Gold Loan Chidambaram

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    Gold Loan Chidambaram

    Major Gold Loan Providers in Chidambaram

    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 Chidambaram Features

    Tamil Nadu

    India has significantly witnessed growing popularity and demand for gold loan quite a few years back. Today’s market capture is shared by a large number of financial institutions. Herein, finding a reliable and secure source becomes difficult.

    As compared to banking companies, loan processing is much faster with NBFCs. Being a secured loan, people can avail Gold Loans ar much lower rate of interest. Although the maximum limit remains to be 75 per cent of the market value of the ornament, a loan availed against gold helps you avoid the costly credit card payments since the gold loan interest rate is lower. Make sure you have a rigid and good source of income and has a good credit history.

    Gold Loan Chidambaram Interest Rates

    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%

    To check Gold Loan Interest Rate for all major banks you can visit:  Interest Rate on Gold Loan  

    Documents for Gold Loan Chidambaram

    • Identity Proof: Passport Copy/ Voter ID card/ Driving License/ Adhaar card.
    • Address Proof: Ration card/ Telephone or Electricity Bill/ Rental Agreement/ Passport copy/Trade or Shop License/Sales Tax certificate.
    • Signature Proof: Passport Copy/Driving License/Banker’s verification or cheque.
    • 2 passport sized photographs.

    Additional Documents Required for Gold Loan Chidambaram

    • Land Proof (For Agriculture Loan exceeding Rs. 1 lac; not required for allied agriculture purpose).
    • A Demand Promissory Note.
    • Certificate by Jewel Appraiser (Bank will arrange).
    • Income Proof (Salary Certificate and Form No.16)

    Eligibility Criteria for Gold Loan Chidambaram

    • Nationality: Indian
    • Age Limit: 21-60 years

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    How to Apply for Gold Loan Chidambaram

    Online Process to Apply for Gold Loan Chidambaram

    • One can apply for HDFC Bank Gold Loan via Dialabank.
    • Fill a simple form online.
    • Our representative will contact you.
    • Document pick up facility available from your doorstep.
    • For more information, visit our website.

    Dialabank is considered as the best platform to apply online for a gold loan as:

    • We are India’s first financial helpline having 11 years of experience in this field.
    • We provide the best financial services to our customers over 18 cities all over India.
    • We have no additional charges on the loan application.
    • One can get a high LTV of gold with complete safety and security.
    • We have a good reputation among our customers because of our transparent and instant services.
    • Apply for a per gram gold loan   on Dialabank and get a low-interest rate.
    • We provide a document pickup facility from the doorstep of the customer.
    • While applying for a loan with us, very few documents are required to ease the process.
    • Relationship managers are trained thoroughly to serve you in the entire process.
    Offline Process to Apply for Gold Loan Chidambaram
    • Search Gold Loan near me on google.
    • A list of all the branches of banks and finance companies providing loans near you appear.
    • Select them according to your preference and knowledge.
    • Visit suitable department and apply for the loan.
    • You will be asked to visit many times before than loan gets finally approved.

    Some banks and finance company where this process is much faster include HDFC Gold Loan and Muthoot Gold Loan. One can avail loans from HDFC Gold Loan Branches. To find a branch that is nearby, search Muthoot Gold Loan near me and Google will enlist all the Muthoot Gold Loan Branches near you.

    Dialabank can do that for you reliably and easily!

    Processing Fees / Prepayment Charges on Gold Loan Chidambaram

    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

    CIBIL Score Required for Gold Loan Chidambaram

    A good CIBIL score is a prerequisite for availing of the gold loan. Each lending institution has its criteria for the minimum CIBIL score of 700-750 which is required for processing the application.

    Apart from the score, the detailed behaviour on the previously taken loan is also necessary. Details on the type of loan taken and the amount borrowed are kept in mind before granting a loan. Delayed payments for previous loans can act as a barrier for availing a fresh loan. So make sure your CIBIL score is good before you apply for a loan!

    Gold Loan Chidambaram Agents

    You can apply online on our website Dialabank or contact 9878981166.

    As mentioned earlier, one of the leading and most trusted gold loan agents is Dialabank. We help you find the best option between several Banks and NBFCs by providing a detailed and structured market comparison of different banks. Visit our website to fill a simple form asking for some details. Our Customer Relationship Manager will get in touch with you. So, no need to worry about the complex process you have to go through and hence you can make the right choice!

    Gold Loan Chidambaram Contact Number

    Contact 9878981166 for instant help and approval for Gold Loan.

    Pre Calculated EMI Table for Gold Loan Chidambaram

    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

    About Chidambaram

    Chidambaram is a town in the state of Tamil Nadu, which is believed to have a significant antique value. Also known as the temple city, the town is famous for Thillai Nataraja Temple, Thillai Kali Temple and the annual chariot festival which is held in December. Tourism is the occupation of most of the state natives due to expansion in this sector.