Gold Loan Bilaspur

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 Bilaspur

    Major Gold Loan Providers in Bilaspur

    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 Bilaspur Features

    gold loan bilaspurYour gold is an asset that can help you during a financial 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 collateral security in exchange for monetary help.
    Many banks and NBFCs in India offer this financial service that can be easily availed by anyone.
    • You can get a loan of up to Rs.1 Crore or more & up to 75% of value for any purpose.
    • You get 100% Safety & Security of your Gold Jewelry
    • Get your Loan processed in less than 30 minutes
    • Enjoy Anytime Liquidity.
    • No EMI, Service only Interest and enjoy the Loan facility
    • Lower Interest Rates
    • Simple documentation and fast processing.
    • The overdraft limit varies depending on the market rate of gold.
    • The interest rate is payable, the only amount of the overdraft that you use.


    gold loan

    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 Bilaspur Interest Rates Oct 28 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

    Gold Loan Per Gram For All Major Bank in Bilaspur Oct 28 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 Eligibility Criteria in Bilaspur

    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

    Documents for Gold Loan Bilaspur

    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

    Gold Loan in Bilaspur Eligibility Criteria 

    1. The applicant should be between the age group of  (minimum) 21 to 60 (maximum).
    2. The applicant’s nationality must be INDIAN.


    gold loan

    How to Apply for Gold Loan Bilaspur

    Online Process to Apply for Gold Loan Bilaspur

    You can easily apply for the Gold Loan in available banks such as ICICI, Axis, HDFC and others through Dialabank online by filling up a simple, user-friendly form.

    In a short time, you will receive a call from our trained representative. Furthermore, Dialabank provides you with a pick-up facility of your documents from your doorstep.

    For further information, you can call on +919878981166 anytime.

    Consider Dialabank as the best platform to apply for a gold loan online because it is rated the best by its users. There are many reasons behind this; some of them are:

    1. Dialabank is the first financial helpline in India, providing the best known financial services to its customers all over the country.
    2. Dialabank guides the customers cost-free, as it charges no additional cost of applying for a gold loan per gram online on the website of Dialabank.
    3. You can get a high Loan-to-Value (LTV) of your gold with Dialabank.
    4. Dialabank is connected with leading Banks such as HDFC, ICICI, Axis, Muthoot, Yes bank and many others.
    5. Besides that, the bank has a high reputation among its customers because of its best and fast services.
    6. Applying for a gold loan on Dialabank will get a low Gold Loan Interest Rate.
    7. Dialabank provides a facility for document pickup from the applicant’s doorstep to ease the process.
    8. Processing your gold loan through Dialabank requires minimum paperwork.
    9. Finally, the Relationship managers are highly trained to guide and serve you in the entire process of Gold Loan.

    Offline Process to Apply for Gold Loan Bilaspur

    The applicant can also choose to avail of Gold Loan from the nearby physical branches. This can be done by searching ‘Gold Loan near me’ on google. It will enlist all the closest branches of banks and finance companies providing loans near your location. Would you please select them according to your preference and knowledge? However, Dialabank can do that for you in a quicker and organized manner.

    But if you choose to go with a physical branch that is near you, the applicant might have to visit the responsible departments to apply for the loan, again and again, before than loan gets finally approved as it is a complex process. However, some banks and finance companies can approve the loan process faster. Our recommendations are HDFC Gold Loan branches and Muthoot Gold Loan branches. But again, Dialabank can do this even faster by handling all complex processes. You need to apply to believe.

    Processing Fees / Prepayment Charges on Gold Loan Bilaspur

    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


    gold loan

    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 Bilaspur

    You can improve your CIBIL Score by repaying the Gold Loan Amount on time. No CIBIL score is considered for granting gold loans to the customer.


    gold loan

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

    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 in Bilaspur Agents

    One of the leading and most trusted gold loan agents in Bilaspur is Dialabank. You can apply online at Dialabank or give us a call.

    Dialabank works as a bridge to find the best option between several Banks and NBFCs by providing you with a detailed and structured market comparison of different banks. This eliminates the unnecessary worries about the complex information and process you have to go through. So, you can make the right choice. Visit our website Dialabank to fill a simple form for more details, and our customer relationship managers will soon get in touch with you.

    Contact Number – +919878981166


    gold loan

    Gold Loan Bilaspur Contact Number

    Call 9878981144 and get instant help and approval for Gold Loan in Bilaspur.

    Pre Calculated EMI Table for Gold Loan Bilaspur

    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


    gold loan

    About Bilaspur

    Bilaspur is situated in the state of Chhattisgarh. It is known for its aromatic Doobraj rice, Samosa, and handloom weaved colourful soft Kosa silk Saris. It is popular for its diverse, varied, and colourful culture.

    गोल्ड लोन बिलासपुर के बारे हिंदी में जानिए: गोल्ड लोन बिलासपुर


    Gold loan In Other Cities

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    Gold Loan Imphal Gold Loan Yamunanagar
    Gold Loan Jalna Gold Loan Panipat


    gold loan

    Gold Loan Bilaspur FAQs

    ✅ What is a gold loan?

    The gold loan also referred to as a 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.

    ✅ How to get a loan in Bilaspur?

    To get a loan in Bilaspur, a borrower can either visit the nearest gold loan offering bank branch with their gold and basic documents such as Aadhar card, pan card, or they can fill an inquiry form online at Dialabank digital platform for better convenience and personalized assistance.

    ✅ What happens if the gold loan is not paid?

    After 3 warnings, the bank is legally permitted to auction off the gold.