Gold Loan Gurdaspur

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    Gold Loan Gurdaspur

    Best Banks for Gold Loan in Gurdaspur

    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 Gurdaspur FeaturesGold Loan Gurdaspur

    The Gold Loans are now pretty easy and less time consuming to avail as most of the major banks and NBFCs provide the service at a reasonable rate of interest and minimum documentation. The Gold Loans are secured loans that can be availed by keeping your Gold ornaments/Jewelry as collateral or security deposit for the short-term credit. Banks sanction Gold Loan easily considering the fact that you repay the amount in the form of interest in a specific period of time. If you fail to repay, the loan can be renewed.

    Gold Loan in Gurdaspur Interest Rates and Charges

    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 in Gurdaspur Documents Required

    1. Government-approved ID such as Driving license/passport/Aadhar card, etc
    2. Proof of Income (i.e. salary slips/ Form 16)
    3. Land Proof: In case of Agriculture Loan of more than Rs. 1 lac.(not required for agricultural purpose)
    4. Signed Application form
    5. 2 recent passport size photographs of the applicant
    6. Signature Proof: Passport Copy/Driving License/Banker’s verification/cheque.
    7. Proof of Address: Ration card/ Tel, Electricity Bill/ Rental bill/ Passport copy/Sales Tax certificate.
    8. Certificate by the Jewel Appraiser (Bank will arrange)
    9. A Demand Promissory Note.

    Gold Loan in Gurdaspur Eligibility Criteria 

    1. The applicant must be at least 21 years old.
    2. The applicant must have Indian nationality.
    3. The applicant should not be more than 60 years of age.

    GOLD LOAN @ 0.49%*

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    How to Apply for Gold Loan Gurdaspur

    Online Process to Apply for Gold Loan Gurdaspur
    • You can apply for the Gold Loan at Dialabank.
    • It is less time consuming and convenient
    • Fill an online form with personal details
    • Our relationship manager would then contact you for further assistance
    • You can also avail of the document pick up facility from your doorstep.
    • For more detail, you can call on 9592046860.

    Dialabank is considered as the best platform to apply for a gold loan online. There are so many reasons behind this.

    1. Dialabank is India’s first financial helpline; This provides the best financial services to customers all over the country.
    2. The bank has a good reputation among the customers because of its best services.
    3. Gold Loans can be availed at a low Gold loan interest rate with minimum documentation requirement
    4. Dialabank provides a document pickup facility from the doorstep of the customer.
    5. There is no processing fee or additional charges for availing to the service through Dialabank
    6. The Relationship managers of Dialabank are trained and assist the customer without any hesitance
    Offline Process to Apply for Gold Loan Gurdaspur

    The applicant also has an option to avail Gold Loan per gram through the offline process. It requires market research as well as some manual efficiency.

    The applicants need to search for the nearby banks offering Gold Loans and visit them during their working hours. Thereafter, their relationship manager would correspond and assist you according to your requirements requiring repeated visits to the nearest branch.

    Processing Fees / Prepayment Charges on Gold Loan Gurdaspur

    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

    CIBIL Score Required for Gold Loan Gurdaspur

    Most of the major banks and NBFCs offer the Gold Loan irrespective of the CIBIL score. The applicant should have all the necessary documents and should fulfil the eligibility criteria.

    Gold Loan Gurdaspur Agents

    Dialabank is one of the leading agents for availing the Gold Loan in Gurdaspur. You can easily apply online at www.dialabank.com or give a call at 9878981166

    Dialabank helps you to find the best option of the Banks and NBFCs by providing you with a detailed market comparison of different banks so that you can make the right choice. Visit our website www.dialabank.com and fill a simple form with your personal and employment details. Our customer relationship managers would soon get in touch with you.

    Gold Loan Gurdaspur Contact Number

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

    Pre Calculated EMI Table for Gold Loan Gurdaspur

    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 Gurdaspur

    District of Gurdaspur is the state of Punjab. This is located in the northwest part of the Republic of India. It is the headquarters. It was founded by Guriya Ji at the beginning of the 17th century. In 2011 Gurdaspur is the 3rd most populous district of Punjab (out of 22), after Amritsar and Ludhiana.