Gold Loan Barnala

Gold Rate: ₹ 5,121 Per Gram

⍟ Interest Rate 7.0% p.a. ⍟

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Loan Amount Up to 1 Crore
Loan Tenure Up to 48 Months
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Best Banks for Gold Loan in Barnala

Feature
HDFC Bank
ICICI Bank
Muthoot Finance
Interest Rate
9.90%
10.50%
12%
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
Preclosure Chgs
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
2500
2600
2700*

Gold Loan Barnala Features

The Gold Loans are now pretty easy and less time consuming to the avail as most of the major banks and NBFCs provide the service at a reasonable rateGold Loan Barnala of interest and minimum documentation. The Gold Loans are secured loans that can be availed by keeping your Gold ornaments/Jewelry as a collateral or security deposit for the short-term credit. Banks sanction Gold Loan easily considering the fact that you repay the amount in the form of interest in a specific period of time. If you fail to repay, the loan can be renewed.

Gold Loan in Barnala Interest Rates and Charges

Bank
Interest Rate
HDFC Bank Gold Loan
10.25% to 14%
Axis Bank Gold Loan
10.50% to 16%
ICICI 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%

Gold Loan in Barnala Documents Required

  1. Government-approved ID such as Driving license/passport/Aadhar card, etc
  2. Proof of Income (i.e. salary slips/ Form 16)
  3. Land Proof: In case of Agriculture Loan of more than Rs. 1 lac.(not required for agricultural purpose)
  4. Signed Application form
  5. 2 recent passport size photographs of the applicant
  6. Signature Proof: Passport Copy/Driving License/Banker’s verification/cheque.
  7. Proof of Address: Ration card/ Tel, Electricity Bill/ Rental bill/ Passport copy/Sales Tax certificate.
  8. Certificate by the Jewel Appraiser (Bank will arrange)
  9. A Demand Promissory Note.

Gold Loan in Barnala Eligibility Criteria 

  1. The applicant must be at least 21 years old.
  2. The applicant must have Indian nationality.
  3. The applicant should not be more than 60 years of age.

gold loan at 7%

How to Apply for Gold Loan Barnala

Online Process to Apply for Gold Loan Barnala
  • You can apply for the Gold Loan at Dialabank.
  • It is less time consuming and convenient
  • Fill an online form with personal details
  • Our relationship manager would then contact you for further assistance
  • You can also avail of the document pick up facility from your doorstep.
  • For more detail, you can call on 9592046860.

Dialabank is considered as the best platform to apply for a gold loan online. There are so many reasons behind this.

  1. Dialabank is India’s first financial helpline; This provides the best financial services to customers all over the country.
  2. The bank has a good reputation among the customers because of its best services.
  3. Gold Loans can be availed at a low rate of the interest with minimum documentation requirement
  4. Dialabank provides a document pickup facility from the doorstep of the customer.
  5. There is no processing fee or additional charges for availing to the service through Dialabank
  6. The Relationship managers of Dialabank are trained and assist the customer without any hesitance
Offline Process to Apply for Gold Loan Barnala

The applicant also has an option to avail Gold Loan through the offline process. It requires market research as well as some manual efficiency.

The applicants need to search for the nearby banks offering Gold Loans and visit them at their working hours. Thereafter, their relationship manager would correspond and assist you according to your requirements requiring repeated visits to the nearest branch.

Processing Fees / Prepayment Charges on Gold Loan Barnala

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

CIBIL Score Required for Gold Loan Barnala

Most of the major banks and NBFCs offer the Gold Loan irrespective of the CIBIL score. The applicant should have all the necessary documents and should fulfill the eligibility criteria.

Gold Loan Barnala Agents

Dialabank is one of the leading agents for availing the Gold Loan in Barnala. You can easily apply online at www.dialabank.com or give a call at 9878981166

Dialabank helps you to find the best option of the Banks and NBFCs by providing you with a detailed market comparison of different banks so that you can make the right choice. Visit our website www.dialabank.com and fill a simple form with your personal and employment details. Our customer relationship managers would soon get in touch with you.

Gold Loan Barnala Contact Number

Call 9878981166 and get instant help and approval for the Gold Loan in Barnala.

Pre Calculated EMI Table for Gold Loan Barnala

Rate
5 Yrs
4 Yrs
3 Yrs
10.50%
2149
2560
3250
11.00%
2174
2584
3273
11.50%
2199
2608
3297
12.00%
2224
2633
3321
12.50%
2249
2658
3345
13.00%
2275
2682
3369
13.50%
2300
2707
3393
14.00%
2326
2732
3417
14.50%
2352
2757
3442
15.00%
2378
2783
3466

About Barnala

Barnala is a city in the state of Punjab of India. The Barnala city serves as the headquarters of the Barnala district which was formed in 2006. Prior to the formation of the Barnala district, this city was located in Sangrur district. This is situated near Bhatinda.

गोल्ड लोन बरनाला के बारे हिंदी में जानिए: गोल्ड लोन बरनाला


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