⍟  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

Fullerton India Gold Loan

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Fullerton India Gold Loan Key Features – Apply Now

Fullerton India Bank Gold Loan Interest Rate

7.0% per annum

Fullerton India Bank Gold Loan Per Gram

Rate Per Gram Today ₹ 5,121

Fullerton India Bank Gold Loan Age Criteria

18 to 65 years

Fullerton India Bank Gold Loan Maximum Loan Amount

Up to 1 crore

Fullerton India Bank Gold Loan Maximum Loan to Gold Value Ratio

Up to 75%

Fullerton India Bank Gold Loan Purity of Eligible gold

18 to 22-carat gold

Fullerton India Bank Gold Loan Maximum Loan Tenure

10 years (After 1-year renewal is required)

Fullerton India Bank Gold Loan Min ROI Per Lakh

Rs. 833

About Fullerton India Bank Gold Loan

An applicant’s trust, satisfaction, capital, is important for the bank also, so it never overlooks the emotions of people applying for a gold loan and gives assurance and worthiness to its applicants for a safe and secure gold loan and helps the applicants in their rough and tough times through this Fullerton India Bank Gold Loan. Fullerton India Bank Gold Loan is one with a cheap rate of interest and also the fastest one. 

Fullerton India Bank Gold Loan with no EMI tension and an easy and faster approval prove itself to be a very trouble-free loan facility. Fullerton India Bank Gold Loan gives capital for education, holiday, agricultural needs, or other requirements. Indeed, Fullerton India Bank is one of the most trustworthy banks in India. Various banks provide us with gold loans but Fullerton India Bank Gold Loan comes at the top because of its assurance towards people’s safety.

  • 7.0% per annum is the rate of interest for the Fullerton India Bank Gold Loan
  • Per Gram rate of the Fullerton India Bank Gold Loan is Rs 5,121.
  • Period for reimbursement of Fullerton India Bank Gold Loan after the 1-year renewal is up to 10 years 
  • The processing fee is 1% + GST for the Fullerton India Bank Gold Loan

Loan one can get through Fullerton India Bank Gold Loan

Rs 5,121 is the rate of Fullerton India Bank  per gram gold loan. In a maximum way, 22-carat ornaments are calculated with an LTV of 75%. There are changes in the price of the god as per the loan per gram daily.

Fullerton India Bank Gold Loan Per Gram – Updated January 2021

Updated - Gold Loan Per Gram Rate w.e.f Apr 17 2021

Gold Weight Gold Purity
24 Carat
Gold Purity
22 Carat
Gold Purity
20 Carat
Gold Purity
18 Carat
1 gram 4680 4290 3900 3510
10 gram 46800 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

Why Choose Fullerton India Bank Gold Loan?

Several financial service providers and non-financial institutions provide Gold Loan. But why choose Fullerton India Bank Gold Loan? Here are some reasons:

 

  • From the financial service provider, there is a commitment towards the applicants.
  • The loan amount minimum is of thousands and maximum till 1 crore.
  • Quick processing.
  • CIBIL score or credit score is not important.
  • Rapid processing and withdrawal
  • The cheapest rate of interest
  • Applicant-friendly documentation.
  • Availability of a payment option as per the applicant’s suitability. 

Advantages of Fullerton India Bank Gold Loan

Advantages of Fullerton Bank Gold Loan via Dialabank

  1. Immediate Gold Loan – The total loan in Fullerton India Bank Gold Loan starts from Rs 10,000 till Rs 1 crore.
  2. Gold Jewels – The loan can only be taken on loan junks.
  3. Loan Period – A maximum period of 10 years is available while applying for a gold loan.
  4. Gold Value – For estimating the purity of gold a qualified person will be appointed by the Deutsche Bank.
  5. Safety and Care – After the purity of gold is checked it gets sealed in a pouch, packs, and places in the dome of the bank. The applicant stays in front when all of these things happen. This assures them that the gold is safe with the bank.
  6. Endorsement Duration – It takes only 30 mins to get a gold loan.
  7. If an applicant has an existing account in Fullerton India Bank then there are special offers for the Fullerton India Bank Gold Loan.
  8. The LTV ratio is fixed at 75% at RBI.
  9. The order for the Fullerton India Bank Gold Loan is the same for all the applicants who are 10 years.
  10. The bank offers Fullerton India Bank Gold Loan for farming doings at inferior interest rates.
  11. The bank charges a borrower up to .50% on the principal outstanding in case of a Gold Loan Foreclosure.

Fullerton India Bank Gold Loan Eligibility

Age

18-75 years

Requirements

Gold ornaments (18-22 carats)

CIBIL score

Above 500

Fullerton India Bank Gold Loan rate of interest, Charges

Gold Loan Interest Rate

7.0% per annum

Processing Fee

1% of the loan amount

Renewal Fees

Rs 250- Rs 500 (depending on the loan amount)

Loan Amount

₹ 10,000 to ₹ 1 crore

Prepayment Charges

1% of the outstanding principal amount

Document Charges

For loans up to 1-year tenure is Rs 199 

Documentations required for Fullerton India Bank Gold Loan

Identity Proof

Aadhaar Card/ Passport/ Voter ID (Anyone)

Residence Proof

Aadhaar Card /Pan Card/ Ration Card/ Utility Bills on the name of the applicant/ Rental Agreement of applicant/ Voter ID card (Anyone)

Agriculture Proof ( if applicable)

Agriculture Land Ownership Proof

Photographs

2 Passport sized (Colored)

Types of Fullerton India Bank Gold Loan

  • Buller Repayment – When it comes to the repayment of a loan this is the short-duration loan against gold. For the entire time of the loan, the debtor has to pay the Fullerton India Bank Gold Loan online
  • . The reimbursement is to be done in the loan period.
  • Overdraft Facility – This is mostly used by self-employed individuals as per the candidate’s fund requirements for business people. In this category, an individual can take a loan for their needs and requirements.
  • EMI Facility – Here, the reimbursement of the loan payment can be done against gold. In this, an applicant has to pay every month in the form of monthly payments. This is the sum of the principal amount and Fullerton India Bank.

Apply Online for the Fullerton India Bank Gold Loan

Applying online with Dialabank is not a very hard process. It’s very simple and a 2-minute process where after logging in, a bank representative will contact you.

  • Visit the Dialabank page from google.
  • Start filling the gold loan form with all the information they are asking for.
  • The representative from the bank will contact you on the contact number given.
  • Choose the loans per your requirements and take the benefit of Dialabank service.

How to Pay Your Fullerton India Bank Gold Loan EMI?

  1. Standing Instruction (SI) – If you are the current applicant in the bank this is the best way to pay your Fullerton India Bank Gold Loan. The amount of EMI will be charged by the end of each month from the Fullerton India bank.
  2. Electronic Clearing Service –  This will help your EMI to be charged as a result until the end of the monthly cycle from this record if you are a non-capital first bank then use this method.
  3. Post-Dated Checks – From a non- Fullerton India Bank one can submit an expired EMI check to the adjacent Fullerton India Bank loan branch. The collection of Post-Dated Checks will be at non-ECS locations.

Gold Ornaments accepted by Fullerton India Bank Gold Loan

  • Only 18 and 22 carats of gold are accepted by Fullerton India Bank Gold Loan
  • Only gold jewelry is acknowledged as security by Fullerton India Bank Gold Loan.
  • Imprinted coins are not approved.

Use of Fullerton India Bank Gold Loan

  • Faster processing – The gold loans are described as one of the most secured loans. There are no major documentation required, no guidelines, and thus makes it faster.
  • Lower interest rate – The gold loans are the most secured with affordable Best Gold Loan Interest Rate on the loan amount in comparison to the personal loans.
  • Multipurpose – There are many purposes for which you can use this loan like be it for weddings, holidays, medical bills, and more.
  • Business Purpose- One can also take a Deutsche Bank Gold Loan for shopping, generating sales, and much more.
  • Agricultural Purpose- There are distinct interest rates on the gold loans for cultivation tenacity.

Benefits of Fullerton India Bank Gold Loan Scheme

  • Up to ₹ 25,000, there is no processing fee.
  • A minimal amount of Rs 300 or 0.30% of the loan amount on the amounts above 25,000 till 5 lakhs.
  • A minimal amount of Rs 1500 or 0.28% of the loan amount on the amounts more than 5 lakh till less than 1 crore.

Fullerton India Bank Agricultural Jewel Loan Scheme

Scheme

Fullerton India Bank 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 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 Fullerton India Bank Agricultural Jewel Loan Scheme

  • Up to ₹ 25,000, there is no processing fee.
  • A minimal amount of Rs 300 or 0.30% of the loan amount on the amounts above 25,000 till 5 lakhs.
  • A minimal amount of Rs 1500 or 0.28% of the loan amount on the amounts more than 5 lakh till less than 1 crore.

Fullerton Bank Gold Loan Overdraft Scheme

Fullerton Bank Offers an Overdraft Scheme. It works like a Credit Card, where you can spend your Gold Loan Amount as you want anytime anywhere. The overall loan amount will have a Credit/Loan Limit. In the Fullerton Bank Gold Loan Overdraft facility, the bank charges interest only on the withdrawn amount.

Fullerton India Bank gold loan Interest Rate for Different Scheme

Fullerton India Bank gold loan development for horticultural needs is divided into two different categories of Bumper Agri Jewel Loan and other Agri Jewel Loan. The price for the two classes are:  

For Bumper Agri Jewel Loan

For Other Agri Jewel Loan Products

Fixed: 8.50%

starting from 11.50 %


Please Note RBI has decided to increase the LTV ratio for Gold Loan from 75% to 90% till 31st March 2021.

FAQs About Fullerton India Bank gold loan

✅What are the documents required for the Fullerton India Bank gold loan?

  • Address proof like driver’s license, Aadhaar card, passport, and voting ID
  • Identity proof like a driver’s license, Aadhaar card, passport, PAN card, voting ID, etc.
  • On behalf of the applicant proof of agricultural commercial land.
  • Proof that harvesting will get better.

Who can apply for the Loan? 

Every farmer is ready to get a loan as soon as possible as loans are provided for agriculture.

What are the primary highlights of the Agricultural Jewel Loan Scheme?

  • There are no hidden charges.
  • Gem appraiser and administrative costs will be important.
  • The rate of interest is cheap.
  • The reimbursement program is profitable.
  • The front cycle is simple and trouble-free.

✅What is Fullerton India Bank Gold Loan?

Fullerton India Bank gold loan is a secure loan that comes with instant repayment to meet your immediate financial needs. Gold loans from Indian financial service providers can be obtained at attractive interest rates.

 How much Gold Loan Can I get per gram from Fullerton India Bank?

Depending on the quality of your gold you can get a ₹ 5,121 Gold Loan per gram from Fullerton India Bank. 

What is the gold loan interest rate in Fullerton India Bank?

The Fullerton India Bank gold loan rate of interest starts at around 7.0% p.a. The rate varies depending on the purity of the gold and the number of loans to be issued.

How to check gold loan status in Fullerton India Bank?

You can check your Fullerton India Bank gold loan status online by visiting the online financial service providing website and filling out a form for your Gold Loan application details.

 What is the maximum gold loan amount I can avail myself of on a gold loan from Fullerton India Bank?

You can get up to 90% of the total value of gold from Fullerton India Bank.

What is the loan tenure of the Fullerton India Bank gold loan?

The maximum term of your gold loan at Fullerton India Bank gold loan is up to 36 months.

 How much processing fee is applicable on Fullerton India Bank Gold loan?

Fullerton India Bank can charge a processing fee of up to 1% of the loan on their Gold Loan.

What are the charges for pre-payment in Fullerton India Bank gold loan?

Fullerton India Bank charges up to 1% of the outstanding loan as the cost of prepaying its gold loan.

How to renew Fullerton Fullerton Bank Gold Loan online?

You can always renew your Fullerton India Bank gold loan online by simply logging into your mobile app account and renewing your gold loan under the Gold Loan section by entering your loan account details.

How to pay Fullerton India Bank Gold loan interest online?

To repay Fullerton India Bank gold loan interest online you can use the payment options available on the financial service provider’s website or you can make your loan payments using net financial service providers, financial service provider cards, or via the mobile app.

 What if I can’t pay the interest on the Fullerton India Bank Gold loan for 3 months?

If you do fail to repay the Fullerton India Bank gold loan, you will first be warned by the financial service provider of making other mistakes. But if the default continues your gold jewelry stored as collateral can be sold.

 How can I apply for the EMI moratorium on the Gold loan?

You can apply for a suspension of an Indian gold loan online by signing in with your details or you can also visit the financial service provider itself.

How to pay a Gold loan through a credit card?

Repaying a Fullerton India Bank gold loan with a credit card is not allowed.

How much Gold Loan can I get per gram?

The level of Gold Loan per gram depends on the quality of your gold and the price of gold in the market. Bank offers a subsidy of 75-90% of the market price of gold.

 How to pay Gold Loan online?

You can pay for your Gold Loan from Fullerton India bank in easy monthly installments or through post-dated cheques.

 How to apply for Gold Loan?

Apply for Gold Loan with Fullerton India by visiting the branch and enquiring about the same with your financial service provider. You can also apply online with a Dialafinancial service provider and get the offers and deals as per your needs.

 How to renew Gold Loan online?

To renew your Gold Loan, you have to visit the loan branch and your loan documents and apply for a renewal. A renewal fee may be charged, and after a review of your gold, your loan will be renewed.

 How to get Fullerton India Gold Loan?

You can get a quick Gold Loan from Fullerton India by visiting the branch or through online inquiry at Dialafinancial service provider’s digital platform.

 How to check Gold Loan status?

Check your Gold Loan status by calling Fullerton India bank on their customer care number. You can also visit the branch yourself and ask the financial service provider clerk for any updates.

 How to close Gold Loan?

You can close your Gold Loan once you have paid all the money you have been waiting for. The financial service provider behind the documents will close your loan and repay you with the promised gold.

 How to renew Gold Loan?

If you wish to renew your Gold Loan with Fullerton India bank, all you need to do is visit the branch and your documents and apply for renewal. Your gold will be reviewed, and new loan terms will be determined. After paying a small down payment, your loan will be renewed for a new term.

 What happens if someone defaults Gold Loan?

When you pay on your Gold Loan, the financial service provider will initially remind you of the amount you are waiting for. Thereafter you will be given legal notice at your given address. In the event of a mistake, the financial service provider obtains legal rights to sell your promised gold to recover all the remaining money.

 How many branches of Gold Loan?

Fullerton India Bank is a financial service provider based in Mumbai, with over 100 branches in India.

What is the Overdraft Scheme for Fullerton Bank Gold Loan?

Fullerton Bank does provide an Overdraft Scheme and the overall loan amount will have a Credit/Loan Limit. In the Fullerton Bank Gold Loan Overdraft facility, the bank charges interest only on the amount you withdraw/utilize.

What is the Fullerton Bank Gold Loan closure procedure?

Once the loan is paid, the bank will close your gold loan immediately. 

What is the Fullerton Bank customer care number?

The customer care number is 9878981144

✅ What is Fullerton Bank Gold Loan Preclosure charges?

There are no preclosure charges for the gold loan

What is the maximum gold loan tenure for Fullerton Bank Gold Loan?

The maximum gold loan tenure is 12 months

✅ What is the minimum gold loan tenure of the Fullerton Bank Gold Loan?

The minimum tenure is 3 months.

✅ What are the foreclosure charges in Fullerton Bank Gold Loan?

The bank charges a borrower up to .50% on the principal outstanding in case of a Gold Loan Foreclosure

 

 

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