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    Gold Loan Shimla

    Best Banks for Gold Loan in Shimla

    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 Shimla Features

    Gold Loan Shimla

    Gold Loans are now pretty easy and convenient to avail as most of the major banks and NBFCs provide the service at a reasonable Gold loan interest rate and minimum documentation. Gold Loans are secured loans that can be availed against your Gold ornaments/Jewelry as a collateral or security deposit mostly for short-term credits. Banks sanction Gold Loan easily considering the fact that you repay the amount in the form of interest at regular intervals.

    Gold Loan Rate Per Gram Today in Shimla

    Updated - Gold Loan Per Gram Rate w.e.f Jun 21 2021

    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

    Gold Loan in Shimla 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 Shimla Documents Required

    1. Signed Application form for Gold loan
    2. Signature Proof: Passport Copy/Driving License/Banker’s verification/cheque.
    3. Land Proof: For getting an agriculture loan above Rs 1 Lakh. (not required for allied agricultural purpose)
    4. Identity proof such as Driving License/Passport/Aadhar Card/PAN Card, etc.
    5. Proof of residence: Ration card/ Tel, Electricity Bill/ Rental bill/ Passport copy/Sales Tax certificate.
    6. Certificate by the Jewel Appraiser (Bank will collect it)
    7. 2 recent passport size photographs (coloured)
    8. A Demand Promissory Note.
    9. Proof of Income (i.e. salary slips/ Form 16) of the borrower.

    Gold Loan in Shimla Eligibility Criteria

    1. He/She should be salaried or self-employed.
    2. The applicant’s minimum age should be 21 years and maximum age of up to 60 years.
    3. The applicant should be an Indian National.


    gold loan at 7%

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    How to Apply for Gold Loan Shimla

    Online Process to Apply for Gold Loan Shimla
    • You can apply for the Gold Loan per gram at Dialabank anytime.
    • Just fill an online form using the necessary details.
    • Our relationship manager will then contact you for any assistance required.
    • You can also avail of a document pick up facility from your doorstep.
    • For more information about Gold Loan Shimla, you can call on 9878981166.

    Dialabank is considered as a leading and trusting platform to apply for a gold loan online. The reasons behind this are as follows:

    1. Dialabank is India’s first financial helpline; Dialabank provides the best financial services to the applicants all over the country.
    2. Gold Loans can be availed at a Lowest Interest Rate On Gold Loan with minimum documentation requirements.
    3. Dialabank has a good reputation among the customers because of its fast services.
    4.  Dialabank offers a document pickup facility from the doorstep of the customer.
    5. Dialabank does not charge any additional fees.
    6. The Relationship managers of Dialabank are instructed thoroughly and assist the customer without any hesitance.
    Offline Process to Apply for Gold Loan Shimla

    Gold Loan can also be availed through an offline process that requires physically visiting the nearby bank branches.

    The applicants need to search for the nearby banks offering Gold Loans and visit the nearest branch. Thereafter, their relationship manager will correspond and assist you according to your need.

    Processing Fees / Prepayment Charges on Gold Loan Shimla

    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 Shimla

    Most of the major banks and NBFCs offer Gold Loan without asking for the CIBIL score. The applicant should have all the necessary documents and must fulfill the eligibility criteria.

    Gold Loan Shimla Agent and Contact Number

    Dialabank is the leading agent for availing Gold Loan in Shimla. You can apply at www.dialabank.com or contact at 9878981166.

    Dialabank helps you to find the best option of Banks and NBFCs by offering you with a detailed market comparison of different banks so that you can make the right decision. Visit www.dialabank.com and fill an online form with your details. Our executives will soon get in touch with you.

    Gold Loan Shimla Contact Number

    Contact at 9878981166 and get instant help and approval for Gold Loan in Shimla.

    FAQs About Gold Loan

    • Are all residents of Shimla eligible for availing of a gold loan?

    No, for those who follow these criteria are eligible:

    1. Above 18 years of age
    2. The applicant’s maximum age is 70 years at loan maturity.
    3. The consumer or his/her family member is in ownership of gold of a minimum of 18 carats.
    4. The applicant should be an Indian resident
    • Are gold loans a better choice than personal loans in Shimla?

    Gold loans are better as they get disbursed easily, demand less documentation, offer a higher loan amount, and allow flexible repayment.

    • Do I need proof of income for a gold loan?

    No, a gold loan doesn’t need income proof, but only requires id proof, signature proof, and address proof.

    • Should I be worried about my jewellery?

    No, your jewellery is safe in the banks as it is guarded by cameras and other equipment. The gold is kept in lockers that match the applicable standards.

    • How do I repay my gold loan in Shimla?

    For repaying a gold loan in Shimla, you can make monthly EMI payments to the banks until the tenure ends, or pay the entire amount in the end. These payments can be made through cash/ DD/ cheque or online transactions.

    • What does a gold loan mean?

    A gold loan is a secured loan in which a person can keep his gold ornaments as a security with the bank in exchange for the loan amount.

    Pre Calculated EMI Table for Gold Loan Shimla

    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 Shimla

    The capital city of the state Himachal Pradesh, Shimla is a popular tourist destination throughout the year. Numerous places of attraction and pleasant weather with natural beauty make it a perfect holiday retreat.

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