Major Gold Loan Providers in Bhagalpur
Feature
HDFC Bank
SBI
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
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 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.
- Gold Loan is the best way to get cash in a shorter span of time.
- This loan is secured against gold ornaments.
- Borrowers deposit their gold with the lending banks and get money on the value of that gold.
- Turn your Gold into Cash rather than keeping it idle at home.
- 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
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
- The applicant should be at least 21 years of age
- The applicants’ age should not be more than 60 years
- 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.
- Dialabank is India’s first financial helpline; it provides the best financial services to customers all over the country.
- The bank has a good reputation among the customers because of its best services.
- if you apply for a gold loan on Dialabank, then you will get a low-Interest Rate.
- Also, Dialabank provides a document pickup facility from the doorstep of the customer.
- 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.
- Also, while applying for a gold loan through Dialabank, minimal paperwork is required.
- You will get a high LTV of your gold.
- 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
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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
|