Baroda Rajasthan Kshetriya Gramin Bank Gold Loan

Gold Rate: ₹ 5,340 Per Gram

Interest Rate 7.0% p.a. ⍟

I have read the Privacy Policy & Agree to Terms & Conditions and authorize Dialabank & its partner institutions to Call or SMS me with reference to my application.
Unlock the Real Value of your Gold
Lowest Rate of Interest
Get Money in 30 Mins
Loan Amount Up to 1 Crore
Loan Tenure Up to 48 Months
Unbiased Experts Advice

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 Loan

Gold 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 of 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 Rates are quite less in contrast to other loan services.

Baroda Rajasthan Kshetriya Gramin Bank Gold Loan Key Features

Collateral Gold ornaments
Gold Loan per gram
varies depending on the purity of gold
Age of Borrower 18 – 70 years
Maximum Loan Amount Up to 10 lakhs
Maximum Loan to Gold Value Ratio Up to 70%
The purity of Eligible gold 18 carat to 22-carat gold
Loan Tenure 12 to 48 months

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 Interest Rate and Other Charges

Gold Loan Rate
10.50% p.a.
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
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 (any one)
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 (any one)
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 credit 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.

Baroda Rajasthan Kshetriya Gramin Bank Gold Loan Apply Online

To apply online, go to Dialabank.com 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

Baroda Rajasthan Kshetriya Gramin Bank Gold Loan FAQs

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 rate per gram varies depending on the quality of your Gold and the market price of the gold. You can get a 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?

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 10.70% 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.

Other Major Gold Loan Providers

Table of Contents

Share This

Menu