Gold Loan Itanagar

GET GOLD LOAN
AT LOWEST INTEREST RATE

⍟  Highest Rate Per Gram
⍟  Lowest Interest Rate of 0.79% p.m.

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    Gold Loan Itanagar

    Major Gold Loan Providers in Itanagar

    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 Itanagar Features

    Gold loan ItanagarAre you in need of instant cash?
    Well, you don’t have worry to anymore. With a Gold loan, you can sort all your problems. As it is secured, it requires less paperwork and you can get your loan within 48 hours of the verification process.

    Gold Loan offers the best interest rate to provide financial aid to the clients. With a good source of income and an upright credit history, you can avail of the loan. A stable income would accelerate the loan verification process.

    Due to fluctuation in the market value of gold, you can get up to 75% of the market value of gold, which serves in the interest of both parties.

    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 Itanagar Interest Rates – Oct 28 2021

    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 Itanagar – Oct 28 2021

    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 Itanagar

    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 Itanagar

    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

    Eligibility Criteria for Gold Loan Itanagar

    1. The minimum age requires is 21 years and maximum up to 60 years.
    2. The individual must be an Indian National.


    gold loan

    How to Apply for Gold Loan Itanagar

    Online Process to Apply for Gold Loan Itanagar

    You can apply for HDFC Bank Gold Loan through Dialabank.

    With a simple online form, you are good to go.

    Our representative will take the load from thereafter. To make the process easier, you will get a doorstep pick up facility for your documents.

    For more information, you can call on 9878981144 anytime.

    Dialabank is the best platform to apply for a gold loan online as:

    1. Dialabank is India’s first financial helpline; with a promise to provide the best financial services to clients all over the country.
    2. Dialabank has a free of cost guidance policy which implies that there are no additional charges to apply for a gold loan online on the website of Dialabank.
    3. In addition, you get a high LTV for your gold.
    4. The bank has a good reputation because of its best and fast services.
    5. If you choose to apply for a gold loan through Dialabank, you will get a low HDFC Gold Loan Interest Rate.
    6. Dialabank has a doorstep document pickup facility to ease the process for the customer.
    7. If you apply for a gold loan per gram through Dialabank, less paperwork is required.
    8. Most importantly, the Relationship managers are trained to guide you in the process of Gold Loan.

    Check gold rate of today-

    Offline Process to Apply for Gold Loan Itanagar

    If you wish to apply for Gold Loan offline, there are nearby branches in that case. Search Gold Loan near me on Google. A list of all the nearby bank branches and finance companies providing gold loans will appear. You can choose among them with your knowledge and experience or you can choose Dialabank for a quicker and better process.

    After that, you need to visit several departments to apply for the gold loan, then you have visit the branch many times to get it approved.

    Some banks and finance companies provides a rather faster process which include HDFC Gold Loan and Muthoot Gold Loan branches.

    You can get gold loans from HDFC Gold Loan Branches. Also to locate a branch near you, search Muthoot Gold Loan nearby. Google will enlist all the Muthoot Gold Loan Branches near you.

    Processing Fees / Prepayment Charges on Gold Loan Itanagar

    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 Itanagar

    A good CIBIL score is a must before you finally apply for a gold loan, every lending institute has a minimum CIBIL score requirement in Itanagar, to process the gold loan application. With a score of 750 or above, you can get your loan application processed.

    All the institutions also look for your behavior on the previous loan taken, so your CIBIL score is not the only criteria. The type of previous loan and the borrowed amount is considered. If there is any delayed payment in your previous loan, you can face difficulty in availing the loan. Make sure to maintain a good CIBIL score before applying for a Gold loan.

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

    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 Itanagar Agents

    Dialabank is one of the leading and most trusted gold loan agents in Itanagar. You can apply online at www.dialabank.com or give a call at 9878981144

    Dialabank promises to help you to find the most suitable option among several Banks and NBFCs by providing you a detailed and structured market comparison for different banks and NBFC’s so that you do not have to worry about the complex data and procedure you have to go through and help you can make the right decision. Visit our website www.dialabank.com and fill a simple form asking for some details and then our customer relationship managers will get in touch with you.

    Gold Loan Itanagar Contact Number

    Call 9878981144 and get instant help and approval for Gold Loan in Itanagar now.

    Pre Calculated EMI Table for Gold Loan Itanagar

    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 Itanagar

    Itanagar is the capital of Arunachal Pradesh and reflects as a calm place. The city is known for its rich and diverse culture which is truly unique. The place has some mesmerizing sites to visit which include Ita Fort, Jawaharlal Nehru Museum and Gekar sinyi (Ganga lake).

    Other Cities for Gold Loan in Arunachal Pradesh

    Gold Loan Sivasagar Gold Loan Rangia
    Gold Loan Digboi Gold Loan Karimganj
    Gold Loan Sibsagar Gold Loan Bhadra
    Gold Loan Pathsala Gold Loan Hailakandi

    Gold Loan Itanagar FAQs


    ✅ 
    How to get Gold Loan in Itanagar?

    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 Itanagar?

    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.