Major Gold Loan Lenders in Ghatshila
Gold Loan Ghatshila Features
Taking off gold expenses are not profiting battered portfolios!
It is also helping individuals tide over a short cash crunch. With nuclear family profit squeezed due to pay cuts and position adversities, a consistently expanding number of people are queueing up to take credits against physical gold.
Pros are absolutely strong in procuring aa Gold Loan.
Various Personal Loans or charge cards include gigantic costs that can put urgent borrowers under further tension later.
Gold credit propels are sensible and attainable!
Gold Loan Ghatshila Interest Rates
Gold Loan Ghatshila helps you meet your urgent cash needs with the same day loan disbursement feature. Gold Loan Interest Rate ranges from 9.24-24 % per annum. Gold Loan Rate per Gram entirely depends upon the quality/purity of the gold being kept as collateral security. Since the gold rate changes daily, the Gold Loan Rate per Gram also varies accordingly. After calculating the value of your gold using the Gold Loan Calculator, the bank sanctions you 70% of the gold value as the loan amount and keeps 30% as security margin amount.
Documents for Gold Loan Ghatshila
- 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, Electricity Bill/ Rental bill/ Passport copy/Trade license /Shop & Est. License/Sales Tax certificate.
- 2 passport size photographs.
- Post- disbursement documents (if any).
- Duly filled and signed application form of Gold Loan.
- Signature Proof (any one of these required): Passport Copy/Driving License/Banker’s verification/cheque.
Additional Documents Required for Gold Loan Ghatshila
- If the applicant wants to avail a gold loan of more than Rs. 1 lakh for agricultural purposes, the proof of agricultural land may or may not be presented before the bank.
- The applicant should provide a Demand Promissory Note before the bank.
- Certificate by the Jewel Appraiser (Bank will arrange it).
- Income Proof Requirement: The applicant can be asked to present the Salary Slip of the past 3 months and Form No.16 before the bank.
- PAN Card (not necessarily required).
Eligibility Criteria for Gold Loan Ghatshila
- The candidate must be a permanent Indian resident between the age of 18 to 70 years.
- The candidate must be the legitimate proprietor of the gold swore with the bank.
- The gold sworn with the bank must not be under 10 grams in weight.
- The base gold immaculateness to be qualified for gold credit is 18 carats.
- 24 carats gold isn’t acknowledged by the bank be it in any structure (coins, gems, bars, and so forth).
How to Apply for Gold Loan Ghatshila
Apply Online for Gold Loan Ghatshila
Dialabank helps you apply online for availing gold loans by simply filling the application form present at its website.
Once you are done, you’ll receive a call from our Single Relationship Manager to assist you further. We also facilitate you with our pick service for your document verification from our end.
For more details, feel free to call at 9878981166.
Dialabank is the best digital platform for availing gold loans. What makes Dialabank better than its competitors? We have tried to list some of the features that set Dialabank apart:
- India’s first financial helpline, Dialabank was founded back in 2012; it strives to provide quality financial products and services to PAN India customers.
- At Dialabank, consultations are free of cost for the customers. There are zero additional charges for availing gold loan via Dialabank.
- We at Dialabank help you get a high LTV on your gold ornaments because we understand how precious they are for you.
- Dialabank is a reputed name among its customers for swift and easy services.
- Availing gold loan at Dialabank gets you a lower Gold Loan Interest Rate.
- Dialabank gives you doorstep pickup facility for document verification.
- Availing gold loan via Dialabank is almost paperless.
- Our Single Relationship Managers are trained properly to assist you in availing the gold loan and sail you through the entire process.
Apply Offline for Gold Loan Ghatshila
Applicants can also avail the gold loan in offline mode by contacting the nearest bank branch near them. The search results on Google will enlist several banks and their nearby branches. Approach the banks with the required documents.
You will then be required to visit the bank and duly fill the gild loan application form and go through the process of verification and approval which can take up a few hours to a couple of days.
However, there is a quick loan disbursement process at some banks and NBFCs like HDFC Bank, ICICI Bank, and Muthoot Finance.
Processing Fees / Prepayment Charges on Gold Loan Ghatshila
In the wake of the global outbreak of COVID-19, banks have decided not to charge any gold valuation fee. Details of other charges applicable are as given below:
Is a good CIBIL Score Required for Gold Loan Ghatshila?
Those without a good credit or CIBIL score or income proof are often not eligible for personal or business loans, however, they can avail gold loan as it is a secured loan secured by the gold collateral pledged with the bank. Hence, even a person with low CIBIL score is eligible to avail a gold loan.
You’ll be classified as a loan defaulter if you do not oblige by the loan contract of the bank. Even a single day delay gets reported to all credit bureaus and will substantially affect your CIBIL score. It can also lead to penalty charges and repeated failures of timely payments empower the bank to legally acquire your gold articles.
Gold Loan Ghatshila Agents
Dialabank gives you 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 Ghatshila. Our network helps you choose the loan especially personalized to meet your financial requirements.
Visit Dialabank, register for the gold loan by filling the Gold Loan application form and our Single relationship Manager will contact you in no time!
Gold Loan Ghatshila Contact Number
Call 9878981166 for instant consultation for Gold Loan in Ghatshila and get it approved instantaneously!
Pre Calculated EMI Table for Gold Loan Ghatshila
Ghatshila( Ghatsila) town located in East Singhbhum district of Jharkhand State. Ghatshila is a forested area on the bank of the Subarnarekha River. Asia’s first copper mines are situated in Ghatshila. Ghatshila has beautiful falls, forest, valley, dams.