Gold Loan Ernakulam


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Gold Loan Ernakulam

Major Gold Loan Providers in Ernakulam

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 Ernakulam Features

 Gold Loan ErnakulamWhen things are going as planned, Gold Loan comes as the answer to all your financial needs. Being an unsecured loan, you can avail the loan within 48 hours of the verification process as it does not require the unnecessary and tedious procedure.

With the best interest rate to offer, Gold Loan Ernakulam comes as a convenient financial aid to all its customers. A stable and good source of income with a good credit history is necessary to get a gold loan, which even makes the verification and approval procedure faster.

Furthermore, keeping in mind the variation in the market value of gold, you can avail a loan amount of up to 75% of the market price of gold.

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 Ernakulam Interest Rates – Sep 23 2023

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 Ernakulam – Sep 23 2023

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 Ernakulam

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
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 Ernakulam

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 Ernakulam

  1. The minimum age of the applicant should be 21 years and maximum up to 60 years.
  2. Must be an Indian National.

GOLD LOAN @ 0.75%*



How to Apply for Gold Loan Ernakulam

Online Process to Apply for Gold Loan Ernakulam

With just a few simple steps, you can apply for HDFC Gold Loan at DialaBank.

With a simple online form, you are good to go.

Our representative will take from here, you will get a call for details and query. We even offer a pickup facility for your documents to provide you with a convenient experience.

You can call us anytime at 9878981144 for more information.

Dialabank stands as one of the platforms if you wish to apply for a Jewel loan online as-

  1. Dialabank which is India’s first finacial helpline provides the best financial aids to its clients all over the country.
  2. Dialabank offers free of cost guidance to the customers, i.e, no additional charges need to be paid for applying for gold loan online on Dialabank website.
  3. Moreover, a high LTV of your gold will be offered to you.
  4. With its fast and remarkable service, the bank shines with a positive reputation among the customers.
  5. When you apply for a gold loan per gram onlinr on Dialabank, you get to enjoy a low HDFC Today Gold loan Interest  Rate.
  6. For a better experience, Dialabank offers a document pickup facility.
  7. You will also require less paperwork when you apply through Dialabank.
  8. Dialabank relationship manager are trained professionals to guide you in the Gold Loan Process.

Offline Process to Apply for Gold Loan Ernakulam

The offline process is rather inconvenient and long as you need to consider and research about various nearby banks offering gold loan. This process even with the help of Google is not very accurate. The good thing is that you do not need to go through such procedures, Dialabank guarantees the same in less time and more convenience.

After this, you need to visit different departments for some time to get your loan approved.

There are some faster banks and finance companies which include HDFC Gold Loan branches and Muthoot Gold Loan branches.

To find branches nearby, you can search for HDFC Gold Loan Branch or Muthoot Gold Loan near me and google will help you with it.

Processing Fees / Prepayment Charges on Gold Loan Ernakulam

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%
Private 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

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 Ernakulam

Every leading institute requires a good CIBIL score for Gold Loan approval in Delhi which makes importation to have a good CIBIL score before applying for a gold loan. A minimum score of 750 is requires by most institution to approve your loan application.

Your repayment behavior of previous loan taken is also analysed for further assurance. Also, the amount borrowed and type of loan is also taken into consideration. A delayed payment is a major hurdle in the process to avail a new loan so keep up your CIBIL score before applying for Gold Loan.

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

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 Ernakulam Agents

Dialabank is one of the most trusted and leading gold loan agents in Delhi. You can apply online at or give a ring at 9878981144 Dialabank aims to help you get gold loan with the least effort and so a best comparison among several banks and NBFC is provided to you in a well-structured manner. A detailed analysis is provided toy you so that you do not have worry about complex data and help you take the right decision.Visit our website and fill a form asking for some details and then our customer relationship managers will contact you soon. Gold Loan Ernakulam Contact Number
Call 9878981166 and get instant help and approval for Gold Loan in Ernakulam right now.

Pre Calculated EMI Table for Gold Loan Ernakulam

5 Yrs
4 Yrs
3 Yrs

About Ernakulam

Ernakulam is a mainland portion in Kochi, Kerala. Besides being a professional front, Ernakulam also reflects the urban side of Kochi. The town has given its name to the Ernakulam district. Some famous tourist spots include Durbar Hall Ground, Subhash Park and Penta Meneka. The city is also known for Kerala High Court and Ernakulam Junction which is a major Indian Railway Station.

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Gold Loan Ernakulam FAQs

✅ How to get Gold Loan in Ernakulam?

To get a gold loan, a person can either walk into the nearest gold loan offering bank branch with their gold and basic documents like Aadhar Card and PAN Card, or they can fill an inquiry form and apply online at Dialabank’s digital platform for better convenience and personalized help.

✅ 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 Ernakulam?

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.