⍟  Highest Rate Per Gram
⍟  Lowest Interest Rate of 0.79% p.m.

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    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

    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 – Aug 05 2021

    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%
    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 Loni – Aug 05 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 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

    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

    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

    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%
    ICICI Bank Gold Loan
    0.25% to 1.50%
    2%, Nil foreclosure charges after 9 months
    SBI Gold Loan
    500/- to 0.50%
    Kotak Gold Loan
    1% to 2%
    2.25% of fore closure amount if closed 1 month ahead of the tenure.
    IIFL Gold Loan
    Muthoot Gold Loan
    Manappauram Gold Loan
    PNB Gold Loan
    0.70% to 1%
    Canara Bank Gold Loan
    Andhra Bank Gold Loan

    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 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

    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
    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 Loni Agents

    Dialabank is the best agent for availing of a Gold Loan in Loni. You can apply online at 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 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

    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

    5 Yrs
    4 Yrs
    3 Yrs

    gold loan

    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.

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    gold loan

    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.