 24 X 7
    • Diverse Range of Gold Loan Schemes
    • Your Gold will just be released the same day.
    • Pre & Part Payment Facility
    • You can get free insurance for your Gold
    • There are no hidden fees.
    • You will get the maximum value of your Gold
    • Service at Your Door in 30 Minutes
    • You can avail your Gold Loan in just 1 visit

    Baroda Rajasthan Kshetriya Gramin Bank Gold Loan Interest Rate and Other Charges

    Gold Loan Rate
    5.88% 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 Baroda Rajasthan Kshetriya Gramin Bank Gold Loan?

    Baroda Rajasthan Kshetriya Gramin Gold Loan Rates/ Gram – updated January 2021
    Weight Loan on 18Cr Gold Loan on 20Cr Gold Loan on 22Cr Gold Loan on 24Cr Gold
    1 gm 2460 2742 3025 3307
    10 gms 24600 27420 30250 33070
    20 gms 49200 54840 60500 66140
    30 gms 73800 82260 90750 99210
    50 gms 123000 137100 151250 165350
    100 gms 246000 274200 302500 330700
    200 gms 492000 548400 605000 661400
    300 gms 738000 822600 907500 992100
    500 gms 1230000 1371000 1512500 1653500

    Baroda Rajasthan Kshetriya Gramin Bank Gold Loan Documents

    The documents should be particularly from the following options

    Photographs
    2 Passport-Sized photos, latest, coloured, clear, without spectacles
    Identity Proof (anyone)
    Passport: Valid Copy of passport both front and last page
    Voters ID card: Copy of Valid Voter Identity Card
    Driving License: Copy of Driving license which is valid.
    Adhar card: Copy of Adhar Card with current information
    Residence Proof (anyone)
    Passport: Valid Copy of passport both front and last page
    Voters ID card: Copy of Valid Voter Identity Card
    Driving License: Copy of Driving license which is valid.
    Adhar card: Copy of Adhar Card with current information
    Utility Bills on the name of the applicant.
    Sales Tax Certificate
    Rental Agreement
    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)

    Baroda Rajasthan Kshetriya Gramin Bank Gold Loan Advantages

     

    • Great Availability: First and foremost, a Gold Loan is available in any nearby branch of the bank. You don’t need to travel far for it. You can even apply for it online.
    • Low Rate of Interest: Unlike personal loans, gold loans charge lower interest rates. Other charges are also minimal.
    • Safety of Ornaments: The gold ornaments given to the banks as collateral are completely safe in bank lockers along with technological surveillance.
    • No qualification of Credit Score: A gold loan does not require a credit history. In fact, you can improve your CIBIL score by availing of a gold loan and repaying it.
    • Income-proof not required: A gold loan does not require an income-proof or a minimum income. Even people who are not earning can avail of it.
    • Less Documentation: A gold loan doesn’t require many documents. All it requires is identity, address and signature proof.
    • Foreclosure charges: The banks charge 0.50% of the principal amount as foreclosure charges.

    Baroda Rajasthan Kshetriya Gramin Bank Gold Loan Apply Online

    To apply online, go to Dialabank and go to the gold loan option on the menu. Fill up your details. We will shortlist offers for you and call you. For more information, contact us at 9878981144.

    Baroda Rajasthan Kshetriya Gramin 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 Baroda Rajasthan Kshetriya Gramin Bank Bank Gold Loan

    • To finance personal expenses like vacation, tuition fees, etc.
    • To take care of Wedding Expenses.
    • Finance business needs like buying inventory, plant, etc.
    • Expansion of business
    • Home renovation
    • Gold against the loan for agricultural or allied activities.

    Baroda Rajasthan Kshetriya Gramin Bank Agricultural Jewel Loan Scheme

    Scheme Agricultural Jewel Loan Scheme
    Interest Rate  Starting from 5.88% per annum (depends on the sum of the loan
    Least amount of Loan Depends on the value of the jewel which is being kept as security
    Loan period Adjustment of advance sum inside 2 months from the date of reap of yields

    Benefits of Baroda Rajasthan Kshetriya Gramin Bank Agricultural Jewel Loan Scheme

    The benefits offered by Baroda Rajasthan Kshetriya Gramin Bank Agricultural Jewel Loan Scheme are:

    • No processing fee is applicable up to ₹ 25,000
    • 0.30% of the loan amount, Minimum of ₹ 300 charge is applicable to the amount ranging from above ₹  25,000 – less than ₹ 5 lakh
    • 0.28% of the credit sum, subject to at least Rs.1,500 is applicable to the amount more than Rs.5 lakh however under Rs.1 crore

    GOLD LOAN @ 0.49%*

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    Baroda Rajasthan Kshetriya Gramin Bank Gold Loan Overdraft Scheme

    Baroda Rajasthan Kshetriya Gramin Bank Offers an Overdraft Scheme as a Credit Card. The money can be spent by the borrower as and when wanted. The overall loan amount comes with a Credit/Loan Limit where the bank charges interest only on the amount used.

    FAQs about Baroda Rajasthan Kshetriya Gramin Bank Gold Loan 

    What is Baroda Rajasthan Kshetriya Gramin Bank Gold Loan?

    Baroda Rajasthan Kshetriya Gramin Bank gold loan is a facility given by the bank for business or personal use of the borrower at competitive rates of interest for a tenure of their choosing. The bank provides convenient methods for repayment of the loan as well.

    How much Gold Loan can I get per gram in Baroda Rajasthan Kshetriya Gramin Bank?

    The Baroda Rajasthan Kshetriya Gramin Bank Gold Loan per gram rate varies depending on the quality of your Gold and the market price of the gold. You can get funding up to 70% of the value of the gold collateral against which you availed of the loan.

    What is the Gold Loan interest rate in Baroda Rajasthan Kshetriya Gramin Bank?

    The rate of Interest charged by the Baroda Rajasthan Kshetriya Gramin Bank Gold Loan depends upon the amount of the loan to be borrowed. The rate of interest starts at 5.88% per annum.

    How to pay Baroda Rajasthan Kshetriya Gramin Bank Gold Loan online?

    You can repay the Baroda Rajasthan Kshetriya Gramin Bank Gold Loan using a Standing Instruction or an ECS on your bank account for automated payments. For more information on this, you need to visit the nearest bank branch.

    How to apply for Gold Loan in Baroda Rajasthan Kshetriya Gramin Bank?

    Applying for the Baroda Rajasthan Kshetriya Gramin Bank Gold Loan requires you to fill up a form by visiting the nearest branch or on the Dialabank website. You can also apply through the mobile app of the bank.

    How to renew Baroda Rajasthan Kshetriya Gramin Bank Gold Loan online?

    Renewal of the Baroda Rajasthan Kshetriya Gramin Bank gold loan can be done by visiting the bank and getting the gold revalued at new market prices. You need to carry all loan-related documents with you and you might be asked to fill a form for renewal as well. The new terms are formed and upon their agreement loan is renewed.

    How to take Gold Loan from Baroda Rajasthan Kshetriya Gramin Bank?

    Just apply for the Baroda Rajasthan Kshetriya Gramin Bank gold loan by visiting the nearest bank branch, through the bank’s website or through Dialabank. Go to the branch with the required documents and the gold that is to be pledged and get your gold evaluated. Accept the offer made by the banker and get quick disbursement of funds.

    How to check Baroda Rajasthan Kshetriya Gramin Bank Gold Loan status?

    Checking the status of your Baroda Rajasthan Kshetriya Gramin Bank gold loan application can be done by calling on the toll-free helpline number or by emailing the bank your loan application details.

    What happens if someone defaults Baroda Rajasthan Kshetriya Gramin Bank Gold Loan?

    If someone defaults payment for the Baroda Rajasthan Kshetriya Gramin Bank gold loan,  it affects the credit score negatively and also bank may auction the gold jewellery for the recovery of the amount.

    ✅ How can I apply for the EMI moratorium on the Baroda Rajasthan Kshetriya Gramin Gold loan?

    You can apply for a Baroda Rajasthan Kshetriya Gramin Bank gold loan EMI moratorium by visiting the bank branch or its online portal and filling in your loan details. A loan moratorium helps you free yourself from loan repayment for a while. Make sure you apply for it at least 5 days before the due date of EMI Payment.

    What is Baroda Rajasthan Kshetriya Gramin Bank Gold Loan Overdraft Scheme?

    Baroda Rajasthan Kshetriya Gramin Bank Offers an Overdraft Scheme as a Credit Card. The money can be spent by the borrower as and when wanted. The overall loan amount comes with a Credit/Loan Limit where the bank charges interest only on the amount used.

    What is the foreclosure procedure for Baroda Rajasthan Kshetriya Gramin Bank Gold Loan?

    Baroda Rajasthan Kshetriya Gramin Bank charges from a borrower up to 0.50% of the principal amount in an event of a Gold Loan Foreclosure.

    What is the Baroda Rajasthan Kshetriya Gramin Bank Gold Loan closure procedure?

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

    ✅ What are Baroda Rajasthan Kshetriya Gramin 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 for Baroda Rajasthan Kshetriya Gramin Bank is 48 months.

     What is the minimum gold loan tenure?

    The minimum Baroda Rajasthan Kshetriya Gramin Bank gold loan tenure is 12 months.

    What is the customer care number for Baroda Rajasthan Kshetriya Gramin Bank Gold Loan?

    All the queries regarding Baroda Rajasthan Kshetriya Gramin Bank are answered at 9878981144.

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