Gold Loan Darjeeling

Best Banks for Gold Loan in Darjeeling

Feature	Manappuram	Axis Bank	Yes Finance
Interest Rate	9.90%	12.50%	9.99%
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	3,124	3,073	3,069

Gold Loan Darjeeling Features

Gold loan Darjeeling Be strong financially! Short out of cash? Do not tense Gold Loan is available for you. This loan is unsecured with minimal documentation and less paperwork. This loan will get approved within 48 hours after the verification process.

Gold Loan online Darjeeling is an unsecured loan that provides financial help to customers at affordable interest rates. To get a Gold Loan, the consumer needs to have a rigid and good source of income and has a good credit history. Moreover, there is no end-use restriction on the use of the Gold Loan Darjeeling amount. You can use this amount of loan anywhere you want to do.

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 Darjeeling Interest Rates – Apr 18 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 Darjeeling – Apr 18 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 Eligibility Criteria in Darjeeling

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.

Documents for Gold Loan Darjeeling

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 Darjeeling Eligibility Criteria

The minimum age requirements of the individual should be 21 years and a maximum of up to 60 years.
Should be an Indian National

GOLD LOAN @ 0.75%*

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How to Apply for Gold Loan Darjeeling

Online Process to Apply for Gold Loan Darjeeling

You can apply for the Bank Gold Loan at Dialabank. The process is straightforward. You have to fill a simple form online.

After that, you will get a call back from our side. Furthermore, you will get a document to pick up the facility from your doorstep. For more information about the gold loan, you can call on 9878981166.

Dialabank is considered as the best platform when you are applying for a gold loan online. There are reasons behind this.

First of all, Dialabank is India’s first financial helpline; it offers the best financial services to customers all over the country.
Besides that, the bank has a good reputation among the applicants because of its best services.
Another reason, if you apply for a gold loan on Dialabank, then you will get a Lowest Gold Loan Interest Rate.
Also, Dialabank provides a document pickup facility from the doorstep of the customer.
One more important thing is that the Dialabank guides the customers free of cost. That is, there are no supplementary charges of applying for a gold loan online on the website of Dialabank.
Also, if you are applying for a gold loan per gram through Dialabank, very little paperwork is required.
You can avail of a high LTV of your gold.
In the end, the Relationship managers are trained enough to guide you in the whole process of Gold Loan.

Offline Process to Apply for Gold Loan Darjeeling

The applicant also has an option to get a Gold Loan from the nearby branches. To do so, type Gold Loan near me on google. It will show all the neighbouring departments from where you can avail of the loan. Then, you have to visit again and again until the loan approval.

You can avail loans from Gold Loan Branches. To find the nearest branch, search Gold Loan near me.

Processing Fees / Prepayment Charges on Gold Loan Darjeeling

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

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 Darjeeling

Every lending institution has its own norm for the minimum CIBIL score required for processing a Gold Loan application in Darjeeling. Most institution’s requirement is having a minimum score of 750 to process your loan application.

The institutions also check out the detailed behavior on the previous loans taken. This includes details on the type of loan taken and the loan amount borrowed. Any late payments for previous loans can create a barrier to your availing a fresh loan.

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

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 Darjeeling Agents and Contact Number

Dialabank is the leading and trustworthy agent for availing Gold Loan in Darjeeling. You can apply online at www.dialabank.com or call at 9878981166.

Dialabank helps you to find the best option of Banks and NBFCs by offering you with a detailed market comparison of different banks so that you can make the right choice. Visit our website www.dialabank.com and fill a form by filling your personal and employment details. Our relationship managers will get in touch with you who will guide you about the gold loan processing.

Pre Calculated EMI Table for Gold Loa Darjeeling

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 Darjeeling

Darjeeling is a city in West Bengal, India. It is noted for its tea industry, its views of Kangchenjunga, the world’s third-highest mountain, and the Darjeeling Himalayan Railway, a UNESCO World Heritage Site. Darjeeling is the headquarters of the Darjeeling district which has a partially autonomous status called Gorkhaland Territorial Administration within the state of West Bengal. It is also a popular tourist destination in India. It is under the body of the Darjeeling Municipality. The official languages spoken here are Bengali and Nepali.

Gold loan In Other Cities

Gold Loan Dibrugarh	Gold Loan Jammu
Gold Loan Godhra	Gold Loan Jamshedpur
Gold Loan Imphal	Gold Loan Yamunanagar
Gold Loan Jalna	Gold Loan Panipat

✅ How to calculate Gold Loan Interest?

Gold loan interest rates vary depending upon the lending institute, amount of loan availed, loan tenure, loan to value ratio, and quality of gold. One can easily check and compare these rates online with Dialabank.

✅ Which bank is best for Gold Loan in Darjeeling?

HDFC Bank currently offers the best gold loan services in India. Starting with the low rates of interest, HDFC Bank offers various other facilities like a personal locker for your gold, same day disbursement of the loan amount, and the highest LTV ratio, to name a few.