Gold Loan Rayagada


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    Gold Loan Rayagada

    Major Gold Loan Providers in Rayagada 

    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 Rayagada Features

    gold loan Rayagada

    Gold Loan is the number one solution if you are facing problems such as running short on savings or no clear future path. Do not worry a bit because Gold Loan is available for you when you are in need. This loan requires minimum paperwork as it is secured and you can get your loan approved within 48 hours after all the verification process.

    Gold Loan in Rayagada provides proper financial aid to the customers at the best affordable interest rates as low as 7 per cent. To get a Gold loan, the applicant needs to have a proper and reliable source of income and must a perfect credit history, which will make the verification and loan approval process much faster.

    Furthermore, the applicant can get up to 75 per cent of the market value of the gold even in sudden price fluctuations in the gold market.

    Gold Loan Rayagada Interest Rates

    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%

    Documents for Gold Loan Rayagada 

    The following documents are needed from the applicant:

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

    Additional Documents Required for Gold Loan Rayagada 

    1. Land Proof: If amount of Agriculture Loan is more than Rs. 1 lac. No proof is required for allied agriculture purposes.
    2. A Demand Promissory Note.
    3. Bank will arrange Certificate by the Jewel Appraiser.
    4. Income Proof: Salary Certificate and Form No.16

    Eligibility Criteria for Gold Loan Rayagada 

    1. The applicant should be between the age group of  (minimum) 21 to 60 (maximum).
    2. Applicant’s nationality must be INDIAN.

    GOLD LOAN @ 0.49%*



    How to Apply for Gold Loan Rayagada 

    Online Process to Apply for Gold Loan Rayagada 

    By filling up a simple user-friendly form online, you can easily apply for the Gold loan per gram in available banks such as ICICI, Axis, HDFC and others through Dialabank.

    In a short time, you will receive a call from our trained representative. Furthermore, Dialabank provides you with pick-up facility of your documents from your doorstep.

    For further information, you can call on +919878981166 anytime.

    Consider Dialabank as the best platform to apply for a Gold Loan online, because it is rated the best by its users. So many reasons avail behind this, some of them are:

    1. Providing the best known financial services to its customers all over the country, Dialabank is the first financial helpline in India.
    2. As it charges no additional cost of applying for a gold loan online on the website of Dialabank, it guides the customers cost-free.
    3. With Dialabank, you can get a high Loan-to-Value (LTV) of your gold.
    4. Many leading Banks are connected with Dialabank such as HDFC, ICICI, Axis, Muthoot, Yes bank and  others.
    5. Besides that, because of its best and fast services, the bank has a high reputation among its customers.
    6. a low Gold loan interest rate
    7. A low Gold Loan Interest Rate is given when Applying for a gold loan on Dialabank.
    8. Facility of document pickup from the applicant’s doorstep, is provided by Dialabank to ease the process.
    9. Processing your gold loan through Dialabank requires minimum paperwork.
    10. Finally, the Relationship managers are highly trained to guide and serve you in the entire process of Gold Loan.
    Offline Process to Apply for Gold Loan Rayagada 

    The applicant can also choose to avail of Gold Loan from the nearby physical branches. This can be done by searching ‘Gold Loan near me’ on google. It will enlist all the closest branches of banks and finance companies providing loans near your location. Please select them according to your preference and knowledge. However, Dialabank can do that for you in a quicker and organised manner.

    But if you choose to go with a physical branch which is near you, the applicant might have to visit the responsible departments to apply for the loan, again and again, before than loan gets finally approved as it is a complex process. However, some banks and finance companies can approve the loan process faster. Our recommendations are HDFC Gold Loan branches and Muthoot Gold Loan branches. But again, Dialabank can do this even faster by handling all complex processes. You just need to apply to believe.

    Processing Fees / Prepayment Charges on Gold Loan Rayagada 

    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%
    ICICI 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 Rayagada 

    No CIBIL score is required for Gold Loan, A gold article is a must.

    Before applying for a loan other than a gold loan, a good CIBIL score is a must. Every lending institution has its own guided criteria for the minimum required CIBIL score for processing a Loan application in Aizawl. It is basically a foundation for your loan. Generally, minimum CIBIL score of 750 to process your loan application without any failure is required by most of the institutions.

    Many institutions also look at the detailed behaviour on the previous loans taken by you along with your CIBIL score, including payment schedules and if all deadlines are met while repayment, details on the type of loan and the loan amount. Making sure your CIBIL score is good before applying for a loan is a good practice.

    Gold Loan Rayagada Agents

    One of the leading and most trusted gold loan agents in Rayagada is Dialabank. You can apply online at dialabank or give a call at +919878981166

    Dialabank works as a bridge to find the best option between several Banks and NBFCs by providing you with a detailed and structured market comparison of different banks. The unnecessary worries about the complex information and process  are eliminated  that you have to go through. So, you can make the right choice. Visit our website dialabank to fill a simple form for more details and our customer relationship managers will soon get in touch with you.

    Gold Loan Rayagada Contact Number

    Call +919878981166 and get instant help and approval for Gold Loan in Rayagada right now.

    Pre Calculated EMI Table for Gold Loan Rayagada 

    5 Yrs
    4 Yrs
    3 Yrs

    About Rayagada 

    Rayagada is a district in southern Odisha, which became a separate district in October 1992. Primarily the Khonds and the Soras are a major parts of its population that consists mainly of tribes, . Maharajah Vishwanath Dev Gajapati found it. It is well famous for its produces of bauxite and silicon. It has many famous points of interest, such as Majhighariani Temple, Chatikona waterfalls, The Hanging Bridge at Chekaguda and many more.

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