Gold Loan Hamirpur

AT 0.49%* INTEREST RATE
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    Gold Loan Hamirpur

    Major Gold Loan Providers in Hamirpur

    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 Hamirpur Features

    Gold Loan Hamirpur

    With the Gold Loan available to you in a convenient and easy way, you do not need to stress over cash shortage. The loan is secured so it requires less paperwork and it can get approved within 48 hours after the process of verification.

    Gold Loan Hamirpur offers financial aids at the most affordable rates. The candidate must have a steady and great pay source as well as a good credit history which also makes the process of verification and approval faster.

    Due to the fluctuation in the market value of gold, you can get a loan amount of up to 75% of the gold market price.

    Gold Loan Hamirpur Interest Rates

    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%

    To check Gold Loan Interest Rate for all major banks you can visit: Gold Loan Interest Rate

    Documents for Gold Loan Hamirpur

    1. Proof of Identity can be Passport Copy/ Voters ID card/ Driving License/Aadhaar card.
    2. Address Proof can be : Ration card/ Tel, Electricity Bill/ Rental bill/ Passport copy/Trade license /Shop & Est. License/Sales Tax certificate.
    3. Signature Proof can be Passport Copy/Driving License/Banker’s verification/Cheque.
    4. 2 passport size photos.

    Additional Documents Required for Gold Loan Hamirpur

    1. Land Proof: In Agriculture Loan of over Rs. 1 lac. The same is not needed for allied agriculture purposes.
    2. A Demand Promissory Note.
    3. Certification by the Jewel Appraiser (Bank will arrange).
    4. Proof of Income: Salary Certificate and Form No.16

    Eligibility Criteria for Gold Loan Hamirpur

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

    GOLD LOAN @ 0.49%*

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    How to Apply for Gold Loan Hamirpur?

    Online Process to Apply for Gold Loan Hamirpur

    You can even Apply Gold Loan at the Dialabank website.

    You will require to fill an online form.

    After that, you will get a call from our operators. You will also get a doorstep document pick-up facility.

    For more details, you can call on 9878981166 anytime.

    Dialabank is counted amongst the most respectable platforms to apply for a gold loan online because of its various services:

    1. Dialabank is India’s first financial helpline; it offers the best financial services across the country.
    2. Dialabank has a guidance policy without any fee for its customers. So there are no additional charges to apply for a gold loan online on the website of Dialabank.
    3. You can get a high LTV of your gold.
    4. The bank has a very good reputation amongst the consumers as we provide the best and faster services.
    5. You will even get a low Interest Rate on Gold Loan if you choose to apply for a gold loan on Dialabank.
    6. Dialabank even offers a doorstep document pickup facility to ease the process for its customers.
    7. When you apply for a gold loan through Dialabank, very little paperwork is needed.
    8. Our Relationship Managers are trained to guide and assist you in the complete process of Gold Loan.

    Offline Process to Apply for Gold Loan Hamirpur

    The nearby branches are also available as an option if the candidate is looking for an offline procedure. To do so, ask Gold Loan near me to google. The search will show all the banks that are giving gold loans near you. From that point forward, you will be required to choose them with your experience and information, but Dialabank can do that to make the procedure easier and better for you.

    After that, to apply and get your loan approval, you will be required to visit various departments many times.

    Processing Fees / Prepayment Charges on Gold Loan Hamirpur

    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 Hamirpur

    A good CIBIL score is necessary before you decide to apply for a gold loan as pretty much every lending institution has its standards of the base CIBIL score that is required to process a Gold Loan application in Hamirpur. A base score of 750 is required to process your loan application.

    The institutions also consider an in-depth behavior of the previous loan as well so the CIBIL score is not the only consideration. The details include the type of loan as well as the amount borrowed. A new loan can face problems in approval if there is any late payment in the previous loans taken. It is essential to have a good CIBIL score before applying for a loan.

    Gold Loan Hamirpur Agents

    Dialabank stands as the specialist as well as the most reliable gold loan agent in Hamirpur. You can apply online at www.dialabank.com or dial 9878981166

    By providing a detailed and well-structured market comparison of several bank branches and finance companies, Dialabank encourages you to find the most reasonable choice for you. With this, you do not have to stress over confusing information and boring processes and you can focus solely on making the right decision. Fill an online form with a couple of details and then our customer relationship managers will connect with you.

    Gold Loan Hamirpur Contact Number

    Call on 9878981166 to get instant help and Gold Loan approval in Hamirpur right now.

    Pre Calculated EMI Table for Gold Loan Hamirpur

    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 Hamirpur

    Hamirpur is a town in the Himalayan state of Himachal Pradesh. The place is popular for its high literacy rate, good infrastructure, various educational institutes, and the festival of Hamir Utsav.

    Special Note: Always check Gold Loan Rate Per Gram before applying for loan against gold.