⍟  Lowest Interest Rate of 0.79% p.m.
⍟  Highest Rate Per Gram ₹ 4,680
⍟  No Melting of Your Gold
⍟  Get Loan in 1 Visit Only
⍟  100% Safety of Your Gold (kept in Bank Locker)

APPLY FOR GOLD LOAN

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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 7.0% per annum
Baroda Rajasthan Kshetriya Gramin Bank Gold Loan Rate Per Gram
Rate Per Gram is ₹ 5,121
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 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 – 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 (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

Advantages of Baroda Rajasthan Kshetriya Gramin Bank Gold Loan via Dialabank

  • 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 charges 0.50% of the principal amount as foreclosure charges.

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

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 7% (depends on the sum of the loan
Least amount of Loan Depends on the value of  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

Baroda Rajasthan Kshetriya Gramin Bank Gold Loan Overdraft Scheme

Baroda Rajasthan Kshetriya Gramin Bank Offers an Overdraft Scheme as a Credit Card. They 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 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.

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

Baroda Rajasthan Kshetriya Gramin Bank Offers an Overdraft Scheme as a Credit Card. They 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 is 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 is answered at 9878981144 .

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