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    Gold Loan Ooty

    Major Gold Loan Providers in Ooty

    Feature
    HDFC Bank
    ICICI Bank
    Muthoot Finance
    Interest Rate
    9.50% onwards
    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
    3,066
    3,073
    3,073

    Gold Loan Ooty Features

    gold loan ootyGold Loans are now pretty easy and less time consuming to avail as most of the major banks and NBFCs provide the service at a reasonable 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 for short-term credit. Banks sanction Gold Loan easily considering the fact that you repay the amount in the form of interest in a specific period of time. If you fail to repay, the loan can be renewed.

    Gold Loan Ooty 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 Ooty

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

    Eligibility Criteria for Gold Loan Ooty

    1. The applicant must be at least 21 years old.
    2. The applicant should not be more than 60 years of age.
    3. The applicant must have Indian nationality.


    gold loan at 7%

    हिंदी में पढ़े | தமிழில் படியுங்கள்

    How to Apply for Gold Loan Ooty

    Online Process to Apply for Gold Loan Ooty
    • You can apply for the Gold Loan at Dialabank.
    • It is less time consuming and convenient
    • Fill an online form with personal details
    • Our relationship manager will then contact you for further assistance
    • You can also avail of a document pick up facility from your doorstep.
    • For more information, you can call at 9592046860.

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

    1. Dialabank is India’s first financial helpline; it provides the best financial services to customers all over the country.
    2. The bank has a good reputation among the customers because of its best services.
    3. Gold Loans can be availed at a low Gold loan interest rate with a 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 of 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 Ooty

    The applicant also has an option to avail Gold Loan per gram through the offline process. This requires market research as well as some manual efficiency.

    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 requiring repeated visits to the nearest branch.

    Processing Fees / Prepayment Charges on Gold Loan Ooty

    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 Ooty

    No, the banks do not check the CIBIL Score of a person to approve a gold loan. Loan Against Gold is a secured service, hence, the bank is not concerned about the repayment history of a person. Because, even if the applicant fails to repay the loan, the banks can cover the loan amount through the gold ornaments that they have in their possession.

    Read More: What is CIBIL Score?

    Gold Loan Ooty Agents

    Dialabank is one of the leading agents for availing Gold Loan in Ooty. 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 the right choice. 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 Ooty Contact Number

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

    Pre Calculated EMI Table for Gold Loan Ooty

    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 Ooty

    Ooty, is a town, of a municipality and the district capital of the Nilgiris district in the state of India of Tamil Nadu. Ooty is popular for its hill station which is located in the Nilgiri Hills. It is originally occupied by the Todas, and the area came under the rule of the East India Company at the end of the 18th century. Now the town’s economy is based on tourism and agriculture of Ooty.

    गोल्ड लोन इंदौर के बारे हिंदी में जानिए: गोल्ड लोन इंदौर