Gold Loan Kalyan

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    Gold Loan Kalyan

    Major Gold Loan Providers in Kalyan

    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 Kalyan Features

    Gold Loan KalyanClear all your debts in a few minutes. Apply for a gold loan with a Dialabank with low-interest rates. This loan is unsecured in nature with minimal documentation and less paperwork. This loan can get approved within 48 hours after the verification process.

    Gold Loan Kalyan is easy to apply and also easy to get. Gold Loan Kalyan is an unsecured loan that provides financial aid to customers at affordable interest rates. To get a gold loan, the applicant should have a good financial score with a good annual income. There is no end-use limitation on the use of the gold loan amount. You can use this loan amount anywhere you desire to do.

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    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 Rate by Purity in Kalyan

    Updated - Gold Loan Per Gram Rate w.e.f Aug 17 2022

    Gold Weight Gold Purity
    24 Carat
    Gold Purity
    22 Carat
    Gold Purity
    20 Carat
    Gold Purity
    18 Carat
    1 gram 4621 4290 3900 3510
    10 gram 46210 42900 39000 35100
    20 gram 93600 85800 78000 70200
    30 gram 140400 128700 117000 105300
    40 gram 187200 171600 156000 140400
    50 gram 234000 214500 195000 175500
    100 gram 468000 429000 390000 351000
    200 gram 936000 858000 780000 702000
    300 gram 1404000 1287000 1170000 1053000
    400 gram 1872000 1716000 1560000 1404000
    500 gram 2340000 2145000 1950000 1755000

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    Gold Loan Kalyan Interest Rates – Aug 17 2022

    Feature
    Gold Loan
    Interest Rate
    Processing Fee
    Tenure
    HDFC Gold Loan 9.90% 0.25 % - 1.50% 3 - 24 Month
    ICICI Gold Loan 10.50% 0.25 % - 1.50%  9 - 24 Months
    Axis Gold Loan 10.50% 0.50% - 1.50% 6 - 24 Months
    Yes Bank Gold Loan 10.50% 0.50% - 1.50% 6 - 36 Months
    SBI Gold Loan 9.50% 500/- to 0.50% 6 - 36 Months
    Kotak Gold Loan 11.00% 1% to 2% 9 - 24 Months
    IIFL Gold Loan 12.00% Nil 3 - 11 Months
    Muthoot Finance Gold Loan 12.00% Nil 1 - 24 Months
    Manappuram Gold Loan 12.50% Nil 6 - 12 Months
    PNB Gold Loan 11.00% 0.70% to 1% 6 - 12 Months
    Canara Bank Gold Loan 10.75% 1 % 6 - 12 Months
    IndusInd Bank Gold Loan 11.50% 1% - 1.5% 9 - 24 Months

    Gold Loan Per Gram For All Major Bank in Kalyan – Aug 17 2022Aug 17 2022

    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

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    Gold Loan Eligibility Criteria in Kalyan

    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 Kalyan

    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 Kalyan

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

    How to Apply for Gold Loan Kalyan

    Online Process to Apply for Gold Loan Kalyan

    You can apply for the 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 the facility from your doorstep. For more information about the gold loan Kalyan, you can call on 9878981166.

    Dialabank is considered the best platform to apply for a gold loan online. The reasons for this is given below:

    • First of all, Dialabank is India’s first financial helpline; it provides the best financial facilities to customers all over the country.
    • The bank has a good reputation among the customers due to its best and fast services.
    • Another benefit, if you apply for a gold loan on Dialabank, then you will get a low Gold loan interest rate.
    • Also, Dialabank provides a document pickup facility from the doorstep of the customer.
    • One more important thing is that Dialabank guides the customers free of cost. There are no additional charges of applying for a gold loan online on the website of Dialabank.
    • If you are applying for a Gold loan per gram through Dialabank, very little paperwork is required.
    • You can get a high LTV of your gold.
    • In the end, the Relationship managers are trained enough to guide you in the entire processing of Gold Loan Kalyan.

    Procedure for applying for a gold loan:

    •  Visit www.dialabank.com.
    • Click on the loan section, and you can find the gold loan link.
    • After clicking on the gold loan link, you will be directed with your details of a gold loan, and there you can choose your preferred city.
    • For more information and free assistance on the Gold Loan Kalyan, you may call 9878981166.

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    Processing Fees / Prepayment Charges on Gold Loan Kalyan

    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

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    CIBIL Score Required for Gold Loan Kalyan

    Every lending institution has the criteria for the minimum CIBIL score required for processing a gold Loan application in Kalyan. Most institutions require a minimum score of 750 to process your gold loan application.

    The institutions also look after the detailed behaviour of the previous loans taken. This involves details on the type of loan taken and the amount borrowed. Any late payments for previous loans can act as an obstacle to your availing of a fresh loan.

    To know more and to improve CIBIL score, visit Dialabank

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

    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

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    Gold Loan Kalyan Agents

    Dialabank has the leading agent for availing gold Loans in Kalyan. Just apply online at www.dialabank.com or give a call at 9878981166.

    Dialabank assists you in finding the best option for Banks and NBFCs by providing you with a detailed and descriptive market comparison of different banks to make the right choice. Visit www.dialabank.com and fill a simple form with your personal and employment details. Our relationship managers will get in touch with you very soon.

    Gold Loan Kalyan Contact Number

    Call 9878981166 and get instant help and approval for a Gold Loan Kalyan.

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    Pre Calculated EMI Table for Gold Loan Kalyan

    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 Kalyan

    Kalyan is a city in the district of Thane from the Indian state of Maharashtra. It is a segment of the Kalyan Metropolitan Region ( MMR). It is near to Kalyan city and is governed by Kalyan-Dombivli Municipal corporation. The official language spoken here is Marathi. Kalyan- Dombivli together form a municipal corporation, abbreviated as KDMC. Kalyan is the 9th biggest city in Maharashtra and 28th in the country.

    Anandi Gopal Joshi, from Kalyan, along with Kadambini Ganguly, was one of the first two Indian women to obtain a degree in Western medicine.

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    Gold Loan In Other Cities

    Gold Loan Kausa Gold Loan Amalner
    Gold Loan Patalganga Gold Loan Palluruthy
    Gold Loan Vasai Gold Loan Bicholim
    Gold Loan Virar Gold Loan Chandrapur

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    Gold Loan Kalyan FAQs

    ✅ What is a gold loan?

    The gold loan also referred to as a ‘loan against gold’, is a secured loan that a person can avail by keeping their gold ornaments as collateral security with the lender. Unlike other secured loans like car loans or home loans, a gold loan can be used for any purpose.

    ✅ How to get a gold loan in Kalyan?

    To get a gold loan in Kalyan, a borrower can either visit the nearest gold loan offering bank branch with their gold and basic documents such as Aadhar Card and PAN Card, or they can fill an inquiry form online at Dialabank’s digital platform.

    What is the gold loan interest rate in Kalyan?

    Gold loan interest is the monthly amount a borrower pays in addition to the principal loan amount. Different banks and financial institutes offer different rates of interest. On average, this rate varies between 10.50% and 12% per annum.

    ✅ Which bank is best for gold loans in Kalyan?

    HDFC Bank currently offers the best gold loan services in Kalyan. 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.