Gold Loan Sedam

Gold Rate: ₹ 5,121 Per Gram

⍟ Interest Rate 7.0% p.a. ⍟

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Lowest Rate of Interest
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Loan Amount Up to 1 Crore
Loan Tenure Up to 48 Months
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Major Gold Loan Providers in Sedam

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 Sedam Features

What is a gold loan?

If we talk about the gold loan is a successful solution to remove the financial problems faced by the customer. The best financial tool that helps a person to meet the required amount is Gold loan that too without any hassle. A person who is not eligible for any other loan can apply for a gold loan.Gold Loan Sedam

Many banks and NBFCs in India offer this financial service that anyone can easily take advantage of.  75 per cent of the market value of the gold can be given to the applicant even in sudden price fluctuations in the gold market.

Minimum paperwork is required for this loan as it is secured and within 48 hours after all the verification process  you can get your loan approved.

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

Other features of gold loan:

  1. Anytime Liquidity, meaning ready to use funds.
  2. Simple documentation and fast processing.
  3. Overdraft limit varies depending on the market rate of gold.
  4. Easy repayment schemes.
  5. No hidden charges.
  6. Premiums calculated on daily reducing balance

Gold Loan Sedam Interest Rates

Bank
Interest Rate
HDFC Bank Gold Loan
10.25% 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 Sedam

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 used as signature proofs: Banker’s Verification/Driving License/cheque/Passport Copy.
  4. 2 passport size photographs.

Additional Documents Required for Gold Loan Sedam

  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 Jewel Appraiser.
  4. Income Proof: Salary Certificate and Form No.16

Eligibility Criteria for Gold Loan Sedam

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

gold loan at 7%

How to Apply for Gold Loan Sedam

Online Process to Apply for Gold Loan Sedam

You can easily apply for the Gold Loan in available banks such as ICICI, Axis, HDFC and others through Dialabank online by filling up a simple user-friendly form.

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

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

Rated the best by its users, Dialabank is considered as the best platform to apply for a gold loan online. A lot of the reasons behind this, some of them are:

  1. Dialabank is the first financial helpline in India providing the best known financial services to its customers all over the country.
  2. Dialabank guides the customers cost-free, as it charges no additional cost of applying for a gold loan online on the website of Dialabank.
  3. You can get a high Loan-to-Value (LTV) of your gold with Dialabank.
  4. Dialabank is connected with leading Banks such as HDFC, ICICI, Axis, Muthoot, Yes bank and many others.
  5. Besides that, the bank has a high reputation among its customers because of its best and fast services.
  6. Applying for a gold loan on Dialabank will get a low Gold Loan Interest Rate.
  7. Dialabank provides a facility of document pickup from the applicant’s doorstep to ease the process.
  8. Processing your gold loan through Dialabank requires minimum paperwork.
  9. 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 Sedam

The applicant can also choose to avail of Gold Loan from the nearby physical branches ‘Gold Loan near me’ on google can be searched for this. 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, in a quicker and organised manner,  Dialabank can do that for you .

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 .

 Prepayment Charges on Gold Loan Sedam/Processing Fees 

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 Sedam

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

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

It is not just your CIBIL score, many institutions also look at the detailed behaviour on the previous loans taken by you, including details on the type of loan and the loan amount, payment schedules and if all deadlines are met while repayment. Making sure your CIBIL score is good before applying for a loan is a good practice.

Gold Loan Sedam Agents

One of the leading and most trusted gold loan agents in Sedam 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. This eliminates the unnecessary worries about the complex information and process 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 Sedam Contact Number

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

Pre Calculated EMI Table for Gold Loan Sedam

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 Sedam

Sedam, also known as Seram is a small city in kalaburagi district in  Karnataka. It is also the headquarters of the Sedam Taluka. Some of the ancient and famous temples in Sedam town are Madhava Trilingeshwara Eshwara Temple, Kottala Basaveshwara Temple, Manvikeshwara Temple and more.


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