GET GOLD LOAN
AT LOWEST INTEREST RATE

⍟  Highest Rate Per Gram
⍟  Lowest Interest Rate of 0.79% p.m.

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    Gold Loan Berhampur

    ✅ Is a gold loan secured?

    Yes, it is essential to note that the loan on gold comes in the category of secured loans. Because in a gold loan the applicant put their gold ornaments into the bank’s locker as security or as collateral.

    ✅ Is a gold loan better than a personal loan?

    Yes, a Gold loan is better than a personal Loan because in Gold Loan banks/NBFC’s takes Gold ornament as well as a gold coin as collateral and in the case of a Personal loan it is unsecured and hence carries higher interest than a gold loan.

    ✅ What is the best online platform to get a gold loan online?

    Dialabank is the best platform to get a loan. Dialabank provides you with a hassle-free process as well as the lowest interest rate in the market as compared to others.

    ✅ Is there any fee payable?

    Yes, you have to pay the loan processing fee (non-refundable) as well as the Valuation fee.

    Best Banks for Gold Loan in Berhampur

    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 Berhampur Features

    gold loan berhampurYour gold is an asset that can help you during a monetary crunch or when you are in need of urgent lumpsum money in hand. A gold loan is a type of secured loan in which gold is kept as security in exchange for financial help.
    The main features of the gold loan in Berhampur are:
    1. Less processing time.
    2. No hidden charges.
    3. Fast Loan disbursal.
    4. No credit checks.
    5. No co-signer needed.
    6. Prepayment facility

    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 Relationship Manager on 9878981144

    Gold Loan Berhampur Interest Rates – Aug 06 2021

    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 Berhampur – Aug 06 2021

    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

    gold loan

    Gold Loan Eligibility Criteria in Berhampur

    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 Berhampur Eligibility & EMI Calculator

    Documents for Gold Loan Berhampur

    At the time of application the following documents are required:

    At the time of disbursement the following documents are required:

    Eligibility Criteria for Gold Loan Berhampur

    1. The applicant should be at least 21 years of age
    2. The applicants’ age should not be more than 60 years
    3. He/she should be a national citizen

    gold loan

    How to Apply for Gold Loan Berhampur

    Online Process to Apply for Gold Loan Berhampur
    Dialabank is taken as the best platform to apply for a gold loan online. The reasons are the following:
    1. Dialabank is India’s first financial helpline; it offers the best financial services to its customers in India.
    2. The bank has a good reputation among the customers because of its fast and best services.
    3. Gold Loans can be availed at a low-interest rate with minimal documentation requirements.
    4. There is no processing fee or supplementary charges for availing the facilities through Dialabank.
    5. The Relationship managers of Dialabank are trained and guide the consumer without any hesitance.
    Offline Process to Apply for Gold Loan Berhampur

    The applicants need to seek the nearby branches of the banks offering Gold Loans and visit them at their working hours. Thereafter, their relationship manager will assist you according to your needs requiring repeated visits to the nearest branch.

    The applicant also has to avail Gold Loan through the offline process. This needs market research as well as some manual efficiency.

    Processing Fees / Prepayment Charges on Gold Loan Berhampur

    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

    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 Berhampur

    Most of the major banks and NBFCs provides Gold Loan irrespective of the CIBIL score. The applicant must have all the necessary documents and must fulfil the eligibility criteria.

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

    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 Berhampur Agent and Contact Number

    Dialabank provides you guidance to find the best option for Banks and NBFCs by providing you with a detailed market comparison of different banks so that you can make the right decision. Visit our website www.dialabank.com and fill a simple form. Our customer relationship managers will soon get in touch with you.

    You can apply online at www.dialabank.com. Also, give me a call at 9878981166.

    Gold Loan Berhampur Contact Number

    Call 9878981166 and get instant help and approval for a gold loan in Berhampur.

    Pre Calculated EMI Table for Gold loan Berhampur

    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 Berhampur

    Berhampur also is known as Brahmapur is a city on the eastern coastline of the Ganjam district of the Indian state of Odisha in East India. It is known as the home of Lord Brahma and is usually known as the silk city- the city which is famous for the lustrous ikkat silk sarees in different colours and patterns.

    Special Note: Always check Gold Loan Rate Per Gram before applying for a loan against gold.

    गोल्ड लोन ब्रह्मपुर के बारे में हिंदी में जानिए गोल्ड लोन ब्रह्मपुर


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    Gold Loan Berhampur FAQs

    ✅ How does the gold loan work?

    The loan on gold is very simple to understand. The Banks /NBFC provides you with funds against your gold ornament. The amount depends upon the gold weight.

    ✅ Is a gold loan secured?

    Yes, it is essential to note that the loan on gold comes in the category of secured loans. Because in a gold loan the applicant put their gold ornaments into the bank’s locker as security or as collateral.

    ✅ Is a gold loan better than a personal loan?

    Yes, a Gold loan is better than a personal Loan because in Gold Loan banks/NBFC’s takes Gold ornament as well as a gold coin as collateral and in the case of a Personal loan it is unsecured and hence carries higher interest than a gold loan.

    ✅ What is the best online platform to get a gold loan online?

    Dialabank is the best platform to get a loan. Dialabank provides you with a hassle-free process as well as the lowest interest rate in the market as compared to others.

    ✅ Is there any fee payable?

    Yes, you have to pay the loan processing fee (non-refundable) as well as the Valuation fee.

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