Gold Loan Bhilwara

Best Banks for Gold Loans in Bhilwara

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 Bhilwara Features

Are you looking for a way to purchase a new machine for your business to lower the cost of production? Is your company going through some rough times and you need some extra financial help? Getting intimidated by so many different loaning schemes that you are not able to decide which one to take? We are here to help you.

With Gold Loan Bhilwara you can quickly get the required funds to turn your dream into reality. You can use it for paying your medical expenses, or you can use it for funding your daughter’s college fees. In addition to this, as you are providing collateral banks are more than willing to offer you lower interest rates on these loans. Gold Loan is a reliable and convenient loan scheme to eliminate all of the financial worries. It is a secured loan available within a few minutes.

Gold Loan Bhilwara Interest Rates – Apr 26 2024

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 Bhilwara – Apr 26 2024

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

GOLD LOAN @ 0.75%*

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Gold Loan Eligibility Criteria in Bhilwara

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 Bhilwara Eligibility & EMI Calculator

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Documents for Gold Loan Bhilwara

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 Bhilwara

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 Bhilwara

Online Process to Apply for Gold Loan Bhilwara

Applying for a Gold Loan is easy with Dialabank. To begin, you have to fill a simple form online available on the website.

After that, you will receive a call back from our expert relationship manager. Furthermore, you will get a document to pick up the facility from your doorstep. For more information, you can also call at 9878981166.

Dialabank is considered the best platform to apply for a gold loan online. The reason behind it is:

1. Minimum documentation.
2. Low-interest gold loan facility
3. DialaBank is spread across the country.
4. It has an association with the top leading financial institutions.
5. DialaBank provides an easy pick-up facility from your home.
6. Expert relationship managers guide you at every step.

The process of applying online is simple:

1. Just click on dialabank.com.
2. Fill in the necessary details as required in the form.
3. Request a quote.
4. Sit back and relax while our relationship manager contacts you.

Offline Process to Apply for Gold Loan Bhilwara

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 the branch personally to get the loan approved. Thus, it is highly recommended to apply with DialaBank and enjoy the services sitting at your own home. The process is not only time saving but also cost-free.

Processing Fees / Prepayment Charges on Gold Loan Bhilwara

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 Bhilwara

Provided that your basic eligibility criteria and documentation requirement is met, you do not require a CIBIL score to avail of the gold loan in Bhilwara.

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

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 Bhilwara Agents and Contact Number 

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

Dialabank helps you 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 choice. Visit our website and fill a simple form with your personal and employment details. Our customer relationship managers will soon get in touch with you.

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Pre Calculated EMI Table for Gold Loan Bhilwara.

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 Bhilwara

The city of Bhilwara is in the Mewar region of Rajasthan, India. Bhilwara has a population of 2,410,459. The major industry is textiles with more than 400 manufacturing units in the town. It is also the only centre in the country producing insulation bricks.

गोल्ड लोन भीलवाड़ा के बारे में हिंदी में जानिए गोल्ड लोन भीलवाड़ा

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Car loan In Other Cities

Gold Loan Kavali	Gold Loan Bengaluru
Gold Loan Khammam	Gold Loan Chandranagar
Gold Loan Nacharam	Gold Loan Rampurhat
Gold Loan Narasaraopet	Gold Loan Ranipettai

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

Gold Loan Bhilwara 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.

✅ What happens if you don’t repay a gold loan?

If the borrower is unable to return the gold loan on time, then the bank is liable to sell his gold ornaments.

✅ Is a co-applicant needed to get a gold loan?

To, to avail Gold loan you don’t need any co-applicant

✅ 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.