Major Gold Loan Lenders in Dwarka
The first banks and NBFCs of Gold Loan Dwarka are as follows:
Gold Loan Dwarka Features
Gold carries an emotional value for Indians. They buy gold not only as ornaments but a future investment that can serve them their needs in desperate times. Whenever there is an urgent monetary requirement for covering medical expenses, business expansions, paying higher education fees or debts in average, Indians often think of overcoming such fiscal needs by taking a credit against their gold as it is the most convenient option for acquiring a loan for even those who have poor credit or CIBIL score because the gold loan is safe by the gold collateral that borrower pledges with the bank.
Gold Loan Dwarka loan provides fiscal aid to the borrowers at low and reasonable interest rates. For getting a Gold loan, the borrower need not have a rigid and good source of income or excellent credit history, as the security gold collateral turns the verification and loan approval process into a much faster task.
Moreover, the fluctuation in the market price of gold enables you to secure up to 70 per cent of the gold value in the form of sanctioned loan sum.
Gold Loan Dwarka Interest Rates
Gold Loan Dwarka helps you fulfil your urgent monetary needs with the same day loan disbursement policy. Gold Loan Interest Rate is between 9.24-24 % per annum. Gold Loan Rate per Gram depends on the quality/purity of the gold being kept as security. Also, since the gold rate varies daily, the Gold Loan Rate per Gram changes accordingly. After calculating the market value of your gold using the Gold Loan Calculator, the bank gives you 70% of the gold value as the loan amount and keeps 30% as security margin amount.
Documents for Gold Loan Dwarka
- Proof of Identity (any one of these required): Passport Copy/ Voters ID card/ Driving License/Aadhaar card.
- Address Proof (any one of these required): Ration card/ Tel bill, Power bill/ Passport copy/Trade license /Shop & Est. License/Sales Tax certificate.
- Signature Proof (any one of these required): Passport Copy/Driving License/Banker’s verification/cheque.
- Two passport size photographs.
- Correctly filled and signed application form of Gold Loan.
- Post- disbursement documents (if any).
Additional Documents Required for Gold Loan Dwarka
- If the applicant wants 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 borrower should present a Demand Promissory Note to the bank.
- Certificate by Jewel Appraiser (Bank will arrange it).
- Income Proof: The applicant might be asked to give the Salary Slip of the past three months and Form No.16 before the bank.
- PAN Card (not mandatory though).
Eligibility Criteria for Gold Loan Dwarka
- Applicant should be an Indian citizen between the age of 18 to 70 years.
- Applicant should be the rightful owner of gold pledged in the bank.
- The gold pledged with the bank should not be less than 10 grams in weight.
- The min gold purity to be eligible for gold loan is 18 carats.
- The bank does not accept Twenty-four carats gold, be it in any form (coins, jewellery, bars, biscuits, etc.).
How to Apply for Gold Loan Dwarka
Apply Online for Gold Loan Dwarka
Dialabank facilitates you apply online for availing gold loan by simply filling the application form present at its website.
Once you are ready, you’ll receive a call from our Single Relationship Manager to assist you further. We also give you the facility of our pick service for your document verification from our side.
For more info, feel free to call anytime at 9878981166.
Dialabank is the best Digi-platform for availing gold loans. How is Dialabank better than its competitors? We have listed some of the features that make Dialabank special:
- India’s first financial consultant helpline, Dialabank, was established in 2012; it strives to provide good quality financial products and services to all-India customers.
- At Dialabank, consultations are entirely free of cost for the customers. There are nil additional charges for availing gold loan via Dialabank.
- At Dialabank, we help you get a high Loan To Value on your gold ornaments because we know how precious your gold is for you.
- Dialabank is a well-established name among its customers for swift and comfortable services.
- Availing gold loan via Dialabank helps you get a lower Gold Loan Interest Rate.
- Dialabank provides doorstep pickup facility for document verification.
- Availing gold loan via Dialabank is paperless.
- Our Relationship Managers are adequately trained to assist you in availing the gold loan and sail you through the entire process.
Apply Offline for Gold Loan Dwarka
Borrowers can also apply for the gold loan in offline mode by making contact the closest bank branch near them. The results on Google search will enlist many banks and their nearby offices. Approach the banks with the required documents.
You will then need to visit the bank branch and duly fill the gold loan application form and go through the process of approval, which can take up a couple of hours to a few days.
However, there is a quick loan disbursement procedure at some banks and NBFCs like HDFC Bank, ICICI Bank, and Muthoot Finance.
Processing Fees / Prepayment Charges on Gold Loan Dwarka
Due to the outbreak of COVID-19 pandemic, banks have decided not to charge any gold valuation fee. Details of other applicable fees are as given below:
Is a good CIBIL Score Required for Gold Loan Dwarka?
Those with bad credit or CIBIL score or less income are often ineligible for personal or business expansion loans. However, they can always avail gold loan as it is a secured loan being secured by the security gold collateral you have pledged with the bank. Hence, even an individual with low CIBIL score is also eligible to get a gold loan.
You’ll be categorised as a loan defaulter if you do not oblige by the loan contract of the bank. Even one day delay gets recorded at all credit bureaus and will immensely affect your CIBIL. It can also get you penalty charges and repeated failures of timely payments empower the bank to acquire your gold articles legally.
Gold Loan Dwarka Agents
Dialabank is the best financial consultant in Dwarka for availing a gold loan. Visit www.dialabank.com and apply online or contact at 9878981166
Dialabank provides you with a comprehensive market structure to make comparisons between more than a dozen banks and NBFCs to help you grab the best deals when it comes to availing gold loans in Dwarka. Dialabank enables you to select the loan personalised just to meet your fiscal requirements.
Visit www.dialabank.com, apply for the gold loan by filling the Gold Loan application form and our Single relationship Manager will contact you in no time!
Gold Loan Dwarka Contact Number
Call 9878981166 for a quick consultation for Gold Loan in Dwarka and get it approved ASAP.
Pre Calculated EMI Table for Gold Loan Dwarka
Dwarka, an ancient city on the banks of Gujarat, is a sacred city revered by Hindus all over the world. Dwarka refers to ‘Dwar’ or door. Lord Krishna opened the gates of this city for all those who wished to come. The town is famous for its magnificent Dwarkadheesh Temple, Dwarka Lighthouse on the shore of Dwarka Beach along with many wildlife sanctuaries, and national parks. The total population of this city is 38,873.
हिंदी में जानने के लिए यहाँ क्लिक करें:गोल्ड लोन दिल्ली
Other Places for Gold Loan
|Gold Loan Anjar||Gold Loan Bodeli|
|Gold Loan Vadodara||Gold Loan Botad|
|Gold Loan Bavla||Gold Loan Dahod|
|Gold Loan Bhachau||Gold Loan Dhanera|
Table of Contents
- 1 Major Gold Loan Lenders in Dwarka
- 2 Gold Loan Dwarka Features
- 3 Gold Loan Dwarka Interest Rates
- 4 Documents for Gold Loan Dwarka
- 5 Eligibility Criteria for Gold Loan Dwarka
- 6 How to Apply for Gold Loan Dwarka
- 7 Processing Fees / Prepayment Charges on Gold Loan Dwarka
- 8 Is a good CIBIL Score Required for Gold Loan Dwarka?
- 9 Gold Loan Dwarka Agents
- 10 Pre Calculated EMI Table for Gold Loan Dwarka
- 11 About Dwarka