Gold Loan Shahjahanpur

AT 0.75%* INTEREST RATE
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Gold Loan Shahjahanpur

Major Gold Loan Providers in Shahjahanpur

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Gold Loan Shahjahanpur Features

gold loan shahjahanpur

  1. 100% Safety & Security of your Gold Jewelry is assured here.
  2. In less than 30 minutes, Get your Loan processed.
  3. Enjoy Anytime Liquidity.
  4. No EMI, Service only Interest and enjoy the Loan facility
  5. Lower Interest Rates
  6. For the only amount of the overdraft that you use, you have to pay the interest.

GOLD LOAN @ 0.75%*

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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 Shahjahanpur Interest Rates Apr 19 2024

Bank Interest Rate
HDFC Bank Gold Loan 9.9% to 14%
Axis Bank Gold Loan 10.50% to 16%
Private 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%

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Gold Loan Per Gram For All Major Bank in Shahjahanpur Apr 19 2024

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
Private Gold Loan ₹ 3,506 to ₹ 4,821 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 Shahjahanpur

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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Documents for Gold Loan Shahjahanpur

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 Shahjahanpur Eligibility Criteria

  1. The minimum age of the applicant must be at least 21 years old.
  2. The applicant should not exceed the age limit of 60 years.
  3. The applicant must have Indian nationality.

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How to Apply for Gold Loan Shahjahanpur

Offline Process to Apply for Gold Loan Shahjahanpur

The applicant also can avail of a Gold Loan from various banks at nearby branches. Then, until your loan is approved, you will have to visit again and again.

Thus, it can be a very hectic and drawn-out process. HDFC Gold Loan Branches can provide you with loans as well. 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.

Online Process to Apply for Gold Loan Shahjahanpur

To apply for a Gold Loan Shahjahanpur, Applicants don’t need to visit the bank’s branch as applicants can apply for it online at Dialabank. The process is very easy & handy. This involves only a few steps:

  • Click here and fill the form.
  • In the following 2 hours, the Relationship Manager Will Call the applicant.
  • Through the Dialabank website, compare Gold loan offers from several banks and NBFCs.
  • View the best offers available by checking the eligibility.
  • Keep in contact with the Relationship Manager of Dialabank for more assistance or select the desired bank.
  • Fill out a form to process the loan application after you select the bank.
  • You can schedule document pickup from home or office or upload all the documents.
  • The bank’s executive will give the applicant a verification call once the documents are verified.
  • Within 3-5 working days, if the loan gets approved, the amount will get disbursed to the applicant’s account.

Processing Fees / Prepayment Charges on Gold Loan Shahjahanpur

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
Private 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 Shahjahanpur

You can improve your CIBIL Score by repaying the Gold Loan Amount on time. No CIBIL score is considered for granting gold loans to the customer.

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

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
Private 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 Shahjahanpur Agents and Contact number

Dialabank has its presence across India. It is the leading agent for availing of Gold Loan in Shahjahanpur. You can apply online with dialabank or even give a call at 9878981166.

Dialabank is your best agent that will help you to find the best option from various banks and NBFCs by providing you with a detailed market comparison.

Call 9878981166 and get instant help and approval for Gold Loan in Shahjahanpur.

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Pre Calculated EMI Table for Gold Loan Shahjahanpur

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 Shahjahanpur

Shahjahanpur is a large city in Indian State Uttar Pradesh. Shahjahanpur is an industrial hub, and all leading industries are making their warehouses in Shahjahanpur because it gives them access to the Capital state of India, New Delhi, and trading has become much easier. Shahjahanpur has some leading Educational Institutes and is growing at a very fast speed.

गोल्ड लोन शाहजहांपुर के बारे हिंदी में जानिए: गोल्ड लोन शाहजहांपुर

Gold Loan in other Cities

Gold Loan Saram Gold Loan Santoshpur
Gold Loan Salempur Gold Loan Salemabad
Gold Loan Saiyadraja Gold Loan Sahjanwa
Gold Loan Sahibabad Gold Loan Saharanpur

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Gold Loan Shahjahanpur FAQs

✅ What is a gold loan?

The gold loan also referred to as a 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 a loan in Shahjahanpur?

To get a loan in Shahjahanpur, 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 Dialabank digital platform for better convenience and personalized assistance.

✅ To get a gold loan, do I need a co-applicant?

No, to avail of the Gold loan, you don’t need any co-applicant.