Gold Loan Palakkad

Gold Rate: ₹ 5,121 Per Gram

⍟ Interest Rate 7.0% p.a. ⍟

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Unlock the Real Value of your Gold
Lowest Rate of Interest
Get Money in 30 Mins
Loan Amount Up to 1 Crore
Loan Tenure Up to 48 Months
Unbiased Experts Advice

Major Gold Loan Providers in Palakkad

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 Palakkad Features

gold Loan Palakkad

Gold Loan comes as a solution for you whenever you are in need of some instant cash as it takes less time and is effortless. The loan is secured against gold so it requires less paperwork and you can even get your loan approval within 48 hours of all the verification process.

Gold Loan Palakkad loan offers financial aid at the most suitable interest rates for its customers. If the applicant wishes to get a Gold loan, a fixed and good income source with a stable credit history, which will make the verification and loan approval process faster.

Furthermore, you can also get a loan amount of up to 75 percent of the market value of gold, this is due to fluctuation in the market price of the gold.

Gold Loan Palakkad 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 Palakkad

  1. Identity Proof can be any of the following: Passport Copy/ Voters ID card/ Driving License/Aadhaar card.
  2. Proof of Address can be any of the following: Ration card/ Tel, Electricity Bill/ Rental bill/ Passport copy/Trade license /Shop & Est. License/Sales Tax certificate.
  3. Proof of Signature can be any of the following: Passport Copy/Driving License/Banker’s verification/cheque.
  4. 2 passport size photos.

Additional Documents Required for Gold Loan Palakkad

  1. Land Proof: In Agriculture Loan of over Rs. 1 lac. The same is not required for allied agriculture purposes.
  2. A Demand Promissory Note.
  3. Certification by the Jewel Appraiser (Bank will arrange).
  4. Proof of Income: Salary Certificate and Form No.16

Eligibility Criteria for Gold Loan Palakkad

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

gold loan at 7%

How to Apply for Gold Loan Palakkad

Online Process to Apply for Gold Loan Palakkad

To proceed for the online process, you can even apply for the HDFC Bank Gold Loan at Dialabank.

You are just required to fill a simple online form.

After completing the form, you will get a call from our representative for further guidance. Dialabank even offers a document pick up facility from the doorstep of the customer.

For details, you can contact us on 9878981144 anytime.

Dialabank is regarded as the most reliable platform to apply for a gold loan online due to the fact that:

  1. Dialabank is India’s first financial helpline; it has proved to offer the most convenient financial services to all its customers.
  2. Dialabank has free of cost policy for guidance which implies that the customers need not pay for any additional charges to apply for a gold loan online on the Dialabank website.
  3. A high LTV of your gold counts as one of the benefits.
  4. With its quick and quality services, the bank stands with a good reputation amongst its customers.
  5. Moreover, by applying for a gold loan through the website of Dialabank, you will also avail of a low HDFC Gold Loan Interest Rate.
  6. For a more comfortable experience, Dialabank provides a doorstep document pickup facility for all the customers.
  7. When you choose to apply for a gold loan through Dialabank, very little documentation is required.
  8. Finally, the Relationship managers are upskilled to assist you properly in the process of Gold Loan.

 

Offline Process to Apply for Gold Loan Palakkad

The candidate can also avail of Gold Loan through the offline process,i.e., from the nearby branches. To proceed further, search for Gold Loan nearby on google. The search will present you with all the available finance companies as well as bank branches that are providing gold loans near you. After getting all the available options, you will have to select them with your knowledge but if you are looking for a faster and easier process Dialabank can do that for you.

To apply or the loan, you will have to visit several departments, and then you can expect many more visits before your loan gets finally approved.

Whereas if you are looking for a faster process, there are some banks and finance companies available which includes HDFC Gold Loan branches and Muthoot Gold Loan branches.

You can obtain gold loans from HDFC Gold Loan Branches. If you wish to locate a branch that is nearby, you can search Muthoot Gold Loan near me. Google will show all the Muthoot Gold Loan Branches nearby.

 

Processing Fees / Prepayment Charges on Gold Loan Palakkad

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 Palakkad

As every lending institution in Palakkad requires a minimum CIBIL score criterion to process a Gold Loan application, a CIBIL score is a very important aspect before you apply for a gold loan. A minimum CIBIL score of 750 is required by most institutions to process a gold loan application.

The institutions also consider the details of the previous loan taken which includes the repayment behavior, the amount borrowed, and the type of loan taken. Any late payments during the previous loans act as a hurdle between you and your loan approval. This makes a good CIBIL score necessary before you wish to apply for a gold loan.

 

Gold Loan Palakkad Agents

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

Dialabank helps you to find the best option amongst several Banks and NBFCs by providing you with a 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.

Gold Loan Palakkad Contact Number

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

Pre Calculated EMI Table for Gold Loan Palakkad

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 Palakkad

Palakkad which is also known as Palghat is a city in the state of Kerala. The city is often regarded as the rice bowl of Kerala. The points of interest also include Palakkad Fort, Rock garden, Hanuman Temple, and the Ratholsavam chariot festival.


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