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⍟  Lowest Interest Rate of 0.79% p.m.

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    Gold Loan Dharwad

    Major Gold Loan Providers in Dharwad

    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 Dharwad Features

    Gold Loan Dharwad

    Are you running low on cash?

    Do you feel uncertain about your financial prospects?

    Gold Loans can be a good investment if you know how to use them. With minimum paperwork required, Gold Loans can be taken within much lesser time as compared to regular loans.

    Why Gold Loan Dharwad?

    Gold Loan Dharwad equips its customers with the best affordable gold loan interest rates. You can get a gold loan without much paperwork/documentation. But, if an applicant has a steady source of income along with clean credit history, they can get any loan verified and approved quicker.

    Due to the inconsistent market price of gold, you can receive a loan of up to 75 per cent of the market value of the gold.

    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 Dharwad Interest Rates – Jul 26 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 Dharwad – Jul 26 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 Dharwad

    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 Dharwad

    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

    Eligibility Criteria for Gold Loan Dharwad

    1. The age of the loan applicant should lie between 21 years to 60 years.
    2. Must recognize themselves as Indian citizens.

    gold loan

    How to Apply for Gold Loan Dharwad

    Online Process to Apply for Gold Loan Dharwad

    To apply for a gold loan from your favourite bank, you can use Dialabank for analyzing prices and pick the right one.

    You can fill and submit a simple form online, and our representatives will connect with you for further assistance.

    Besides, we give the document pick-up facility from your doorstep to reduce the commute and approval time in the whole process.

    You can know a lot more by ringing on 9878981144 anytime.

    Noted as the best choice for gold loan Online, Dialabank has so many reasons to be favoured over others:

    1. With the most reliable financial services across the nation, Dialabank is India’s first financial helpline.
    2. You don’t have to spend on our services. Dialabank does not charge its clients for gold loan applications through its website.
    3. A high Loan to Value of the gold is warranted for the borrower.
    4. The bank has a good image among its clients because of its world-class services.
    5. The low interest rate on gold loans can be acquired while applying through Dialabank.
    6. To save the customer’s time, there is a document pick-up facility from the customer’s doorstep.
    7. The minimum amount of documentation or paperwork is needed while applying through Dialabank.
    8. Relationship Managers of the bank ensure fast services and full assistance throughout the loan process.

    Offline Process to Apply for Gold Loan Dharwad

    You can also avail of a gold loan offline. If you search for gold loan banks near your home, you’ll find a list of nearby banks and NBFCs that can help you in a gold loan approval. First, you can select any of them. Then, you’ll have to visit them one by one. Dialabank helps in reducing people’s commute and provide adequate information to make the right decision.

    Loan approval is a difficult and time-consuming process. It would help if you visited those departments repetitively to get your loan approved. To save you from wasting your time, you can use Diaabank for examining the data for making your choice.

    Processing Fees / Prepayment Charges on Gold Loan Dharwad

    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%
    ICICI Bank Gold Loan
    0.25% to 1.50%
    2%, Nil foreclosure charges after 9 months
    SBI Gold Loan
    500/- to 0.50%
    Kotak Gold Loan
    1% to 2%
    2.25% of fore closure amount if closed 1 month ahead of the tenure.
    IIFL Gold Loan
    Muthoot Gold Loan
    Manappauram Gold Loan
    PNB Gold Loan
    0.70% to 1%
    Canara Bank Gold Loan
    Andhra Bank Gold Loan

    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 Dharwad

    No CIBIL score is required for Gold Loan in Dharwad.

    gold loan

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

    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 Dharwad Agents

    Dialabank is one of the leading and most trusted gold loan agents in Dharwad. You can apply online at the Dialabank website or Contact us at 9878981144.

    With a structured market comparison of different banks and NBFCs, Dialabank gives you a list of potential lenders you can trust for Gold Loans. Once you select them, you can visit our website and fill and submit a simple online form. Then, our relationship managers will get in touch with you to assist you in the entire process of Gold Loan.

    gold loan

    Gold Loan Dharwad Contact Number

    To get assistance for your loan approval in Dharwad, you can anytime call at 9878981144.

    Pre Calculated EMI Table for Gold Loan Dharwad

    5 Yrs
    4 Yrs
    3 Yrs

    gold loan

    About Dharwad

    Located in the north-western part of Karnataka, Dharwad, aka Dharawada, is a city that blended with Hubli in 1962 to form the twin cities of Hubli-Dharwad. Dharwad is famous for its Dharwad peda, which is a milk-based sweetmeat. Besides, the city is known for its spectacular beauty, temples, and Unkal Lake.

    हिंदी में जानने के लिए यहाँ क्लिक करें:गोल्ड लोन धारवाड़

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    gold loan

    Gold Loan Dharwad FAQs

    How to pay my loan against gold online?

    Any borrower can easily pay their loan EMI online using net banking, credit and debit cards, or by UPI payment available on their lender’s website. For some Banks and NBFCs, payment can also be made on Paytm wallet.

    Where to take a Gold loan/Loan against gold?

    You can take a loan against gold/gold loan either by going to the nearest bank branch with your gold and documents like Aadhar/PAN Card, or you can fill an enquiry form at Dialabank’s digital platform for better convenience and personalized assistance.

    How to renew my loan against gold?

    The renewal process for a loan against a gold/gold loan is simple. When your loan tenure is about to end, you need to visit the lender along with your documents and the agreement of your present loan. The lender will take the gold from the locker, and a revaluation of the gold is done on current market rates. You need to fill a renewal form and pay a minimal renewal fee, and your loan is then renewed.