Major Gold Loan Providers in Itanagar
Feature
HDFC Bank
SBI
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
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
Are 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
Gold Loan Itanagar Interest Rates – Apr 20 2024
Bank
Interest Rate
HDFC Bank Gold Loan
9.9% to 14%
Axis Bank Gold Loan
10.50% to 16%
Private 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 – Apr 20 2024
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 |
Private Gold Loan | ₹ 3,506 to ₹ 4,821 | 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
Note: However, many banks require a minimum age of 23 years
Loan Amount
Interest rates are lower for a higher loan amount
Employment Type
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
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
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 with 18-24 carat purity
Employment track record and income proofs
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
- The minimum age requires is 21 years and maximum up to 60 years.
- The individual must be an Indian National.
GOLD LOAN @ 0.75%*
APPLY NOW
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:
- Dialabank is India’s first financial helpline; with a promise to provide the best financial services to clients all over the country.
- 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.
- In addition, you get a high LTV for your gold.
- The bank has a good reputation because of its best and fast services.
- If you choose to apply for a gold loan through Dialabank, you will get a low HDFC Gold Loan Interest Rate.
- Dialabank has a doorstep document pickup facility to ease the process for the customer.
- If you apply for a gold loan per gram through Dialabank, less paperwork is required.
- 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
EMI Gold Loan Scheme with Bullet Repayment Scheme Comparison
Monthly Payment
EMI Scheme (₹)
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
₹ 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
SBI Gold Loan
7.50%
Rs. 3,111
Muthoot Gold Loan
11.99%
Rs. 3,321
Manappuram Gold Loan
12.00%
Rs. 8,885
HDFC Bank Gold Loan
9.90%
Rs. 4,591
Yes Bank Gold Loan
9.99%
Rs. 3,226
Private Bank Gold Loan
10.00%
Rs. 8,792
Federal Bank Gold Loan
8.50%
Rs. 8,722
Canara Bank Gold Loan
7.65%
Rs. 8,683
Andhra Bank Gold Loan
10.70%
Rs. 8,824
Axis Bank Gold Loan
13.00%
Rs. 4,754
IndusInd Bank Gold Loan
10.00%
Rs. 8,792
PNB Gold Loan
8.75%
Rs. 8,734
Fincare Small Finance Bank Gold Loan
12.99%
Rs. 11,721
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
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