Ellaquai Dehati Bank Gold Loan

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About Ellaquai Dehati Bank Gold Loan

Ellaquai Dehati Bank Gold Loan

Ellaquai Dehati Bank is a rural bank that is jointly owned by Govt. of India, State Bank of India, and Govt of Jammu & Kashmir. It was founded on 16 July 1979. The Bank is spread over 117 branches and has its presence in both the divisions of the State.

The bank has branches in 13 states namely, Srinagar, Budgam, Ganderbal, Anantnag, Pulwama, Shopian, Kulgam, Jammu, Udhampur, Reasi, Ramban, Doda, and Samba. The bank provides a lot of financial services like Personal Loan, Gold Loan, Home Loan and many more. To easily avail a Gold Loan Click Here.

Forms of Gold Accepted for Ellaquai Dehati Bank Gold Loan

The applicant who wants to avail a Gold Loan should keep the following things in mind:

  1. Gold Jewelry include, Bangles, necklace, earrings or any other form of jewelry.
  2. Gold Coins are not approved for a Gold Loan.
  3. Bars of Gold also cannot be used.

Ellaquai Dehati Bank Gold Loan Eligibility

  1. The gold should be in the name of the applicant or family member.
  2. The applicant should be a resident of India.
  3. The age should lie in between 18-70 years group.
  4. The minimum Gold Loan amount is 18000 Rupees, and it can go up to 1 Crore depending upon the quality of gold.
  5. It is a service with the best rate of interest.

Documents Required for Ellaquai Dehati Bank Gold Loan

  • Proof of Adress of Applicant: The applicant has to particularly choose from: Aadhar Card /Pan Card/Valid Driving License/ Ration Card/ Utility Bills on the name of applicant/ Rental Agreement of applicant/ Voter ID card.
  • Proof of Identity: The document for proof of identity should be specifically from one of the following: Aadhar Card/ Pan Card/ Driving License/ Voter ID Card
  • Signature Proof: The documents considered for proof of signature are namely, Bank’s Verification document/ Valid Passport.
  • Tthe applicant needs 2 passport size colored photographs.

Ellaquai Dehati Bank Gold Loan Interest Rate

  1. The Gold Loan Interest Rate starts at 10.5%-12% p.a.
  2. The financial organizations provide Ellaquai Dehati Bank Gold Loan for 1 to 4 years.
  3. The pre-closure charges are in between 0% to 2% of the value of the loans.

How to Apply for Ellaquai Dehati Bank Gold Loan?

To start, the best option to apply for a Ellaquai Dehati Bank Gold Loan is through Dialabank. Through us, you will not have to worry about finding the best option near you. Also, We provide all our services free of cost. Follow the steps in order to get a loan very easily:

  1. You can easily Apply Online through our website. To do so, Click Here.
  2. The loan seeker has to fill a form Online with current information.
  3. You will get a call from our Relationship Manager to clear all doubts and to assist you in the entire process of the loan.
  4. The best Gold Loan Interest Rate is suggested to you by our managers.
  5. You can check your eligibility for further clarification of the approval of a loan.
  6. Submit all the documents required as proofs in the banks.
  7. The loan is approved in some minutes and disbursed within a day.
  8. If you want to talk to us directly, just call us at 9592046860.

FAQs About Ellaquai Dehati Bank Gold Loan

Q. How much Gold Loan can I get per gram in Ellaquai Dehati Bank?

The rate of Gold Loan per gram depends on the quality of your gold and the price of gold in the market. Indian Bank provides a 70-75% funding on the market price of the gold.

Q. What is Ellaquai Dehati Bank Gold Loan?

Loan against Gold as security with the banks is a service to fulfil the urgent monetary needs of the borrowers which can be for uses other than speculative reasons. Ellaquai Dehati Bank gives this loan at a competitive rate of interest with flexible tenure. The bank also gives easy repayment options.

Q. What is the Gold Loan interest rate in Ellaquai Dehati Bank?

Rate of Interest charged by the bank on Gold Loan starts from 10.70% depends on the amount of the loan that is to be borrowed and is less than the rate charged on personal or home loan as it is a fully secured form of the loan The bank also charges low processing fees and no documentation charges.

Q. How to pay Ellaquai Dehati Bank Gold Loan online?

The bank gives you easy repayment options for your Gold Loan. You can contact the customer care executive or visit the branch directly for more information.

Q. How to apply Gold Loan in Ellaquai Dehati Bank?

Apply for Gold Loan from Ellaquai Dehati Bank online by visiting Dialabank’s digital platform to get the best deals and personalized offer and choose the option which is most suitable to your needs.

Q. How to renew Ellaquai Dehati Bank Gold Loan online?

Renewal 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 as well. The new terms are formed and upon their agreement, the loan is renewed.

Q. How to take Gold Loan from Ellaquai Dehati Bank?

To get a Gold Loan from Ellaquai Dehati Bank you will need to visit the nearest branch with your gold ornaments. Ellaquai Dehati Bank does not provide Gold Loan services at every location in the country and thus for your convenience, you can apply online at Dialabank to avail of personalized assistance and get the best financial advice from our relationship managers.

Q. What is Gold Loan in Ellaquai Dehati Bank?

Ellaquai Dehati Bank provides quick and hassle-free Gold Loans at reasonable interest rates with the complete security for your ornaments. Just visit the nearest branch with your gold ornaments and required documents and get quick disbursal.

Q. How to get Ellaquai Dehati Bank Gold Loan?

You can get Gold Loan from Ellaquai Dehati Bank by walking into any branch with your gold ornaments and documents as required. Your gold will undergo a valuation process and the loan amount will be disbursed once everything is verified. You can also apply through Dialabank.com to get the best deals.

Q. How to check Ellaquai Dehati Bank Gold Loan status?

You can check the status by emailing the bank’s executive and asking them about your application or by visiting the branch and meeting the loan officer. In most cases, the disbursal of the amount is done on the same day of the approval of the application.

Q. How to close Ellaquai Dehati Bank Gold Loan?

Generally, the banks provide you with various options to repay the amount. You can make a bullet payment with servicing interest or pay EMIs. You can do it by SI, ECS or Post Dated Cheques. Do not forget to collect NDC after clearing the dues.

Q. How to renew Ellaquai Dehati Bank Gold Loan?

The renewal process of Gold Loan is fairly simple. Just visit the branch with all your loan-related documents. New terms for the loan would be formed upon the agreement of which the renewal process will be completed.

Q. What happens if someone defaults Ellaquai Dehati Bank Gold Loan?

If you are unable to pay for the Gold Loan from Ellaquai Dehati Bank the bank charges a penal fee from the borrower and this reflects in your credit score affecting your loan taking capacity. The bank also auctions off your gold in case the defaults are continued.

Q. How many branches of Ellaquai Dehati Bank Gold Loan?

The Bank has its presence in both the divisions of the State and has at present a network of 117 Branches and 3 extension counters spread across thirteen districts of the State of Srinagar.

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