FinCare Small Finance Bank Agriculture Gold Loan Features & Benefits
| FinCare Small Finance Bank Gold Loan Per Gram Today | Gold Loan Rate Per Gram Today is ₹ 2,900 to ₹ 3,450 |
| Eligible Age | 18 to 75 years |
| Loan Amount Eligibility | Rs. 1,000 to Rs. 2 Cr |
| Documents Required | Basic KYC documents |
| Purity of Gold | 18 carat to 22 carat |
| Type of Gold | Gold jewellery and gold coins of 18-24 carats |
| Loan to Value Ratio | 25% of the gold ornament’s market value |
The FinCare Small Finance Bank Agricultural Gold Loan has various rates of ₹ 2,900 to ₹ 3,450. The Loan to Value Ratio in these FinCare Small Finance Bank is 25% of the Gold Ornaments Market Value.
FinCare Small Finance Bank Agriculture Gold Loan Calculator
The Fincare Small Finance Bank Agriculture Gold Loan Calculator has some of the factors that are used in these Gold Loans. In addition, these Agriculture Gold Loans has various Purity of the Gold, Gold Loan to Value Ratio.- The loan to Value Ratio plays a major role in the Banks. These Gold Loan Calculators needs this Purity of the Gold. Purity plays a major role in the FinCare Small Finance Bank for the Agriculture Gold Loans. The Gold Loan to Value Ratio is 75% of the Gold Loans. You can also avail yourself of today’s gold rate at Dialabank.
The Fincare Small Finance Bank Agriculture Gold Loan Calculator has some of the factors that are used in these Gold Loans. In addition, these Agriculture Gold Loans has various Purity of the Gold, Gold Loan to Value Ratio.- The Gold Loans Purity may range in between 18-24 carat Gold. Based on this Purity, only you can get the Gold Loan Prices and the Gold Loan Rates.
FinCare Small Finance Bank Agriculture Gold Loan Eligibility
| Salaried Individual | Age – 21 years to 60 years |
| Net Monthly Income – Minimum ₹ 20,000 | |
| Employment Duration – 1-year minimum | |
| Income Eligibility – Based on Form 16 and salary slip | |
| Self-Employed Individuals | Age – 21-65 years of age |
| Minimum ITR – Rs.2 lakh | |
| Employment Duration – Minimum 3 years | |
| Eligibility of Income – latest Income Tax Returns | |
| Self-Employed Non-Individuals (Company/Partnership) | Minimum ITR – Rs. 2 lakh |
| Employment Duration – 3 years minimum | |
| The applicant has to present IT returns and audited financials of 2 years with Calculated Income. | |
| Priority Customers | At least 6-month vintage |
| Average Quarterly Balance – 2 quarters balance at a minimum of Rs.1 lakh | |
| Maximum Loan Amount – 3 times the Average Quarterly Balance of the last 2 Quarter |
Documents Required for FinCare Small Finance Bank Agriculture Gold Loan
| Category | Documents Required |
| Identity Proof
(Any 1) |
Passport Voter ID Aadhar Card Driving License |
| Address Proof
(Any 1) |
Aadhar Card PAN Driving License Electricity Bill |
| Date of Birth Proof
(Any 1) |
Passport Birth Certificate High School Marksheet Driving Licence |
| Signature Proof
(Any 1) |
PAN Bankers Verification Passport |
| Income Proof | Salary Slip and latest Form No.16 |
| Bank Statement | Last 6 month Bank statement |
| Employment Continuity Proof | Job card by NREGA ITR of Form no. 16 Salary Slip mentioned with joining date Letter of Appointment |
FinCare Small Finance Bank Agriculture Gold Loan Rate Per Gram by Gold Purity
The above table shows the method by which Banks will calculate your per gram gold loan for gold of varying purity.
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
In the above table, the Gold Loan Per Gram Rates are based on Gold Purity. And these Gold Purity are between 18-24 carat Golds. So there is both the highest and lowest Gold Loans Rates.
FinCare Small Finance Bank Agriculture Gold Loan Interest Rates Per Gram
The following table shows the Agricultural Gold Loan Interest Rates per Gram in FinCare Small Finance Bank- Updated Mar 29 2023
Updated - Gold Loan Per Gram Rate w.e.f Mar 29 2023
Gold Weight
Gold Purity
24 CaratGold Purity
22 CaratGold Purity
20 CaratGold 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
Historical Gold Loan Rates Per Gram
The table shows the historical Gold Loan Rates per Gram.
This Table Contains the Average Annual Gold Rate from 1965 - 2022
Year
Price (24 karat per 10 grams)
Year
Price (24 karat per 10 grams)
2022
₹ 52,950
1993
₹ 4,140
2021
₹ 50,045
1992
₹ 4,334
2020
₹ 48,651
1991
₹ 3,466
2019
₹ 35,220
1990
₹ 3,200
2018
₹ 31,438
1989
₹ 3,140
2017
₹ 29,667
1988
₹ 3,130
2016
₹ 28,623
1987
₹ 2,570
2015
₹ 26,343
1986
₹ 2,140
2014
₹ 28,006
1985
₹ 2,130
2013
₹ 29,600
1984
₹ 1,970
2012
₹ 31,050
1983
₹ 1,800
2011
₹ 26,400
1982
₹ 1,645
2010
₹ 18,500
1981
₹ 1,800
2009
₹ 14,500
1980
₹ 1,330
2008
₹ 12,500
1979
₹ 937
2007
₹ 10,800
1978
₹ 685
2006
₹ 8,400
1977
₹ 486
2005
₹ 7,000
1976
₹ 432
2004
₹ 5,850
1975
₹ 540
2003
₹ 5,600
1974
₹ 506
2002
₹ 4,990
1973
₹ 279
2001
₹ 4,300
1972
₹ 202
2000
₹ 4,400
1971
₹ 193
1999
₹ 4,234
1970
₹ 184
1998
₹ 4,045
1969
₹ 176
1997
₹ 4,725
1968
₹ 162
1996
₹ 5,160
1967
₹ 103
1995
₹ 4,680
1966
₹ 84
1994
₹ 4,598
1965
₹ 72
Major Banks Agriculture Gold Loan Per Gram Rate Comparison
Feature
HDFC Bank
SBI
Interest Rate
9.90% onwards
7% onwards
12% onwards
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
Processing Fee
0.25% to 1.50% of the Loan Amt
0.25% to 1.50%
Nil
Pre-closure Charges
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
3066
3073
3073
Tips to Get The Highest Agriculture Gold Loan Amount from FinCare Small Finance Bank
- There are many things that need to know for availing the Highest Gold Loan Amount from FinCare Small Finance Bank. These factors are Gold Loan Purity. Gold Loan to Value Ratio, Gold Price and Gold Weight.
- By Using the Purity of the Gold, you can avail of the Highest Gold Loan Amount. And the price of the Gold Loan depends on the Purity of the Gold Loans.
FinCare Small Finance Bank Agriculture Gold Loan FAQs
✅ What is the interest rate for FinCare Small Finance Bank agriculture gold loan?
FinCare Small Finance Bank Agricultural Gold Loans start at an interest rate of 7% per annum. For FinCare Small Finance Bank Agricultural Gold Loan, you need agricultural land and cultivation along with the basic documents such as an Aadhaar Card/PAN Card.
✅ What is FinCare Small Finance Bank Agri gold loan?
FinCare Small Finance Bank Agri Gold Loan is a loan against gold, particularly for farmers, that are available for agricultural purposes. The loan amount disbursed under the FinCare Small Finance Bank Agri gold loan can only be used for agricultural and allied activities. Therefore, one has to present the proof of agricultural land and cultivation along with the basic documents required for the FinCare Small Finance Bank Agri Gold Loan.
✅ How to pay FinCare Small Finance Bank Agriculture Gold Loan Online?
You have an option to pay FinCare Small Finance Bank Agriculture online through online repayment applications.
Read More: Best Methods of Repaying Gold Loan
