Gold Loan Aizawl


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Gold Loan Aizawl

Major Gold Loan Providers in Aizawl

Feature HDFC Bank SBI
Muthoot Finance
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
1 month 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

Gold Loan Aizawl Features

What is a gold loan?

If we talk about the gold loan, it is a successful solution to remove the financial problems faced by the customer. A gold loan is the best financial tool that helps a person to meet the required amount without any hassle. People ineligible for any other loan, can opt for gold loan .Gold Loan Aizawl

This financial service is provided by many banks and NBFCs in India that is easy for anyone to take advantage of . Even if there are any price fluctuations in the market, the applicant can receive up to 75 percent of the market value of the gold.

Minimum paperwork is required in this loan as it is secured and your loan gets approved in 48 hours after the verification process is done..

Gold Loan in Aizawl provides proper financial aid to the customers at the best affordable interest rates as low as 7 per cent. A proper and reliable source of income of the applicant with a must perfect credit history is needed which will make the verification to get a gold loan and loan approval process much faster.

Other features of gold loan:

  1. Anytime Liquidity, meaning ready to use funds.
  2. Simple documentation and fast processing.
  3. The overdraft limit varies depending on the market rate of gold.
  4. Easy repayment schemes.
  5. No hidden charges.
  6. Premiums calculated on daily reducing balance

Gold Loan Aizawl Interest Rates

Bank Interest Rate
HDFC Bank Gold Loan 9.9% to 14%
Axis Bank Gold Loan 10.50% to 16%
Private Bank Gold Loan 10.75% to 16%
SBI Gold Loan 9.5 % to 13%
Kotak Gold Loan 11% to 14%
IIFL Gold Loan 9.24% to 24%
Muthoot Gold Loan 12% to 24%
Manappauram Gold Loan 12% to 26%
PNB Gold Loan 10.05% to 16%
Canara Bank Gold Loan 9.75 % to 13%
Andhra Bank Gold Loan 10.70% to 16%

Documents for Gold Loan Aizawl

The following documents are needed from the applicant:

  1. Proof of Identity can be any of the following: Passport Copy/ Voters ID card/ Driving License/Aadhaar card.
  2. Address Proof can be any of the following: Ration card/ Tel, Electricity Bill/ Rental bill/ Passport copy/Trade license /Shop & Est. License/Sales Tax certificate.
  3. For signature you may have any of the following proofs: Driving License/Banker’s verification/cheque/Passport copy.
  4. 2 passport size photographs.

Additional Documents Required for Gold Loan Aizawl

  1. Land Proof: Needed when the Agricultural Loan is more than Rs. 1 lac. Allied agriculture purposes  do not need proofs .
  2. A Demand Promissory Note.
  3. Bank will arrange certificate by Jewel Appraiser.
  4. Income Proof: Salary Certificate and Form No.16.

    Eligibility Criteria for Gold Loan Aizawl

  1. The applicant should be between the age group of  (minimum) 21 to 60 (maximum).
  2. The applicant’s nationality must be INDIAN.

GOLD LOAN @ 0.75%*



How to Apply for Gold Loan Aizawl

Online Process to Apply for Gold Loan Aizawl

You can easily apply for the Gold Loan in available banks such as Private, Axis, HDFC and others through Dialabank online by filling up a simple user-friendly form.

In a short time, you will receive a call from our trained representative. Furthermore, Dialabank provides you with pick-up facility of your documents from your doorstep.

For further information, you can call on +919878981166 anytime.

Consider Dialabank as the best platform to apply for a gold loan online, because it is rated the best by its users. There are many reasons behind this, some of them are:

  1. Dialabank is the first financial helpline in India providing the best known financial services to its customers all over the country.
  2. Dialabank guides the customers cost-free, as it charges no additional cost of applying for a gold loan online on the website of Dialabank.
  3. You can get a high Loan-to-Value (LTV) of your gold with Dialabank.
  4. Dialabank is connected with leading Banks such as HDFC, Private, Axis, Muthoot, Yes bank and many others.
  5. Besides that, the bank has a high reputation among its customers because of its best and fast services.
  6. Applying for a gold loan per gram on Dialabank will get a low Gold Loan Interest Rate.
  7. Dialabank provides a facility of document pickup from the applicant’s doorstep to ease the process.
  8. Processing your gold loan through Dialabank requires minimum paperwork.
  9. Finally, the highly trained relationship managers will be guiding you and serving you in the entire process of Gold Loan.
Apply for Gold Loan to Aizawl(Offline Process)

To avail the Gold Loan, the applicants can also choose from the nearby physical branches. ‘Gold Loan near me’ search on google can be used for this. It will enlist all the closest branches of banks and finance companies providing loans near your location. Please select them according to your preference and knowledge. However, in a quicker and organised manner, Dialabank can do that for you.

But if you choose to go with a physical branch which is near you, the applicant might have to visit the responsible departments to apply for the loan, again and again, before than loan gets finally approved as it is a complex process. However, some banks and finance companies can approve the loan process faster. Our recommendations are HDFC Gold Loan branches and Muthoot Gold Loan branches. But again, Dialabank can do this even faster by handling all complex processes. You just need to apply to believe.

Processing Fees / Prepayment Charges on Gold Loan Aizawl

Processing Fee
Prepayment Charges
HDFC Bank Gold Loan
0.25% to 1.50%
2%, Nil foreclosure charges after 3 months
Axis Bank Gold Loan
0.50% to 1.50%
Private Bank Gold Loan
0.25% to 1.50%
2%, Nil foreclosure charges after 9 months
SBI Gold Loan
500/- to 0.50%
Kotak Gold Loan
1% to 2%
2.25% of fore closure amount if closed 1 month ahead of the tenure.
IIFL Gold Loan
Muthoot Gold Loan
Manappauram Gold Loan
PNB Gold Loan
0.70% to 1%
Canara Bank Gold Loan
Andhra Bank Gold Loan

CIBIL Score Required for Gold Loan Aizawl

No CIBIL score is required for Gold Loan, A gold article is a must.

A good CIBIL score is a must before applying for a loan other than a gold loan. It is basically a foundation for your loan, for this reason, every lending institution has its own guided criteria for the minimum required CIBIL score for processing a Loan application in Aizawl. Generally, most of the institutions require a minimum CIBIL score of 750 to process your loan application without any failure.

It is not just your CIBIL score, many institutions also look at the detailed behaviour on the previous loans taken by you, including details on the type of loan and the loan amount, payment schedules and if all deadlines are met while repayment. Making sure your CIBIL score is good before applying for a loan is a good practice.

Gold Loan Aizawl Agents

One of the leading and most trusted gold loan agents in Aizawl is Dialabank. You can apply online at Dialabank or give a call at +919878981166

Dialabank works as a bridge to find the best option between several Banks and NBFCs by providing you with a detailed and structured market comparison of different banks. This eliminates the unnecessary worries about the complex information and process you have to go through. So, you can make the right choice. Visit our website Dialabank to fill a simple form for more details and our customer relationship managers will soon get in touch with you.

Gold Loan Aizawl Contact Number

Call +919878981166 and get instant help and approval for Gold Loan in Aizawl right now.

Table for Pre Calculated EMI Gold Loan Aizawl

5 Yrs
4 Yrs
3 Yrs

About Aizawl

Aizawl is the capital of the state of Mizoram. It was officially established on 25 February 1890. It is the largest city in the Mizoram state. It is also the center of administration which include all the important state assembly house, government offices and civil secretariat. The Aizawl Municipal Council is the dominant authority of the civic administration of Aizawl city. It was formed in 2010 with 19 Members also when the Congress-ZNP party coalition was voted to power in the state legislative assembly.


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