Gold Loan Noida

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Gold Loan Noida

Major Gold Loan Providers in Noida

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 Noida Features

Running short out of cash? Do not know what to do? Do not worryGold Loan Noida Features Gold Loan is available for you. This loan requires less paperwork, as it is secured in nature and you can get your loan approved within 48 hours after all the verification process.

Gold Loan provides financial aid to the customers at best affordable interest rates. To get a Gold loan, the applicant needs to have a rigid and good source of income and has a good credit history, which will make the verification and loan approval process faster.

Furthermore, you can get loan up to 75 per cent of the market value of gold, this is due to fluctuation in the market price of the gold.

GOLD LOAN @ 0.75%*

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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 Noida Interest Rates Sep 30 2023

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%

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Gold Loan Per Gram For All Major Bank in Noida Sep 30 2023

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 Noida

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.

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Documents for Gold Loan Noida

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 Noida

  1. The minimum age of the individual should be 21 years and maximum up to 60 years.
  2. Must be having Indian Nationality.

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How to Apply for Gold Loan Noida

Online Process to Apply for Gold Loan Noida

The process of availing a gold loan is simple with Dialabank. You can contact 9878981144 any-time for any assistance or help. Our experts will guide you through the journey. To apply online, the steps that are required to be followed are:

  • Visit our site www.dialabank.com.
  • Enter your details and fill the form.
  • Our relationship manager will call and assist you through the entire process.

Dialabank is considered as the best platform to apply for a gold loan online. There are so many reasons behind this, some of them are:

  1. Dialabank is India’s first financial helpline; it provides the best financial services to customers all over the country.
  2. 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.
  3. One more thing is that you will get high LTV of your gold.
  4. Besides that, the bank has a good reputation among the customers because of its best and fast services.
  5. If you apply for a gold loan on Dialabank, then you will get a low Gold Loan Interest Rate.
  6. Dialabank provides document pickup facility from the doorstep of the customer to ease the process.
  7. Also, while applying for a gold loan per gram through Dialabank, very less paperwork is required.
  8. Finally, the Relationship managers are trained thoroughly to guide and serve you in the entire process of Gold Loan.

Offline Process to Apply for Gold Loan Noida

The applicant also has an option to avail Gold Loan from the nearby branches. To do so, search Gold Loan near me on google. It will enlist all the branches of banks and finance companies providing loan near you. You need to select them according to your preference and knowledge, but Dialabank can do that for you in a quicker and better manner.

Processing Fees / Prepayment Charges on Gold Loan Noida

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

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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 Noida

Having a good CIBIL score is must before applying for a gold loan, that is why every lending institution has its own criteria for the minimum CIBIL score required for processing a Gold Loan application. Most institutions require a minimum score of 750 to process your loan application.

Not just your CIBIL score, the institutions also look at 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 a fresh loan. So make sure your CIBIL score is good before applying for a loan.

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

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 Noida Agents

One of the leading and most trusted gold loan agents in Delhi is Dialabank. You can apply online at www.dialabank.com or give a call at 9878981144.

Dialabank helps you to find the best option between several Banks and NBFCs by providing you with the detailed and structured market comparison of different banks so that you do not need to worry about the complex information and process you have to go through and hence you can make the right choice. Visit our website www.dialabank.com and fill a simple form asking for some details and after that our customer relationship managers will soon get in touch with you.

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Gold Loan Noida Contact Number

Call 9878981144 and get instant help and approval for Gold Loan in Delhi right now.

Pre Calculated EMI Table for Gold Loan Noida

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

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About Noida

Noida is a planned city in India’s northern state of Uttar Pradesh. The riverside Okhla Bird Sanctuary is home to migratory and native birds, plus jackals and butterflies. Plants at the Botanic Garden of Indian Republic include water lilies and cacti. The ISKCON Noida temple has a diorama depicting the life of Lord Krishna. Southwest of Noida, Surajkund lake is a 10th-century reservoir with the ruins of a sun temple.

गोल्ड लोन नोएडा के बारे में हिंदी में जानिए गोल्ड लोन नोएडा

Other Cities for Gold Loan

Gold Loan Panjim Gold Loan Ponda
Gold Loan Calangute Gold Loan Vasco
Gold Loan Mapusa Gold Loan Bharuch
Gold Loan Margao Gold Loan Bhavnagar

GOLD LOAN @ 0.75%*

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FAQs About Gold Loan

✅ What is Gold Loan?

The gold loan also referred to as ‘loan against gold’ is a type of 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 Gold Loan in Noida?

To get a gold loan in Noida 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 Gold Loan interest rate in Noida?

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 has lowest interest rate for gold loan in Noida?

Currently, HDFC Bank is offering the lowest rate of interest for a gold loan starting at 10.50% per annum. HDFC Bank grants loans with an LTV ratio between 70% to 75%.

✅ Which bank is best for gold loan in Noida?

HDFC Bank currently offers the best gold loan services in Noida. 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 highest LTV ratio to name a few.