Gold Loan Palakkad


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Gold Loan Palakkad

Major Gold Loan Providers in Palakkad

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 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 gold 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 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%

To check Gold Loan Interest Rate for all major banks you can visit: Gold Loan Interest Rate

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 @ 0.75%*



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

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%
Private 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

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 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 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

5 Yrs
4 Yrs
3 Yrs

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.

Special Note: Always check Gold Loan Rate Per Gram before applying for loan against gold.