Gold Loan Kolhapur

Gold Rate: ₹ 5,121 Per Gram

⍟ Interest Rate 7.0% p.a. ⍟

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Loan Amount Up to 1 Crore
Loan Tenure Up to 48 Months
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Major Gold Loan Providers in Kolhapur

Feature
HDFC Bank
ICICI Bank
Muthoot Finance
Interest Rate
9.90%
10.50%
12%
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
Preclosure Chgs
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
2500
2600
2700*

Gold Loan Kolhapur Features

Gold Loan KolhapurGold Loans are a fitting way to avail short-term credit as most of the major banks and NBFCs provide the service at a low rate of interest and minimum documentation. Gold Loans are secured loans that can be availed by keeping your Gold ornaments/Jewelry as a collateral or security deposit. Banks sanction Gold Loan easily considering the fact that you repay the amount in the form of interest in regular intervals.

Gold Loan Kolhapur Interest Rates

Bank
Interest Rate
HDFC Bank Gold Loan
10.25% 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%

Documents for Gold Loan Kolhapur

  1. 2 passport size photographs (colored) of the applicant
  2. Signed Application form
  3. Proof of Identity such as Driving License/Passport/Aadhar Card/Voter’s ID, etc
  4. Signature Proof: Passport Copy/Driving License/Banker’s verification/cheque.
  5. Address proof: Telephone bill/Electricity Bill/ Rental bill/ Passport copy/Ration Card/Sales Tax certificate.
  6. Land Proof: In case of Agriculture Loan of more than Rs. 1 lac.(not required for allied agricultural purpose)
  7. Certificate by the Jewel Appraiser (Bank will arrange)
  8. A Demand Promissory Note.
  9. Income proof (i.e. salary slips/ Form 16) of the borrower

Eligibility Criteria for Gold Loan Kolhapur

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

gold loan at 7%

How to Apply for Gold Loan Kolhapur

Online Process to Apply for Gold Loan Kolhapur
  • You can avail of Gold Loan Kolhapur with a single click while sitting at home. Our customer relationship manager will be providing you the service of helping you choose the right type of loan for you.
  • Just fill a simple form so that our customer care department can look up for your finances can check your financial status and your eligibility for the loan that you have applied.
  • You will be led to the right banker for more details on your Loan. The bank executives will arrive at your doorsteps to collect the required documents from you.
  • Only at the time of submission of gold you have to pay a visit to the Bank, the rest will be taken care of by the Bank’s executives.

Dialabank is considered as 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. The online process is a time saving and convenient process
  3. Gold Loans can be availed at a reasonable rate of interest with minimum documentation requirement
  4.  Dialabank provides a document pickup facility from the doorstep of the customer.
  5. There is no processing fee or additional charges for availing the service through Dialabank
  6. The Relationship managers of Dialabank are trained and assist the customer without any hesitance
Offline Process to Apply for Gold Loan Kolhapur

The applicant also has an option to avail Gold Loan through offline process. This requires market research and requires you to physically visit the banks

The applicants need to search for the nearby banks offering Gold Loans and visit them at their working hours. Thereafter, their relationship manager will correspond and assist you according to your requirements.

FAQs About Gold Loan:

  • Who is eligible to avail of a gold loan in Kolhapur?

Anyone who is the owner or whose family member is the owner of gold jewelry of 18-24 carats and is a major can avail a gold loan easily. 

  • Our gold loans in Kolhapur better than personal loans?

Gold loans are better in Kolhapur as they don’t require an income or a CIBIL score level. They also require minimum documentation and offer repayment flexibility.

  • What are the documents required to avail of a gold loan in Kolhapur?

All a gold loan requires is an Id proof and an income proof. You don’t need an income proof for a gold loan. Since they require less documentation, they usually get approved easily. 

  • Are my ornaments safe in bank lockers?

Yes, your pledged gold is safely kept in the bank’s locker according to the standards applicable to these banks. Proper electronic surveillance is also deployed to keep your gold safe.

  • How do I repay my gold loan in Kolhapur?

After availing of a gold loan in Kolhapur you will have to make monthly EMI payments to the banks till the completion of the loan tenure. You have the option of making these payments through cash/ DD/ cheque or online transactions.

Meaning and process of Gold Loan:

A gold loan is a secured loan in which a person can keep his gold ornaments as a security with the bank in exchange for the loan amount.

To avail the best gold loan offer, just follow these steps:

  1. Just visit our website dialabank.com
  2. click on the gold loan option and fill your information in the space provided such as your name, location, gold in grams.
  3. Click on Apply now and wait for our relationship manager to contact you. He will assist you on every step of the way

Processing Fees / Prepayment Charges on Gold Loan Kolhapur

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

CIBIL Score Required for Gold Loan Kolhapur

Most of the major banks and NBFCs offer Gold Loan irrespective of the CIBIL score. The applicant should have all the necessary documents and should fulfill the eligibility criteria.

Gold Loan Kolhapur Agents

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

Dialabank helps you to find the best option of Banks and NBFCs by providing you with a detailed market comparison of different banks so that you can make choices suited for you. 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 Kolhapur Contact Number

Call 9878981166 and get instant help from our executives and approval for Gold Loan in Kolhapur.

Pre Calculated EMI Table for Gold Loan Kolhapur

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 Kolhapur

The city of Kolhapur is situated in the southwest part of the state of Maharashtra. It serves as the headquarters of the Kolhapur district. It is one of the fastest-growing cities in Maharashtra. It is known as ‘Dakshin Kashi’, the historical capital of Maharashtra state.

गोल्ड लोन कोल्हापुर के बारे मे हिंदी मे जाने

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