Gold Loan Bhagalpur

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Gold Loan Bhagalpur

Major Gold Loan Providers in Bhagalpur

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 Bhagalpur Features

gold loan BhagalpurGold held always great value all over the world, even in financial difficulties. In India, gold has a huge significance because it is considered to be a more treasured saving for every household. These days Gold Loans are provided against the gold items. Gold Loan is the only loan in the market available in few minutes.

  1. Gold Loan is the best way to get cash in a shorter span of time.
  2. This loan is secured against gold ornaments.
  3. Borrowers deposit their gold with the lending banks and get money on the value of that gold.
  4. Turn your Gold into Cash rather than keeping it idle at home.
  5. Apply Online and Get Approval in just 3 minutes.

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 Bhagalpur 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%

Gold Loan Per Gram For All Major Bank in Bhagalpur

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
Private Gold Loan ₹ 3,506 to ₹ 4,821 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 Bhagalpur

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 Bhagalpur Eligibility & EMI Calculator

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Documents for Gold Loan Bhagalpur

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 Bhagalpur

  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

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How to Apply for Gold Loan Bhagalpur

Online Process to Apply for Gold Loan Bhagalpur
  • Visit our site www.dialabank.com.
  • Enter your details and fill the form.
  • Our relationship manager will call and assist you through the entire process.

Avail your Gold Loan with Dialabank and get personalized assistance.

Dialabank is considered 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; it 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. if you apply for a gold loan on Dialabank, then you will get a low-Interest Rate.
  4. Also, Dialabank provides a document pickup facility from the doorstep of the customer.
  5. Dialabank guides the customers free of cost. That is, there are no additional charges of applying for a gold loan online on the website of Dialabank.
  6. Also, while applying for a gold loan through Dialabank, minimal paperwork is required.
  7. You will get a high LTV of your gold.
  8. Finally, the Relationship managers are trained enough to guide you in the entire process of Gold Loan.
Offline Process to Apply for Gold Loan Bhagalpur

The applicant also has an option to avail of a Gold Loan from the nearby branches. To do so, search Gold Loan near me on google. It will enlist all the neighbouring departments from where you can avail of the loan. Then, you will have to visit again and again until the loan gets approved.

Thus, it can be a very tiring and time-consuming process. But, with DialaBank you need not worry about documentation and time. Just give a call on 9878981166 and our relationship managers will assist you.

Processing Fees / Prepayment Charges on Gold Loan Bhagalpur

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
Private 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 Bhagalpur

No CIBIL score is required to avail of a gold loan in Bhagalpur.

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

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
Private 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 Bhagalpur Agents

Dialabank is spread throughout Bhagalpur and has connections with several banks and NBFCs that provide gold loans at low interest rates. DialBank helps you find the right bank for your interest and need. Just apply online at www.dialabank.com or give a call at 9878981166.

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Gold Loan Bhagalpur Contact Number

Call 9878981166 and get instant help and approval for a Gold loan in Bhagalpur.

Pre Calculated EMI Table for Gold Loan Bhagalpur

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 Bhagalpur

Bhagalpur is a city in the Indian state of Bihar. It is the second-largest city in Bihar. The city is world-renowned for its silk products. It is known in India as the “Silk City”. The Bhagalpur district is the Barari industrial Area and Kahalgaon industrial Area. If you need a gold loan in Bhagalpur is very simple just you have to fill-up the form and after that, we provide you with all information regarding gold loan and provide you best interest rate in the market.

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

गोल्ड लोन भागलपुर के बारे में हिंदी में जानिए गोल्ड लोन भागलपुर

Other Cities for Gold Loan in Bihar

Gold Loan Bihar Gold Loan Barh
Gold Loan Chapra Gold Loan Bhabua
Gold Loan Madhubani Gold Loan Danapur
Gold Loan Araria Gold Loan Sheohar

Gold Loan Mumbai FAQs

✅ What is a gold loan?

The gold loan also referred to as ‘loan against gold’ is a type of secured loan that a person can avail by keeping their gold ornaments as collateral security with the lender. Unlike other secured loans like car loans or home loans, a gold loan can be used for any purpose.

✅ What is the gold loan interest rate in Bhagalpur?

Gold loan interest is the monthly amount a borrower pays in addition to the principal loan amount. Different banks and financial institutes offer different rates of interest. On average, this rate varies between 10.50% and 12% per annum.