Major Gold Loan Lenders in Dhenkanal
The leading banks and NBFCs of Gold Loan Dhenkanal are as follows:
Feature
HDFC Bank
SBI
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
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 Dhenkanal Features
Soaring gold costs are not benefiting battered portfolios!
It is additionally helping people tide over a brief money crunch. With family unit earnings pressed because of pay cuts and position misfortunes, an ever increasing number of individuals are queueing up to take credits against physical gold.
Specialists are totally supportive of acquiring against gold.
- Different roads like individual advances or charge cards involve enormous costs that can put desperate borrowers under further pressure later.
- Gold loan advances are reasonable and feasible.
Gold Loan Dhenkanal Interest Rates
Gold Loan Dhenkanal causes you to meet your pressing money needs with the equivalent day credit dispensing highlight. Gold Loan Interest Rate ranges from 9.24-24 % per annum.
Gold Loan Rate per Gram totally relies on the quality/virtue of the gold being kept as insurance security.
Since the gold rate changes every day, the Gold Loan Rate per Gram likewise fluctuates as per the market variations. In the wake of figuring the estimation of your gold utilizing the Gold Loan Calculator, the bank sanctions you 70% of the gold incentive as the advance sum and keeps 30% as a security edge sum.
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%
Documents for Gold Loan Dhenkanal
- Proof of Identity (any one of these): Passport Copy/ Voters ID card/ Driving License/Aadhaar card.
- Address Proof (any one of these): Ration card/ Tel, Electricity Bill/ Rental bill/ Passport copy/Trade license /Shop & Est. License/Sales Tax certificate.
- Signature Proof (any one of these): Passport Copy/Driving License/Banker’s verification/cheque.
- 2 passport size photographs.
- Duly filled and signed application form of Gold Loan.
- Post-disbursement documents (if any).
Additional Documents Required for Gold Loan Dhenkanal
- If the applicant wants to avail a gold loan of more than Rs. 1 lakh for agricultural purposes, the proof of agricultural land needs to be presented before the bank.
- The applicant should submit a Demand Promissory Note to the bank.
- Certificate by the Jewel Appraiser (Bank will arrange).
- Income Proof: The applicant can be asked to present the Salary Slip of the past 3 months and Form No.16 before the bank.
- PAN Card (not mandatory).
Eligibility Criteria for Gold Loan Dhenkanal
The magnificence of gold advances is that most grown-ups who own gold would be qualified. On the off chance that you need to apply, you can look at the qualification standards recorded underneath:
- Age: If you are an Indian Citizen of over 18 years however under 75 years, you in fact fit the bill for a gold advance.
- The nature of gold: The gold that you would need to keep as a guarantee with the bank ought to be between 18 to 22 karats; in the event that you keep bank-printed coins, they must be 24 karats.
- The applicant must be a permanent Indian citizen between the age of 18 to 70 years.
- The applicant must be the rightful owner of the gold pledged with the bank.
- The gold pledged with the bank must not be less than 10 grams in weight.
GOLD LOAN @ 0.75%*
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How to Apply for Gold Loan Dhenkanal
Apply Online for Gold Loan Dhenkanal
Presently you don’t need to go to the bank to get a gold credit. You can benefit the advance effectively sitting in your office or unwinding at home through Dialabank. Follow the steps to achieve the best gold loan for you.
Step1: Visit Dialabank
Step 2: Go to the Loans tab and click on gold credit. You will be required to fill an online form to the sum you need to acquire, the residency, your city and address, your own subtleties, for example, name, date of birth, contact number, email Id, and so forth and proceed to see offers.
Once you are done, you’ll receive a call from our Single Relationship Manager to assist you further. We also facilitate you with our pick service for your document verification from our end.
For more details, feel free to call at 9878981166.
Apply Offline for Gold Loan Dhenkanal
Candidates can likewise profit the gold credit in disconnected mode by reaching the closest bank office close to them.
- The indexed lists on Google will enroll a few banks and their close by branches. Approach the banks with the necessary archives and documents.
Be that as it may, there is a brisk advance dispensing process at certain banks and NBFCs like HDFC Bank, Private Bank, and Muthoot Finance.
Processing Fees / Prepayment Charges on Gold Loan Dhenkanal
In the wake of the worldwide flare-up of COVID-19, banks have chosen not to charge any gold valuation expense. Subtleties of different relevant charges are given beneath:
Is a good CIBIL Score Required for Gold Loan Dhenkanal?
Those without a decent credit or CIBIL score or salary verification are frequently not qualified for individual or business advances, be that as it may, they can benefit gold advance as the gold insurance is vowed with the bank.
Henceforth, even an individual with a low CIBIL score is qualified to benefit a gold advance.
You’ll be named a credit defaulter on the off chance that you don’t oblige by the advance agreement of the bank. Indeed, even a solitary day delay gets answered to all credit departments and will considerably influence your CIBIL score.
- It can likewise prompt punishment charges and rehashed disappointments of opportune installments engage the bank to legitimately restrict your gold articles.