Gold Loan Belgaum

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Gold Loan Belgaum

Major Gold Loan Providers in Belgaum

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 Belgaum Features

Belgaum gold loan gives you to use your gold and spend the money as you wish to, you can avail up to 75 per cent of the market value of your gold, so apply right now with Dialabank. gold loan belgaum

  • No EMI, Service only interest.
  • Minimal Documentation.
  • Fast Gold Loan Belgaum Approvals.
  • No credit checks.
  • No hidden charges.
  • Easy repayment schemes.
  • Simple Procedures.

Key Features:

Get Loan in 30 Minutes
Highest Gold Rate in India
100% Safety of Your Gold
Minimum Documentation
Without EMI Gold Loan
Gold Loan in 1 Visit
No Melting of Gold
24 x 7 Online Payment Facility
No Hidden Charges

 
You can Call and Speak with a Gold Loan Belgaum Relationship Manager on 9878981144
 

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Gold Loan Belgaum Interest Rates Jan 28 2023

Bank Interest Rate
HDFC Bank Gold Loan 9.9% 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 Per Gram For All Major Bank in Belgaum Jan 28 2023

Bank / NBFC Rate Per Gram Interest Rate Gold Loan Tenure Min - Max Loan Amount
HDFC Gold Loan ₹ 3,506 to ₹ 4,621 9.90% 3 to 24 months ₹ 10 thousand to 5 crore
ICICI Gold Loan ₹ 3,506 to ₹ 4,621 10.00% 6 to 12 months ₹ 10 thousand to 5 crore
Muthoot Finance Gold Loan ₹ 3,506 to ₹ 4,621 12.00% 7 days to 36 months ₹ 3 thousand to 1 crore
Manappuram Gold Loan ₹ 3,506 to ₹ 4,621 12.25% 12 months ₹ 3 thousand to 1 crore
Canara Bank Gold Loan ₹ 3,506 to ₹ 4,621 10.25% 36 months ₹ 20 thousand to 50 lakh
Axis Bank Gold Loan ₹ 3,506 to ₹ 4,621 10.00% 3 to 36 months ₹ 10 thousand to 5 crore
SBI Gold Loan ₹ 3,506 to ₹ 4,621 9.75% 12 to 36 months ₹ 20 thousand to 50 lakh
Indian Bank Gold Loan ₹ 3,506 to ₹ 4,621 7.50% 3 to 36 months ₹ 20 thousand to 50 lakh
Bank of Baroda Gold Loan ₹ 3,506 to ₹ 4,621 10.25% 12 months ₹ 20 thousand to 50 lakh
Yes Bank Gold Loan ₹ 3,506 to ₹ 4,621 10.25% 12 months ₹ 10 thousand to 5 crore
IIFL Gold Loan ₹ 3,506 to ₹ 4,621 12.00% 11 months ₹ 3 thousand to 50 lakh
 

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Gold Loan Eligibility Criteria in Belgaum

Minimum and Maximum Age
21 Yrs – 60 Yrs
Note: However, many banks require a minimum age of 23 years
Loan Amount
Up to ₹ 2 Cr. Some banks restrict maximum eligibility to ₹ 20 Lakh
Interest rates are lower for a higher loan amount
Employment Type
Salaried and self-employed both are eligible
Businessmen are increasingly taking gold loans to meet their working capital requirements.
In fact, housewives, senior citizens who are not eligible for other loans because they have no income proofs can easily avail of gold loans.
Quality of Gold
Gold ornaments should range in between 18 to 24 Carats
An average gold price of 22-carat gold for the preceding 30 days is adjusted down for purity. So, the price of 20 Carat jewellery can be estimated by multiplying the price of 22 Carat jewellery by a factor of 20/22
CIBIL Score
Banks do not check CIBIL score for granting a gold loan
However, your repayment track record for a gold loan is counted towards your CIBIL score and hence, can be instrumental in building your CIBIL score
Gold ornaments that can be used for availing loan
Gold bars and coins
Gold with 18-24 carat purity
Employment track record and income proofs
Banks do not check your job stability or business stability to sanction you a gold loan. Gold loans are granted without income proofs. You only need to submit your basic KYC documents such as address proof, identity proof, and an Aadhaar card to avail of this loan.

Gold Loan Belgaum Eligibility & EMI Calculator

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Documents for Gold Loan Belgaum

At the time of application the following documents are required:

  • Proof of the citizenship of India
  • Duly filled application form
  • 2 passport-sized photographs
  • Applicant’s KYC documents to establish Identity and Address
  • Salary/ Income Proof
  • Witness Letter in case of illiterate borrowers
  • In the case of Agriculture Loan of more than Rs. 1 lac, land proof
  • Certificate by the Jewel Appraiser (Bank will arrange)

At the time of disbursement the following documents are required:

  • Demand Promissory Note & Demand Promissory Note Take Delivery Letter
  • Gold Ornaments Take Delivery Letter
  • Arrangement Letter

Eligibility Criteria for Gold Loan Belgaum

  1. The minimum age requirements of the individual should be 21 years and a maximum of up to 60 years.
  2. Should be an Indian National

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How to Apply for Gold Loan Belgaum

Online Process to Apply for Gold Loan Belgaum

You can apply for the Gold Loan at Dialabank. The process is straightforward. To begin, You have to fill a simple form online. After that, you will get a call back from our side. For more data, you can call on 9878981166. Dialabank is considered as the best platform to apply for a gold loan online. Reasons behind this.

  1. Dialabank is India’s first financial helpline; it provides the best business services to consumers all over the nation.
  2. The bank has a good repute among the consumers because of its best assistance.
  3. Another reason, if you apply for a gold loan on Dialabank, then you will get a low Gold loan Interest Rate.
  4. One more important thing is that Dialabank guides the customers free of cost.
  5. Also, while asking for a gold loan per gram through Dialabank, very limited paperwork is needed.
  6. One more thing is that you will get a high LTV of your gold.
  7. Ultimately, the Association supervisors are qualified adequately to guide you in the entire method of Gold Loan.
Offline Process to Apply for Gold Loan Belgaum

The candidate also has an alternative to avail of a Gold Loan from the nearby offices. To do so, seek Gold Loan near me on google. It will list all the nearby areas from where you can avail of the loan. Then, you will have to hit again and again until the loan support. Thus, it can be a really tiring and time-consuming method. So put your workload on Dialabank.

Processing Fees / Prepayment Charges on Gold Loan Belgaum

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

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EMI Gold Loan Scheme with Bullet Repayment Scheme Comparison

Monthly Payment EMI Scheme (₹)
Bullet Repayment (₹)
Month 1 27007 3625
Month 2 27007 3625
Month 3 27007 3625
Month 4 27007 3625
Month 5 27007 3625
Month 6 27007 3625
Month 7 27007 3625
Month 8 27007 3625
Month 9 27007 3625
Month 10 27007 3625
Month 11 27007 3625
Month 12 27007 3625
Bullet Payment (At the end of 12 months)
  ₹ 3 Lakh
Total Payment ₹ 3.24 Lakh ₹ 3.44 Lakh

CIBIL Score Required for Gold Loan Belgaum

Please have a good CIBIL score before applying for a gold loan, as it makes the process faster and better for you. Every lending institution has its criteria for the minimum CIBIL score required for processing a Personal Loan application in Belgaum. Most organizations want a minimum score of 750 to process your loan form. The companies don’t just look at the overall score but also the specific behaviour on the earlier loans taken. This covers details on the type of loan taken and the amount borrowed. Any deferred payments for previous loans can act as a hindrance to your availing of a fresh loan.

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Compare Gold Loan Rate Per Gram and Lowest EMI of All banks in Belgaum

Bank Interest Rate Lowest EMI Per Lakh
Eligible Loan Amount For Max Tenure
SBI Gold Loan 7.50% Rs. 3,111
Rs. 20 Lakh for 36 months
Muthoot Gold Loan 11.99% Rs. 3,321
Rs. 50 Lakh for 36 months
Manappuram Gold Loan 12.00% Rs. 8,885
Rs. 1 Cr for 12 months
HDFC Bank Gold Loan 9.90% Rs. 4,591
Rs. 50 Lakh for 24 months
Yes Bank Gold Loan 9.99% Rs. 3,226
Rs. 50 Lakh for 36 months
ICICI Bank Gold Loan 10.00% Rs. 8,792
Rs. 15 Lakh for 12 months
Federal Bank Gold Loan 8.50% Rs. 8,722
Rs. 75 Lakh for 12 months
Canara Bank Gold Loan 7.65% Rs. 8,683
Rs. 10 Lakh for 12 months
Andhra Bank Gold Loan 10.70% Rs. 8,824
Rs. 2 Cr for 12 months
Axis Bank Gold Loan 13.00% Rs. 4,754
Rs. 20 Lakh for 24 months
IndusInd Bank Gold Loan 10.00% Rs. 8,792
Rs. 10 Lakh for 12 months
PNB Gold Loan 8.75% Rs. 8,734
Rs. 10 Lakh for 12 months
Fincare Small Finance Bank Gold Loan 12.99% Rs. 11,721
Rs. 40 Lakh for 9 Months

Gold Loan Belgaum Agents

You can trust Dialabank while studying for a gold loan as Dialabank is the best agent for availing Gold Loan in Belgaum.

Apply online at Dialabank or ring at 9878981166

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Gold Loan Belgaum Contact Number

Call 9878981166 and get immediate help and support for Gold Loan in Belgaum.

Pre Calculated EMI Table for Gold Loan Belgaum

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

 

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About Belgaum

Belgaum (or Belagavi) is a city in the southwest Indian state of Karnataka. Circled by a moat, the large Belgaum Fort contains centuries-old mosques and the Kamal Basti, a Jain temple. In the city centre, the domed, 1950s Mahadev Temple sits in a park. The ancient Kapileshwara Temple is dedicated to Lord Shiva. Northwest is the pink-stone St. Mary’s Church, with carved Gothic arches and a teak-and-marble altar.

Other Places to Avail Gold Loan

Gold Loan Chikkaballapur Gold Loan Doddaballapur
Gold Loan Chikmagalur Gold Loan Gadag
Gold Loan Davanagere Gold Loan Gangawati
Gold Loan Devanahalli Gold Loan Gokak

Gold Loan Belgaum FAQs

✅ How to get Gold Loan in Belgaum?

A customer can either stroll in to the local gold loan giving bank branch with their gold and necessary documents such as an Aadhar Card and a PAN Card or fill out an inquiry form and apply online at Dialabank’s digital platform for better convenience and tailored help.

✅ How to calculate Gold Loan Interest?

The interest rate on a gold loan varies based on the lending institution, the amount of the loan, the loan term, the loan to value ratio, and the quality of the gold. Dialabank makes it simple to verify and compare these rates online.

Which bank is best for Gold Loan Belgaum?

Interest rates on gold loans vary based on the lending institution, the amount of the loan, the loan term, the loan to value ratio, and the quality of the gold. Dialabank makes it simple to verify and compare these rates online.