Gold Loan Bidhal

Gold Rate: ₹ 5,340 Per Gram

Interest Rate 7.0% p.a. ⍟

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All About Gold Loan Bidhal

What is a Gold Loan?

The banks and NBFCs are providing the funds on the basis of the gold reserves presented to them

These funds are known as the gold loan which can be availed by using the gold ornaments which are not in use.

The banks and NBFCs do provide these loans of almost equal values of the gold.

Gold Loan Bidhal Interest Rates:

Gold Loan Bidhal

Check the Interest Rates

  1. The 10.5% is the starting interest rate which is being charged by the banks.
  2. The time of Gold Loan Bidhal is about 4 years.

Why should one choose Gold Loan Bidhal?

  1. The loans have the facility of pre-closure.
  2. A few documents are needed in Gold Loan Bidhal
  3. Rs 18,000/- is the lowest interest rate.
  4. There no fines in Gold Loan Bidhal

Eligibility:

Age

Minimum:18 year

Maximum (at loan maturity): 70 year

Gold requirements

Minimum 10 gram of gold

Loan Amount

Minimum: 15k

Maximum: No Limit

Citizenship

Indian

Employment Status

Salaried

Self-employed

Documents Required :

Documentation

Borrower Identity

Two passport size colored photographs

Proof of Identity

Passport Copy/ Voters ID card/ Driving License/Adhar card/ PAN card.

Residence Proof

Ration card/ Tel, Electricity Bill/ Rental bill/ Passport copy/Trade license /Shop & Est. License/Sales Tax certificate.

Signature Proof

Passport Copy/Driving License/Banker’s verification/cheque

Additional Documents Required

Additional Documentation

Land Proof

In the case of Agriculture Loan of more than Rs. 1 lac. The proof is not necessary for allied agriculture purposes.

Demand Promissory Note

Certificate by the Jewel Evaluator(Bank will arrange).

Income proof

Salary Certificate and Form No.16.

Features of Gold Loan Bidhal:

Following are the Features of Gold Loan:

  1. Rs 1 Crore is the maximum amount which can be borrowed in these loans.
  2. More safety and security are provided by the lenders to your gold than you.
  3. There is no time for applying for these loans.
  4. The rates of interest will be decreased if these loans have the purpose in agriculture.
  5. A minimum need of documents is provided in Gold Loan Bidhal.
  6. The processing time of Gold Loan Bidhal is in hours.
  7. The over drafting can be done by the applicants.

About Bidhal

Bidhal is the town Sonepat district of Haryana. The population of the place is 3,422 (2011 Census). The gold loans are very easy here to access.

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