⍟  Lowest Interest Rate of 0.79% p.m.
⍟  Highest Rate Per Gram ₹ 5,121
⍟  No Melting of Your Gold
⍟  Get Loan in 1 Visit Only
⍟  100% Safety of Your Gold (kept in Bank Locker)

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Gold Loan Rayya

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Best banks for Gold Loans in Rayya

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 Rayya Features

Gold Loan Rayya

Do you want better financial prospects for you?

Are your cash savings going down?

In any financial situation, Gold is something that comes very handy. You can take a gold loan with minimum paperwork or documentation.

What are some Gold Loan Rayya features?

Gold Loan Rayya yields financial assistance at affordable interest rates to all its customers. Although the interest rates of gold loans may differ depending on the bank.

Moreover, if you have a reasonable and good credit history with a strong source of income. The loan gets approved much easily.

Also, you can take a loan of up to 75 percent of the market value of gold, this is due to the gold’s varying prices.

Gold Loan Rate Per Gram Today in Rayya

Updated - Gold Loan Per Gram Rate w.e.f 1st Jan 2021

Gold Weight Gold Purity
24 Carat
Gold Purity
22 Carat
Gold Purity
20 Carat
Gold Purity
18 Carat
1 gram 4680 4290 3900 3510
10 gram 46800 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

Gold Loan in Rayya Interest Rates and Charges

Feature
Gold Loan
Interest Rate
Processing Fee
Tenure
HDFC Gold Loan 9.90% 0.25 % - 1.50% 3 - 24 Month
ICICI Gold Loan 10.50% 0.25 % - 1.50%  9 - 24 Months
Axis Gold Loan 10.50% 0.50% - 1.50% 6 - 24 Months
Yes Bank Gold Loan 10.50% 0.50% - 1.50% 6 - 36 Months
SBI Gold Loan 9.50% 500/- to 0.50% 6 - 36 Months
Kotak Gold Loan 11.00% 1% to 2% 9 - 24 Months
IIFL Gold Loan 12.00% Nil 3 - 11 Months
Muthoot Finance Gold Loan 12.00% Nil 1 - 24 Months
Manappuram Gold Loan 12.50% Nil 6 - 12 Months
PNB Gold Loan 11.00% 0.70% to 1% 6 - 12 Months
Canara Bank Gold Loan 10.75% 1 % 6 - 12 Months
IndusInd Bank Gold Loan 11.50% 1% - 1.5% 9 - 24 Months

Gold Loan in Rayya Documents required

  1. 2 passport size photographs.
  2. Any form of Identity Proof (Passport Copy/ Driving License/Aadhaar/ Voters ID card/Other Govt. ID).
  3. Any form of Residence Proof (Ration card/ Electricity Bill/ Passport copy/Shop & Establishment License// Rental bills/ Sales Tax certificate/Telephone Bill).
  4. Any form of Signature Proof (Driving License/Banker’s verification//Passport Copy/Cheque/Other proofs of signature).

Other Documents Required for Gold Loan Rayya

  1. For Agriculture Loan of larger than Rs. 1 lac, a land proof will be necessary.
  2. No proof is obliged to allied agriculture plans.
  3. A Demand Promissory Note.
  4. The Bank will confer a certificate by the Certified Jewel Appraiser.
  5. Income proof: Salary Certificate and Form No.16

Gold Loan in Rayya Eligibility Criteria

  1. The claimant should be between- 21 years and 60 years.
  2. He or She should be acknowledged as Indian nationals.


gold loan at 7%

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How to Apply for Gold Loan Rayya

The Online Process to Apply for Gold Loan Rayya

You can apply for Gold Loan Rayya via Dialabank.

First, you have to visit the webpage of the Dialabank and fill an easy form.

After form submission, our customers will get in touch with you for further assistance.

You can know all about the gold loan by reaching 9878981166.

Dialabank is regarded as the principal gold loan agent in Rayya because of the following reasons:

  1. Dialabank is the country’s first financial helpline that caters services to the whole of India.
  2. The bank delivers the best financial services to its customers without requiring any additional charges
  3. The lowest interest rates on the Gold loans can be expected through Dialabank.
  4. Document pickup facility is available only with DialaBank for decreasing the verification process.
  5. The banks hold a good status among the customers because of their best services.
  6. Minimum documentation or paperwork is needed for the gold loan approval process.
  7. You will gain a better LTV of your gold, which means bliss for the borrower.
  8. Our relationship managers are trained actively to help at every point of the loan approval process.

The Offline Process to Apply for Gold Loan Rayya

The offline process of Gold Loan requires much more time. You need to search Gold Loans near you on Google, once you see the list of nearby banks or NBFCs, you can select the best out of them for yourself.

You need to visit banks again and again until the loan gets approved. Dialabank does that easily by sharing adequate information with the customers.

Processing Fees / Prepayment Charges on Gold Loan Rayya

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 Rayya

CIBIL score needed for Gold Loan Rayya is irrelevant as long as you have any gold ornament or article.

Gold Loan Rayya Agent and Contact number

As the leading gold loan agent in Rayya, Dialabank provides the smartest and fastest services. You can visit our webpage of Dialabank or contact 9878981166.

Dialabank shows a structured market comparison of different banks and NBFCs. This comparison helps borrowers make the right choice for themselves. You can visit the Dialabank website, fill and submit a form with your particulars. Then, our representatives will get in touch with you for further assistance.

Pre Calculated EMI Table for Gold Loan Rayya

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 Rayya

In the Amritsar district in the Indian state of Punjab, Rayya is a small city and municipal corporation. It is nearby the Beas river, Rayya is about 35 km from Amritsar and 45 km from Jalandhar city.

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