GET GOLD LOAN
AT LOWEST INTEREST RATE

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

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    Gold Loan Raipur

    Major Gold Loan Providers in Raipur

    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 Raipur Features

    Gold Loan Raipur Features

    Rolling out of funds?

    Do not grasp what to do?

    Do not suffer Gold Loan is possible for you. This loan requires less paperwork, as it is unsecured in nature and you can get your loan approved within 2-3 hours after all the verification process.

    Gold Loan Raipur loan provides financial aid to the customers at the best affordable interest rates. To receive a Gold loan, the candidate requires to have a resolute and reliable source of income, which will make the verification and loan approval process faster.

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


    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 Raipur Relationship Manager on 9878981144

    Gold Loan Raipur Interest Rates – Aug 05 2021

    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 Raipur – 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 Raipur

    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 Raipur

    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 Raipur

    1. The applicant should be at least 21 years of age
    2. The applicants’ age should not be more than 60 years
    3. He/she should be a national citizen


    gold loan

    How to Apply for Gold Loan Raipur

    Online Process to Apply for Gold Loan Raipur

    • You can apply for the Gold Loan at Dialabank.
    • You just have to fill a simple form online.
    • After that, you will get a call back from our representative.
    • Call on 9878981166 anytime.

    Dialabank is considered as the best platform to apply for a gold loan online. The reasons behind this are:

    1. Dialabank is India’s first commercial helpline; it gives the best commercial assistance to customers all over the nation.
    2. There are no additional costs of applying for a gold loan online on Dialabank.
    3. One more information is that you will get a huge LTV of your gold.
    4. The bank has a good name among the customers because of its most trustworthy and secure services.
    5. If you apply for a gold loan on Dialabank, then you will get a low Gold loan Interest Rate.
    6. Very little paperwork is required.
    7. Eventually, the Connection directors are trained completely to guide and serve you in the entire process of Gold Loan.

    Offline Process to Apply for Gold Loan Raipur

    The candidate also has an alternative to avail of Gold Loan per gram from the nearby branches. To do so, seek Gold Loan near me on google. It will record all the branches of banks and finance firms giving loans near you. You need to choose them according to your choice and knowledge. Then you have to visit those departments and apply for a loan and have to visit many times before than loan gets finally approved.

    But Dialabank can do that for you in a faster and more reliable manner.


    gold loan

    Processing Fees / Prepayment Charges on Gold Loan Raipur

    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

    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


    gold loan

    CIBIL Score Required for Gold Loan Raipur

    Having a good CIBIL score is a 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 in Raipur. Most companies require a least score of 750 to concoct your loan request.

    Not simply your CIBIL score, the organizations also see the specific behavior on the previous loans taken. This covers details on the type of loan taken and the amount borrowed. Any withheld adjustments for previous loans can act as a block to your availing a fresh loan. So make indisputable that your CIBIL score is good before applying for a loan.

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

    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

    Gold Loan Raipur Agents

    One of the preeminent and most advanced gold loan agents in Raipur is Dialabank. Apply online at Dialabank or call at 9878981166

    Gold Loan Raipur Contact Number

    Call 9878981166 and get immediate help and consent for Gold Loan in Raipur right now.


    gold loan

    Pre Calculated EMI Table for Gold Loan Raipur

    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 Raipur

    Raipur is the principal city of Chhattisgarh state in middle India. In the middle, the antique Dudhadhari Math temple is a holy monument dedicated to Lord Rama, decorated with scenes from the epic poem “Ramayana.”


    gold loan

    Other Cities for Gold Loan in Chattisgarh

    Gold Loan Kotpad Gold Loan Hodal
    Gold Loan Rajnandgaon Gold Loan Bijwasan
    Gold Loan Faridabad Gold Loan Burari
    Gold Loan Noida Gold Loan Karawal Nagar

    Gold Loan Raipur FAQs

    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 loan in Raipur?

    To get a loan in Raipur a borrower can either visit the nearest gold loan offering bank branch with their gold and basic documents such as Aadhar card, pan card or they can fill an inquiry form online at dialabanks digital platform for better convenience and personalized assistance.

    ✅ Which bank is best for gold loan in Raipur?

    HDFC offers the currently offers the biggest gold loan services in Raipur. Starting with 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.

    ✅ What is gold loan interest rate in Raipur?

    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.