Gold Loan Durgapur

Major Gold Loan Providers in Durgapur

Gold Loan Durgapur Features

Gold Loans are an appropriate and fitting way to avail short-term credits as most of the central banks and NBFCs provide the service at a low Gold loan interest rate and minimum documentation. Gold Loans are secured loans that can be availed by keeping your precious belongings, such as Gold ornaments/Jewelry as collateral or security deposit. Banks sanction Gold Loan quickly because you repay the amount in the form of interest in a specific period.

Gold Loan Durgapur Interest Rates – Apr 18 2024

Gold Loan Per Gram For All Major Bank in Durgapur – Apr 18 2024

Gold Loan Eligibility Criteria in Durgapur

Documents for Gold Loan Durgapur

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 Durgapur

1. Applicant should be either salaried or self-employed
2. The minimum age requirements of the individual should be 21 years and a maximum up to 65 years.
3. Nationality of the applicant should be Indian

How to Apply for Gold Loan Durgapur

Online Process to Apply for Gold Loan Durgapur

• To apply for a gold loan at Dialabank, just follow a few simple steps
• It is an easy and hassle-free process.
• You have to fill a form online.
• Our relationship manager will then contact you for further assistance
• You can also call on 9878981166.

Dialabank is considered as the best platform to apply for a gold loan online. Some reasons behind this are:

1. Dialabank is India’s first financial helpline; it provides the best financial services to all the costumers.
2. Gold Loans can be received at a reasonable rate of interest.
3. No extra fees is applied for service through Dialabank.
4. The Relationship managers of Dialabank are trained and assist the customer without any hesitance
5. The bank has a good reputation among the customers because of its best services.

Offline Process to Apply for Gold Loan Durgapur

The applicant also has an option to avail Gold Loan per gram through the offline process. This requires extensive market research along with some manual efficiency as it requires you to visit the bank physically.

The applicants need to search for the nearby banks offering Gold Loans and visit them at their working hours. After that, their relationship manager will correspond and assist you according to your requirements.

Processing Fees / Prepayment Charges on Gold Loan Durgapur

EMI Gold Loan Scheme with Bullet Repayment Scheme Comparison

CIBIL Score Required for Gold Loan Durgapur

CIBIL score is not required to avail of a gold loan. The applicant should have all the necessary documents and should be eligible to apply for the loan according to the criteria.

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

Gold Loan Durgapur FAQs

✅ What are the Chances of Facing Rejection on gold Loans?

The loan is processed after proper verification of the gold is supplied. if the gold item is fraudulent/stolen or missing a bill/documents and if are not authentic, the odds of rejection increases. Otherwise, because the gold loan is granted based on gold grade and simple KYC paperwork, there is a trivial risk of the gold loan being denied.

✅ Do I Need to be an Existing Customer of a Bank to get a Gold Loan?

Some banks may require you to be a current client to receive benefits from a gold loan. On the other hand, many banks do not require you to be a customer.

✅ Do I need a Guarantor for a Gold Loan?

No, you don’t need a guarantor for a gold loan. In the case of a default, the gold you have submitted is utilised as collateral.