Gold Loan Ramagundam

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Gold Loan Ramagundam

Best Banks for Gold Loan in Ramagundam

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 Ramagundam Features

Gold Loan Ramagundam Features

Running short out of cash?

Do not know what to do?

Gold Loan is available for you no need to worry. This loan requires less paperwork, as it is unsecured and you can get your loan approved within 48 hours after all the verification process.

GoldLoan Delhi loan provides financial aid to the customers at the best affordable interest rates. The applicant needs to have a firm and good source of income and has a good credit history, to get a Gold loan, 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.

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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 Rates Per Gram in Ramagundam- Jan 27 2023

Updated - Gold Loan Per Gram Rate w.e.f Jan 27 2023

Gold Weight Gold Purity
24 Carat
Gold Purity
22 Carat
Gold Purity
20 Carat
Gold Purity
18 Carat
1 gram 4621 4290 3900 3510
10 gram 46210 42900 39000 35100
20 gram 93600 85800 78000 70200
30 gram 140400 128700 117000 105300
40 gram 187200 171600 156000 140400
50 gram 234000 214500 195000 175500
100 gram 468000 429000 390000 351000
200 gram 936000 858000 780000 702000
300 gram 1404000 1287000 1170000 1053000
400 gram 1872000 1716000 1560000 1404000
500 gram 2340000 2145000 1950000 1755000

To know more about Gold Loan Per Gram you can visit: Gold Loan rate Per Gram

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Gold Loan Ramagundam Interest Rates and Charges- Jan 27 2023

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

Gold Loan Eligibility Criteria in Ramagundam

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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Gold Loan Ramagundam Documents Required

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

Gold Loan Ramagundam Eligibility Criteria

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

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How to Apply for Gold Loan Ramagundam

Online Process to Apply for Gold Loan Ramagundam

At Dialabank, you can apply for the HDFC Bank Gold Loan.

Just fill a simple form online.

After that, our representative will give you a call. Furthermore, you will get a document to pick up facility from your doorstep.

You can call on 9878981166 anytime for more information.

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

  1. It provides the best financial services to customers all over the country . Dialabank is India’s first financial helpline.
  2. Dialabank guides the customers free of cost. No additional charges of applying for a gold loan online on the website of Dialabank are required.
  3. One more benefit is that you will get a high LTV of your gold on applying.
  4. Besides that, because of its best and fast services, the bank has a good reputation among the customers.
  5. You will get a low HDFC Gold Loan Interest Rate, if you apply for a gold loan on Dialabank.
  6. A document pickup facility is provided by Dialabank from the doorstep of the customer to ease the process.
  7. Also, very little paperwork is required, while applying for a gold loan through Dialabank.
  8. Finally, to guide and serve you in the entire process of Gold Loan, the Relationship managers are trained thoroughly.
Offline Process to Apply for Gold Loan Ramagundam

The applicant also can avail of Gold Loan from the nearby branches. Searching “Gold Loan near me” on google will help. All the branches of banks and finance companies providing loans near you will be enlisted. According to your preference and knowledge, you need to select them  but in a quicker and better manner Dialabank can do that for you.

Then you have to visit those departments and apply for the loan and have to visit many times before than loan gets finally approved.

HDFC Gold Loan branches and Muthoot Gold Loan branches are some banks and finance company where this process is much faster.

You can also avail loans from HDFC Gold Loan Branches according to your convenience. As well as to find a branch that is nearby, search Muthoot Gold Loan near me. Google will enlist all the Muthoot Gold Loan Branches near you.

Processing Fees / Prepayment Charges on Gold Loan Ramagundam

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

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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 Ramagundam

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

The institutions also look at the detailed behavior on the previous loans taken by you along with the CIBIL Score. Type of loan taken and the amount borrowed, these details are included in the list. To your availing a fresh loan, any delayed payments for previous loans can act as an obstacle. 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 Ramagundam

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 Ramagudam Agents and Contact Number

Dialabank is one of the leading and most trusted gold loan agents in Delhi. Give a call at 9878981166 or you can apply online at www.dialabank.com  

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, Dialabank helps you to find the best option between several Banks and NBFCs. 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.

Get instant help and approval for Gold Loan by Calling on 9878981166 in  Delhi right now.

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Pre Calculated EMI Table for Gold Loan Ramagundam

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 Ramagundam

Ramagundam is a city and municipal corporation in Peddapalli district of the Indian state of Telangana. It is the most populous city in the district and falls under the Peddapalli revenue division. It is located on the banks of the Godavari river.

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

Gold loan in other Cities

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Gold Loan Nakrekal Gold Loan Naidupeta

Gold Loan Ramagundam FAQs

✅ Who can take out a gold loan?

You must be between the ages of 18 and 65 to be eligible for a Gold Loan. The loan repayment period is also a part of the Gold Loan eligibility criterion. Gold Loans are typically available for a minimum and maximum tenure of 6 and 24 months, respectively, and you should be able to repay the loan within this time frame.

✅ What are gold loans, exactly?

A gold loan (also known as a loan against gold) is a secured loan obtained by putting the borrower’s gold goods (within the range of 18-24 carats) as collateral to a lender. Other than the pledged gold jewellery, you are not obliged to present any other security or collateral to the lender.

✅ Is it possible to transfer a gold loan?

A gold loan balance transfer is the process of moving a gold loan from one lender to another. If you are dissatisfied with customer service or find a better interest rate with another bank, you can move your gold loan account to them.