Gold Loan Jammu

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Gold Loan Jammu

Major Gold Loan Providers in Jammu

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 Jammu Features

  • gold loan jammuSafety of Gold – The security of your Gold Ornament is more in banks due to the proper security systems, unlike our homes.
  • Fast Process – This is a type of secured loan. Therefore, you can get your gold loan processed as quick as 30 minutes
  • Overdraft Facility – The applicant has the option of an overdraft facility that allows the applicant to enjoy cash flow anytime as per the needs.
  • Low-Interest Rates – Another feature is the Today’s Gold Loan Interest Rate is very low in comparison to other services provided by the banks and NBFC’s
  • No Processing Charges – Surprisingly, the bank does not charge any extra cost for applying for a Gold Loan.
  • Less Documentation Process – The formalities that are to be complete are very less due to the type of service this is.
  • Flexible Tenure – Last but not least, the applicant can choose the tenure depending upon the need.

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 Jammu Relationship Manager on 9878981144

Gold Loan Jammu 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 Jammu 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 Jammu

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.

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Gold Loan Jammu Eligibility & EMI Calculator

Documents for Gold Loan Jammu

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

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Eligibility Criteria for Gold Loan Jammu

  1. The applicant should be at least 21 years of age
  2. The applicants’ age should not be more than 60 years
  3. He/she should be a national citizen

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How to Apply for Gold Loan Jammu

Online Process to Apply for Gold Loan Jammu

You can apply for the HDFC Bank Gold Loan at Dialabank. The process is straightforward. To begin, You have to fill a simple form online. After that, you will get a call back from our side. Furthermore, you will get a document to pick up facility from your doorstep. For more information, you can call on 9592046860. Dialabank is considered the best platform to apply for a gold loan online. There are so many reasons behind this.
  1. First of all, Dialabank is India’s first financial helpline; it provides the best financial services to customers all over the country.
  2. Besides that, the bank has a good reputation among the customers because of its best services.
  3. Another reason, if you apply for a gold loan on Dialabank, then you will get a low HDFC 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 Dialabank guides the customers free of cost. That is, there are no additional charges of applying for a gold loan online on the website of Dialabank.
  6. Also, while applying for a gold loan per gram online through Dialabank, very little paperwork is required.
  7. One more thing is that you will get a high LTV of your gold.
  8. Finally, the Relationship managers are trained enough to guide you in the entire process of Gold Loan.

Offline Process to Apply for Gold Loan Jammu

Offline gold loan is also available with databank, just visit our website to see the various options available. The applicant also has an option to avail of an HDFC Gold Loan from the nearby branches. To do so, search Gold Loan near me on google. It will enlist all the neighbouring departments from where you can avail of the loan. Then, you will have to visit again and again until the loan approval. Thus, it can be a very tiring and time-consuming process. You can avail of loans from HDFC Gold Loan Branches. As well as to find a branch that is nearby, search Muthoot Gold Loan near me. Google will enlist all the Muthoot Gold Loan Branches near you.

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Processing Fees / Prepayment Charges on Gold Loan Jammu

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 Jammu

750 is the minimum CIBIL score required by most institutions, every institution wants to see your credit history and also make the various decision and it also tells us about whether the loan application will get approved or not. The financial institutions look for a variety of factors, like the detailed behaviour of the previous loans taken. This includes details on the type of loan taken and the amount borrowed. Any delayed payments for previous loans can act as a barrier to your availing of a fresh loan.

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

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 Jammu Agents

Dialabank is the leading agent for availing of Gold Loan in Jammu.

You can apply online at www.dialabank.com or give a call at 9878981166

If you want to choose from the best option of Banks and NBFCs then databank does that by providing you with a detailed market comparison of different major banks and financial institutions so that you can make the right which will make your investment better. Visit our website www.dialabank.com and fill a simple form with your personal and employment details. Our customer relationship managers will soon get in touch with you.

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Gold Loan Jammu Contact Number

Call 9878981166 and get instant help, guidance, and approval for Gold Loan in Jammu.

Pre Calculated EMI Table for Gold Loan Jammu

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

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About Jammu

Jammu and Kashmir was a region formerly administered by India as a state from 1954 to 2019, constituting the southern and southeastern portion of the larger Kashmir region, which has been the subject of a dispute between India, Pakistan and China since the mid-20th century. The underlying region of this state were parts of the former princely state of Jammu and Kashmir, whose western districts, now known as Azad Kashmir, and northern territories, now known as Gilgit-Baltistan, are administered by Pakistan. The Aksai Chin region in the east, bordering Tibet, has been under Chinese control since 1962. After the Government of India repealed the special status accorded to Jammu and Kashmir under Article 370 of the Indian constitution in 2019, the Parliament of India passed the Jammu and Kashmir Reorganisation Act, which contained provisions that dissolved the state and reorganized it into two union territories – Jammu and Kashmir in the west and Ladakh in the east, with effect from 31 October 2019. At the time of its dissolution, Jammu and Kashmir was the only state in India with a Muslim-majority population हिंदी में जानने के लिए यहाँ क्लिक करें:गोल्ड लोन जम्मू

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Other Gold loan cities in Jammu & Kashmir

Gold Loan Vengara Gold Loan Veliyanad
Gold Loan Vatanappally Gold Loan Vaikom
Gold Loan Vadakara Gold Loan Trivandrum
Gold Loan Trichur Gold Loan Tiruvalla

Gold Loan Mumbai FAQs

✅ How to get Gold Loan in Jammu?

A customer can either stroll in to the local gold loan giving bank branch with their gold and necessary documents such as an Aadhar Card and a PAN Card or fill out an inquiry form and apply online at Dialabank’s digital platform for better convenience and tailored help.

✅ How to calculate Gold Loan Interest?

The interest rate on a gold loan varies based on the lending institution, the amount of the loan, the loan term, the loan to value ratio, and the quality of the gold. Dialabank makes it simple to verify and compare these rates online.

Which bank is best for Gold Loan Jammu?

Interest rates on gold loans vary based on the lending institution, the amount of the loan, the loan term, the loan to value ratio, and the quality of the gold. Dialabank makes it simple to verify and compare these rates online.