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    Gold Loan Gangtok

    Best Banks for Gold Loan in Gangtok

    Feature
    HDFC Bank
    ICICI Bank
    Muthoot Finance
    Interest Rate
    9.50% onwards
    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
    3,066
    3,073
    3,073

    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). You can apply for a jewel loan also.

    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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