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 Jhansi

    Major Gold Loan Providers in Jhansi

    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 Jhansi Features

    Gold Loan Jhansi

    Are you running short out of cash and need money? So gold loan Jhansi is here for you to give you a loan if you have a stable and good enough source of income with a good CIBIL score. The loan process is faster and smoother.

    • Loan up to 75% of the value of gold.
    • Attractive interest rates.
    • Safety and security of your gold jewellery.
    • Flexible repayment options.
    • No hidden charges


    gold loan

    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 Jhansi Relationship Manager on 9878981144

    Gold Loan Jhansi Interest Rates – Jul 25 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

    Gold Loan Per Gram For All Major Bank in Jhansi – Jul 25 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 Jhansi

    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.


    gold loan

    Documents for Gold Loan Jhansi

    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 Jhansi

    1. The minimum age requirements of the individual should be 21 years and a maximum of up to 60 years.
    2. They should have Indian Nationality.


    gold loan

    How to Apply for Gold Loan Jhansi

    Online Process to Apply for Gold Loan Jhansi

    One of the banks which is best for gold loan Jhansi is HDFC gold loan; you can apply for the HDFC Bank Gold Loan at Dialabank. The process is as follows, to start in, you have to fill a simple form online.

    After that, we will call back from our side. Furthermore, you will get a document to pick up the facility from your doorstep. For more information, you can call on 9878981166.

    Dialabank is considered 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; it provides the best financial services to customers all over the country.
    2. Very little paperwork is required at Dialabank while applying for a loan.
    3. One more thing is that you will get a high LTV of your gold with Dialabank.
    4. All Relationship managers are trained enough to guide you in the entire process of Gold Loan.
    5. Dialabank has a good reputation among the customers because of its top services.
    6. Another reason, if you apply for a gold loan on Dialabank, then you will get a low HDFC Gold Loan Interest Rate.
    7. Also, Dialabank provides a document pickup facility from the doorstep of the customer.
    8. Dialabank guides the customers free of cost or hidden charges. That is, there are no additional charges of applying for a gold loan online on the website of Dialabank.

    Offline Process to Apply for Gold Loan Jhansi

    Applicants can avail of the offline gold loan per gram easily though it is not as easy as it is online.

    The applicant also has an option to avail of an HDFC Gold Loan from the nearby branches, which is the most preferred option.

    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.

    Processing Fees / Prepayment Charges on Gold Loan Jhansi

    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


    gold loan

    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 Jhansi

    CIBIL score is the credit score that a bank and other institutions check before giving you any loan.

    Also, every lending institution has its criteria for the minimum CIBIL score required for processing a Gold Loan application in Jhansi. Most institutions prefer a minimum score of 750 to process your loan application.

    Every institution at an overall score, like the detailed behaviour on 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.

    So maintain a good CIBIL score.


    gold loan

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

    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 Jhansi Agents

    Dialabank is the best agent for availing Gold Loan in Jhansi. You can apply online at www.dialabank.com or give a call at 9878981166

    Dialabank helps you to find the best option and most preferred option of Banks and NBFCs by providing you with a detailed market comparison of different banks and financial institutions so that you can make the correct and best choice for your future needs.

    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.


    gold loan

    Gold Loan Jhansi Contact Number

    Call 9878981166 and get instant help and approval from the databank for Gold Loan in Jhansi.

    Pre Calculated EMI Table for Gold Loan Jhansi

    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


    gold loan

    About Jhansi

    Jhansi is a historic city in the Indian state of Uttar Pradesh. It lies in the region of Bundelkhand on the banks of the Pahuj River, in the extreme south of Uttar Pradesh. Jhansi is the administrative headquarters of the Jhansi district and the Jhansi division. Jhansi is well connected to all other major towns in Uttar Pradesh by road and railway networks. The National Highways Development Project has supported the development of Jhansi. Jhansi is also being developed as the defence corridor by the NDA government, which will boost the economy of the city and the region at the same time.

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    gold loan

    Gold Loan Jhansi FAQs

    ✅ Which Bank provides the Lowest Gold Loan interest rate?

    Today HDFC Bank is offering the lowest rate of interest on gold loans starting at 10.50% per annum. HDFC Bank’s LTV (Loan to Value) Ratio is 75%.

    How much Gold Loan can I get per gram in Jhansi?

    It Depends upon the purity of your gold; banks offer gold loans in Jhansi between ₹ 3,506 to ₹ 4,621 per gram of gold.

    Which bank is best for Gold Loan in Jhansi?

    HDFC Bank currently offers the best gold loan services in Jhansi and all over India. Hdfc offers Low rates of interest, multiple facilities like a personal locker for your gold, disbursement of the loan amount on the same day, and the highest LTV ratio.