Gold Loan Godhra

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Gold Loan Godhra

Best Banks for Gold Loan in Godhra

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 Godhra Features

gold loan godhraAre worrying about debts? Do not worry Gold Loan is convenient for you. This loan is unsecured in nature with minimal documentation and little paperwork. This loan can get approved within 48 hours after the completion of the verification process.

Gold Loan Godhra is an unsecured loan that provides financial help to the customers at reasonable interest rates. To get a Gold Loan, the candidate needs to have a rigid and good source of income and has a good credit history. Furthermore, there is no end-use limitation on the use of the gold loan amount. Utilize this loan amount anywhere you want to do.

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 Godhra Interest Rates – Jan 29 2023

Bank Interest Rate
HDFC Bank Gold Loan 9.9% to 14%
Axis Bank Gold Loan 10.50% to 16%
ICICI 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 Godhra – Jan 29 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
ICICI Gold Loan ₹ 3,506 to ₹ 4,621 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 Godhra

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
CIBIL Score
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 Godhra

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

Gold Loan in Godhra Eligibility Criteria

  1. The minimum age requirements of the individual should be 21 years and a maximum of up to 60 years.
  2. Should be an Indian National

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How to Apply for Gold Loan Godhra

Online Process to Apply for Gold Loan Godhra

Apply for the Gold Loan at Dialabank. The process is easy and straightforward. You have to fill a form online at www.dialabank.com.

After that, you will get a call from our agent. Moreover, you will get a document to pick up the facility from your doorstep. For more information about Gold Loan Godhra, you can call on 9878981166.

Dialabank is taken into consideration as the best platform to apply for a gold loan online. There are so many reasons. Some of them are the following:

  1. First of all, Dialabank is India’s first financial helpline; it offers the best financial services to applicants in India.
  2. Besides that, the bank has a good reputation among the customer’s cause of its best services.
  3. Another reason, if you apply for a gold loan on Dialabank, then you will get a low Gold Loan Interest Rate.
  4. Also, Dialabank provides a document pickup facility from the doorstep of the customer.
  5. One more important thing is that the Dialabank guides the customers free of cost. There are no additional fees for applying for a gold loan online at Dialabank.
  6. Also, while applying for a gold loan per gram with Dialabank, very little paperwork is required.
  7. One more thing is that you will avail of a high LTV of your gold.
  8. Finally, the Relationship managers are trained to guide you in the entire process of Gold Loan.
Offline Process to Apply for Gold Loan Godhra

The applicant also has an option to avail of a loan from the nearby branches. To do so, you can search on google ‘Gold Loan near me’. Google will enlist all the neighbouring branches from where you can avail of the loan. Then, you have to visit again and again until the loan approval.

Processing Fees / Prepayment Charges on Gold Loan Godhra

Bank
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%
Nil
ICICI Bank Gold Loan
0.25% to 1.50%
2%, Nil foreclosure charges after 9 months
SBI Gold Loan
500/- to 0.50%
Nil
Kotak Gold Loan
1% to 2%
2.25% of fore closure amount if closed 1 month ahead of the tenure.
IIFL Gold Loan
Nil
Nil
Muthoot Gold Loan
Nil
Nil
Manappauram Gold Loan
Nil
Nil
PNB Gold Loan
0.70% to 1%
Nil
Canara Bank Gold Loan
1%
Nil
Andhra Bank Gold Loan
Nil
Nil

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 Godhra

Every lending institution has its own criteria for the minimum CIBIL score required for processing a Gold Loan application in Godhra. Most institutions need a minimum score of 750 to process your gold loan application.

The institutions don’t just look at the overall CIBIL score but also note the detailed behavior on the previous loans taken. This includes details on the type of loan taken and the loan amount borrowed. Any late payments for previous loans can act as a barrier to your availing a fresh loan.

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

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
ICICI 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 Godhra Agent and Contact Number

Dialabank is the leading agent for getting a Gold Loan in Godhra. You can apply online at www.dialabank.com call us at 9878981166.

Dialabank assists you to find the best option of Banks and NBFCs by offering you with a detailed market comparison of different banks so that you can make the right option. Visit www.dialabank.com and fill a form using your personal and employment details. Our customer relationship managers will contact you.

Gold Loan Godhra Contact Number

Call 9878981166 and get instant help and approval for Gold Loan in Godhra.

Pre Calculated EMI Table for Gold Loan Godhra

Rate
5 Yrs
4 Yrs
3 Yrs
10.50%
2149
2560
3250
11.00%
2174
2584
3273
11.50%
2199
2608
3297
12.00%
2224
2633
3321
12.50%
2249
2658
3345
13.00%
2275
2682
3369
13.50%
2300
2707
3393
14.00%
2326
2732
3417
14.50%
2352
2757
3442
15.00%
2378
2783
3466

About Godhra

Godhra is a Municipality in the Panchmahal district in the Indian state of Gujarat. Godhra is the administrative headquarters of the Panchmahal district.

Originally the name came from gou which means “cow” and dhara which has two meanings: one in Sanskrit which means “hold” or “land” and the other in Hindi which means “flow”: It means the Land of the Cow. Official spoken languages are Gujarati, Hindi, English, and Urdu. Godhra is widely known in India and internationally for being the starting point of the 2002 Gujarat riots. Statewide religious riots between Hindus and Muslims began after the Godhra train burning incident near the Godhra railway station on 27 February 2002, where about 59 train passengers were burnt alive.

Godhra is connected to all major towns of Gujarat by public transport service operated by GSRTC. And Godhra is a Railway Junction that connects Godhra with different parts of the state and nation. River, Ramsagar Lake, Voharwad Masjid Tower, Polan Bazar, Methodist Church, Naheru Garden, and in far east Kanelav Lake represents nature’s beauty.


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Gold Loan Godhra FAQs

✅ How to get Gold Loan in Godhra?

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 assistance.

✅ 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 Godhra?

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.