Gold Loan Loni

AT 0.75%* INTEREST RATE
APPLY NOW

I have read the Privacy Policy & Agree to Terms & Conditions and authorize Dialabank & its partner institutions to Call or SMS me with reference to my application.

Gold Loan Loni

Major Gold Loan Providers in Loni

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 Loni Features

Gold Loan Loni

If you want some loan and have a stable and rigid source of income, then databank brings you gold loan loni, which can help you cover your various expense in this changing world.

Gold loans up to 75 per cent of the market value of the gold can be availed, and you can spend the loan the way you want to; there is no restriction on the usage.

It would help if you had a good CIBIL score equal to or above 750 to avail of the loan. It just takes minutes to complete the application process, and after that, we will quickly get in touch with you to finish the loan process.

GOLD LOAN @ 0.75%*

APPLY NOW

+91

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 Loni Relationship Manager on 9878981144

Gold Loan Loni Interest Rates – Mar 29 2024

For more information click – Gold loan interest rate

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 @ 0.75%*

APPLY NOW

+91

Gold Loan Per Gram For All Major Bank in Loni – Mar 29 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 Loni

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 @ 0.75%*

APPLY NOW

+91

Documents for Gold Loan Loni

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 Loni

The eligibility criteria for gold loan is discussed below:

  1. The minimum age must be 21 years and a maximum of up to 60 years.
  2. An Indian national.

GOLD LOAN @ 0.75%*

APPLY NOW

+91

How to Apply for Gold Loan Loni

Online Process to Apply for Gold Loan Loni

Apply for the HDFC Bank Gold Loan at Dialabank. The process needs you to 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, you can call on 9878981166.

Dialabank is the best platform to apply for a gold loan online because:

  1. Dialabank is India’s first financial helpline. I
  2. Dialabank provides the best financial services to customers all over the country.
  3. Also, while applying for a gold loan through Dialabank, very little paperwork is required.
  4. One more thing is that you will get a high LTV of your gold.
  5. Another reason, if you apply for a gold loan on Dialabank, then you will get a low HDFC Gold Loan Interest Rate.
  6. Besides that, the bank has a good reputation among the customers because of its best services.
  7. Also, Dialabank provides a document pickup facility from the doorstep of the customer.
  8. 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.
  9. Finally, the representatives of Dialabank are trained to guide you in the entire process of Gold Loan.
Offline Process to Apply for Gold Loan Loni

For the offline process to apply for Gold Loan Loni, you can visit any nearby gold loan departments, which you can easily find on google.

Select the one you would most likely cover all your worries about a gold loan, but taking an offline loan is a tedious task and will require you to visit the branch again and again.

Still, if you want to apply for a gold loan offline, you can visit the below two branches for a faster offline loan process.

You can avail of loans from HDFC Gold Loan Branches or branches of Muthoot Gold Loan.

Processing Fees / Prepayment Charges on Gold Loan Loni

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
Private 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 @ 0.75%*

APPLY NOW

+91

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 Loni

Having a good CIBIL score is a must before applying for a Gold Loan Loni.

Every lending institution has its criteria for the minimum CIBIL score required for processing a Gold Loan application in Loni, and Most of these institutions require a minimum CIBIL score of 750 to process your loan application.

The institutions look at various factors before accepting your loan application, like looking at the detailed behaviour of the previous loan taken, and it also 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 you should keep your credit history good enough to get the loan.

GOLD LOAN @ 0.75%*

APPLY NOW

+91

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

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
Private 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 Loni Agents

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

Dialabank helps you to find the best option among various Banks and NBFCs by providing you with a detailed market comparison in an easy to understand of different banks so that you can make the right choice of availing the gold loan. Visit our website www.dialabank.com and fill up a simple form with your few personal and employment details. Our customer relationship managers will soon get in touch with you as soon as possible.

GOLD LOAN @ 0.75%*

APPLY NOW

+91

Gold Loan Loni Contact Number

Call 9878981166 and get instant help and approval for Gold Loan in Loni.

Pre Calculated EMI Table for Gold Loan Loni

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 @ 0.75%*

APPLY NOW

+91

About Loni

Although known to be a historically famous site in Uttar Pradesh, Loni is a premium destination of contemporary living as well. Located near New Delhi, the town of Loni is known to be one of the fastest-growing areas in the District Ghaziabad of Uttar Pradesh. Easily reached from all major locations in and around the city and also accessible from the other distant parts of the state, Loni is identified to be a place not only flourishing as a prime industrial hub but also to be a famous tourist spot in the Ghaziabad District of Uttar Pradesh with its several popular tourist attractions in and near the city.

Gold Loan in other Cities

Gold Loan Kushinagar Gold Loan Kundara
Gold Loan Kundapur Gold Loan Howrah
Gold Loan Kiwana Gold Loan Kirari
Gold Loan Kiraoli Gold Loan Khurja

GOLD LOAN @ 0.75%*

APPLY NOW

+91

Gold Loan Loni FAQs

✅ How to take Gold Loan?

To get a gold loan, you can visit the nearest banking/NBFC branch that offers a gold loan service with your gold and basic required documents like Aadhar and PAN Card. You can also apply online through Dialabank’s digital platform for getting the lowest interest rates, better convenience, transparent and personalized assistance.

✅ What is the Gold Loan interest rate?

Gold loan interest is what a borrower pays in addition to the principal loan amount. Banks and other financial institutes offer different interest rates. On average, this usually varies between 10.50% and 12% per annum.

✅ How to get a Gold Loan license?

If you want to start a gold loan business, then you must get approval from the RBI. You will have to submit the required documents with an application form to the RBI to get yourself registered.