Gold Loan Churu

Gold Rate: ₹ 5,121 Per Gram

⍟ Interest Rate 7.0% p.a. ⍟

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Unlock the Real Value of your Gold
Lowest Rate of Interest
Get Money in 30 Mins
Loan Amount Up to 1 Crore
Loan Tenure Up to 48 Months
Unbiased Experts Advice

Best Banks for Gold Loan in Churu

Feature
HDFC Bank
ICICI Bank
Muthoot Finance
Interest Rate
9.90%
10.50%
12%
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
Preclosure Chgs
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
2500
2600
2700*

If you need cash immediately for any financial emergency and anxiously looking for an efficient way out of the current situation, then Gold loan Churu may be the best option available to you. The reason for opting for the gold loan is its fast disbursement and very little paperwork involved in the loan process. The average time in the disbursement process is around thirty to forty minutes.

Read More – About Gold Loan

Gold Loan Rates Per Gram Today in Churu

Updated - Gold Loan Per Gram Rate w.e.f 1 Nov 2020

Gold Weight Gold Purity
24 Carat
Gold Purity
22 Carat
Gold Purity
20 Carat
Gold Purity
18 Carat
1 gram 4680 4290 3900 3510
10 gram 46800 42900 39000 35100
20 gram 93600 85800 78000 70200
30 gram 140400 128700 117000 105300
40 gram 187200 171600 156000 140400
50 gram 234000 214500 195000 175500
100 gram 468000 429000 390000 351000
200 gram 936000 858000 780000 702000
300 gram 1404000 1287000 1170000 1053000
400 gram 1872000 1716000 1560000 1404000
500 gram 2340000 2145000 1950000 1755000

Gold Loan Churu Interest Rates

Feature
Gold Loan
Interest Rate
Processing Fee
Tenure
HDFC Gold Loan 9.90% 0.25 % - 1.50% 3 - 24 Month
ICICI Gold Loan 10.50% 0.25 % - 1.50%  9 - 24 Months
Axis Gold Loan 10.50% 0.50% - 1.50% 6 - 24 Months
Yes Bank Gold Loan 10.50% 0.50% - 1.50% 6 - 36 Months
SBI Gold Loan 9.50% 500/- to 0.50% 6 - 36 Months
Kotak Gold Loan 11.00% 1% to 2% 9 - 24 Months
IIFL Gold Loan 12.00% Nil 3 - 11 Months
Muthoot Finance Gold Loan 12.00% Nil 1 - 24 Months
Manappuram Gold Loan 12.50% Nil 6 - 12 Months
PNB Gold Loan 11.00% 0.70% to 1% 6 - 12 Months
Canara Bank Gold Loan 10.75% 1 % 6 - 12 Months
IndusInd Bank Gold Loan 11.50% 1% - 1.5% 9 - 24 Months

10.70% is the minimum annual interest rate you can expect on Gold Loan Churu. Therefore, the monthly interest rate would end up being lower than 1%. Also, by paying the preclosure charges you can foreclose your mortgage. You can get your collateral gold back before the tenure ends, by using Gold Loan Churu. The preclosure costs range from 0-3% of the total loan amount.

Benefits of taking Gold Loan Churu

  1. The first point to be noted is; the interest rates are lower than any other loaning scheme.
  2. Moreover, the loan amount depends on the collateral of the applicants always.
  3. As a result, you can expect your loan amount to be almost 80% of the collateral in market value.
  4. Furthermore, NBFC will hold full responsibility for your gold that is safely locked in the vault.
  5. Both salaried and self-employed applicant is eligible to take this loan and use it according to their needs.

Know More –  Gold Loan Features and Benefits

Gold Loan Churu Eligibility Criteria

  1. The minimum age of the applicant should be 18 years
  2. After that the maximum period of an applicant at loan maturity: 65 years
  3. Gold jewelry given for loan should be of the applicant or any of the family members.
  4. The purity range should be from 18 Karat to 22 Karats of collateral.
  5. Also, at the time of evaluation, the weight should be at least 10 grams.
  6. Mandatory thing is, the applicant should be a citizen of India.
  7. Rs. 18,000 is the minimum loan amount for taking a gold loan.
  8. The weight of the gold, profile of the customer, will be the crucial things for the maximum loan amount.

Know More – Gold Loan: Factors to Remember

Gold Loan Churu Documents Required

  1. Proof of Identity: Driving License /Voters ID card/ Passport Copy
  2. 2 passport size photographs.
  3. Address Proof: Passport copy/Trade license /Shop & Est. License/Sales Tax certificate/
  4. Ration card/ Tel, Electricity Bill/ Rental bill
  5. Signature Proof: Banker’s verification/Cheque /Passport Copy/Driving License.

Why Gold Loan Churu is one of the best loaning options?

  1. Your loan gets an approval within 15 minutes of applying.
  2. Moreover, Gold Loan Churu have easy repayment options.
  3. Thus, making it easier for an applicant to pay the loan amount back.
  4. Furthermore, you are free to use the principal amount of the loan.
  5. The processing fee of Gold Loan Churu is almost negligible in comparison to other loaning schemes.
  6. Likewise, the loan amount ranges from 20,000 Rs to 1 Crore depending. Therefore, it can be used for both big and small financial needs.
  7. Lastly, both salaried and self-employed applicant is eligible to take this loan and use it according to their needs.

How to avail of Gold Loan Churu Online?

Gold Loan Churu

  1. Firstly, visit our website that is Dialabank
  2. Secondly, the applicant has to fill a form Online which involves necessary information.
  3. After this, you will get a call back from our Relationship Manager to clear all doubts as well as to assist you in the entire process of the Gold Loan.
  4. Next, the applicant can check his /her eligibility for further clarification of the approval of a gold loan.
  5. Moreover, Submit all the documents needed as proof in the bank.
  6. Gold loan is approved in some minutes and disbursed within a day.
  7. Lastly,  call us directly for any quires at 9592046860, to clear any doubts.

Know More – Best Gold Loan Services

About Churu

The town of Churu is the desert region of Rajasthan state of India. Churu is known as the gateway to the Thar Desert of Rajasthan. It is considered the administrative headquarters of Churu District. Connecting Pali to Ambala, it lies in the Thar Desert on the National Highway-65. Churu is a district that has an enchanting topography amidst the Thar Desert atmosphere. It had a population of 97,627. It is a medium-sized industry in the industrial area.

FAQs About Gold Loan

  1. How does  Gold Loan work?
    A loan on gold is very simple to understand.  You are provided with funds against your gold ornaments from The Banks /NBFCs. The amount of loan entirely depends upon the gold weight.
  2.  Gold Loan is secured?
    Yes, a very important thing to note is a loan on gold comes in the category of secured loans. The applicant puts their gold ornaments into the bank’s locker as security or as collateral in a gold loan.
  3. Circumstances when you don’t repay a Gold Loan?
    The bank is liable to sell the gold ornaments if the borrower is unable to return the gold loan on time.
  4. Any need for a co-applicant while applying for a gold loan?
    No, there is no need for any co-applicant to avail the Gold loan.
  5. Is a Gold loan better than a Personal loan?
  6. Yes, banks/NBFC’s takes Gold ornament as well as a gold coin as collateral and in the case of a Personal loan, it is un-secured and hence carries higher interest than a gold loan. Hence,  a Gold loan is better than a Personal Loan.
  7. Which is the best online platform to avail gold loan?
    Dialabank is the best platform to get a loan. Dialabank, helps you get a loan through problem-free processes and provides the lowest interest rates as compared to any other bank in the market.
  8. Is there any fee payable for the Gold Loan?
    Yes, you have to pay the loan processing fee (non-refundable) as well as the Valuation fee.

Gold Loan Interest Rate of  Different Banks – Updated in 2019

Bank  Gold Loan Rate 
HDFC Bank 10.75%
Yes Bank  10.85%
Axis Bank 10.90%
SBI Gold Loan 11.50%
ICICI Bank 11.75%
IIFL Gold Loan 11.75%
Allahabad Bank Gold Loan 11.75%
Muthoot Gold Loan 12.00%
Federal Bank Gold Loan 12.00%
Manappuram Gold Loan  12.25%
IDBI Bank 12.25%
PNB Gold Loan 12.25%

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