⍟  Lowest Interest Rate of 0.79% p.m.
⍟  Highest Rate Per Gram ₹ 4,680
⍟  No Melting of Your Gold
⍟  Get Loan in 1 Visit Only
⍟  100% Safety of Your Gold (kept in Bank Locker)

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Gold Loan Gangtok

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Best Banks for Gold Loan in Gangtok

Feature
HDFC Bank
ICICI Bank
Muthoot Finance
Interest Rate
9.90%
10.50%
12%
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
Preclosure Chgs
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
2500
2600
2700*

Gold Loan GangtokYour gold is an asset that can assist you during a business crunch or when you want urgent lump sum cash in hand. The gold loan per gram in Gangtok is a kind of secured loan in which gold is kept as collateral security in the market for financial help.

Many banks and NBFCs in India offer this business service that can be easily availed by anyone.

Gold Loan Gangtok Features

  1. Easy documentation and quick processing for availing the Gold loan.
  2. The overdraft deadline differs depending on the market rate of gold.
  3. Experience Anytime Liquidity with Dialabank.
  4. You get 100% Protection & Security of your Gold Jewelry in the bank lockers.
  5. Lower Gold loan Interest Rate if availing loan from Dialabank.
  6. Get your Loan prepared in less than 30 minutes after all the verification procedures take place.
  7. The interest rate is payable only due to the only price of the overdraft that you use.
  8. You can avail Loan up to Rs.1 Crore or more & up to 70% of the value of your gold ornaments for any purpose
  9. No EMI, Service only Business and enjoy the Loan facility with easy repayment options.

Understand More – Top Reasons why Gold Loan is the best financing option

 Gold Loan in Gangtok Interest Rates and Charges

Feature
Gold Loan
Interest Rate
Processing Fee
Tenure
HDFC Gold Loan 9.90% 0.25 % - 1.50% 3 - 24 Month
ICICI Gold Loan 10.50% 0.25 % - 1.50%  9 - 24 Months
Axis Gold Loan 10.50% 0.50% - 1.50% 6 - 24 Months
Yes Bank Gold Loan 10.50% 0.50% - 1.50% 6 - 36 Months
SBI Gold Loan 9.50% 500/- to 0.50% 6 - 36 Months
Kotak Gold Loan 11.00% 1% to 2% 9 - 24 Months
IIFL Gold Loan 12.00% Nil 3 - 11 Months
Muthoot Finance Gold Loan 12.00% Nil 1 - 24 Months
Manappuram Gold Loan 12.50% Nil 6 - 12 Months
PNB Gold Loan 11.00% 0.70% to 1% 6 - 12 Months
Canara Bank Gold Loan 10.75% 1 % 6 - 12 Months
IndusInd Bank Gold Loan 11.50% 1% - 1.5% 9 - 24 Months

Being a secured credit, the credit in the gold loan is possible at low-interest rates for each and every precious customer of Dialabank. Though, the interest may change depending upon your loan sum and tenure.

But In general:

  • Gold Loan Interest rate at present – 10.70 %.
  • The gold loan is possible at a 1% P.M. interest rate.
  • Moreover, pre-closure charges range from  0 – 2%.
  • Besides, offer a low processing charge that is  0.85%.

Gold Loan in Gangtok Documents Required

  1. Income Verification: Salary Certificate and Form No.16 if applicable.
  2. A Demand Promissory Journal is needed.
  3. Land Proof: In event of an Agriculture Loan of more than Rs. 1 lac. This proof is not needed for allied agriculture schemes.
  4. Certification by the Jewel Appraiser (Provided by the bank).

How to Apply for Gold Loan Gangtok

  • Visit our site Dialabank online.
  • List your details in the form that are asked for in it and submit the form online.
  • You can also call directly Dialabank’s helpline number 9878981166 to ask for any queries or difficulties you are facing in applying for the Gold loan.
  • Our contact manager would call you and help you through the entire method of a gold loan application. They are trained well to guide you in the complete process of availing of a gold loan, especially via Dialabank.

Avail your Gold Loan Gangtok with Dialabank and receive personalized help in the whole process

Why Choose Gold Loan Gangtok?

  1. More limited processing time in availing of the gold loan.
  2. No concealed charges charged to the customer.
  3. Quick Loan disbursal because the gold loan is a secure type of loan.
  4. No account checks of the customer unnecessarily.
  5. No co-signer required because the gold loan is a secure type of loan
  6. Prepayment ease in easy EMI payments.

Interest Rates of Different Banks for Gold Loan Gangtok

Feature
Gold Loan
Interest Rate
Processing Fee
Tenure
HDFC Gold Loan 9.90% 0.25 % - 1.50% 3 - 24 Month
ICICI Gold Loan 10.50% 0.25 % - 1.50%  9 - 24 Months
Axis Gold Loan 10.50% 0.50% - 1.50% 6 - 24 Months
Yes Bank Gold Loan 10.50% 0.50% - 1.50% 6 - 36 Months
SBI Gold Loan 9.50% 500/- to 0.50% 6 - 36 Months
Kotak Gold Loan 11.00% 1% to 2% 9 - 24 Months
IIFL Gold Loan 12.00% Nil 3 - 11 Months
Muthoot Finance Gold Loan 12.00% Nil 1 - 24 Months
Manappuram Gold Loan 12.50% Nil 6 - 12 Months
PNB Gold Loan 11.00% 0.70% to 1% 6 - 12 Months
Canara Bank Gold Loan 10.75% 1 % 6 - 12 Months
IndusInd Bank Gold Loan 11.50% 1% - 1.5% 9 - 24 Months

About Gangtok

The Gangtok is a city, municipality, the capital, and the biggest town of the Indian state of Sikkim. It is also the headquarters of the East Sikkim district. The Gangtok is in the eastern Himalaya range, at an elevation of 1,650 m (5,410 ft). The town’s population of 100,000 are from different ethnicities such as Bhutia, Lepchas, and Indian Gorkhas.

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