Best banks for Gold Loans in Sikar
Feature |
HDFC Bank |
Private 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 Sikar Features
Are you concerned about your financial reserves?
Do you want money for accomplishing your regular tasks?
Gold loans are something you should consider taking. With the required minimum paperwork or documentation, you can get your gold loan approved and verified in lesser time.
Why Gold Loan Sikar?
Gold Loan Sikar provides financial aid to the customers at the best affordable interest rates. To apply for a gold loan, an applicant should possess a gold article or gold ornament. Also, a good credit history along with a strong and healthy source of income helps in the faster verification and approval process.
Besides, you should take a loan of only up to 75 percent of the market value of gold, this happens only because of the variable market price of the gold.
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
Gold Loan Rate Per Gram in Sikar- Oct 05 2023
Updated - Gold Loan Per Gram Rate w.e.f Oct 05 2023 |
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| 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 |
To check Gold Loan per gram you can visit Loan against gold rate per gram.
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Gold Loan in Sikar Interest Rates and Charges – Oct 05 2023
|
Feature
|
Gold Loan
Interest Rate
|
Processing Fee
|
Tenure
|
| HDFC Gold Loan | 9.90% | 0.25 % - 1.50% | 3 - 24 Month |
| Private 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 |
To check Gold Loan Interest Rate for all major banks you can visit: Gold Loan Interest Rate
Gold Loan Eligibility Criteria in Sikar
Minimum and Maximum Age
Note: However, many banks require a minimum age of 23 years
Loan Amount
Interest rates are lower for a higher loan amount
Employment Type
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
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
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 with 18-24 carat purity
Employment track record and income proofs
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Gold Loan in Sikar Documents required
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 in Sikar Eligibility Criteria
For Gold Loan in Sikar, the Eligibility criteria are as follows:
- The loan aspirant should recognize himself/herself as an Indian citizen.
- The age of the applicant should be in between 21 and 60 years.
GOLD LOAN @ 0.75%*
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How to Apply for Gold Loan Sikar
Online Process to Apply for Gold Loan Sikar
The process of availing of a gold loan is simple with Dialabank. You can contact 9878981144 at any time for any assistance or help. Our experts will guide you through the journey. To apply online, the steps that are required to be followed are:
- Visit our site www.dialabank.com.
- Enter your details and fill the form.
- Our relationship manager will call and assist you through the entire process.
There are so many reasons why Dialabank is considered the best platform to apply for a gold loan online:
- Dialabank is India’s first financial helpline.
- It has its presence throughout the country.
- Dialabank provides a document pickup facility from the doorstep of the customer.
- No additional charges of applying for a gold loan online on the website of Dialabank.
- Minimum documentation.
- Expert advice.
Offline Process to Apply for Gold Loan Sikar
You can visit the branches near your location to avail gold loan per gram Sikar. But, that would reduce your chances of availing of the best offers. Also, you would not get a pick-up facility for your documents that is available only with Dialabank.
Processing Fees / Prepayment Charges on Gold Loan Sikar
GOLD LOAN @ 0.75%*
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EMI Gold Loan Scheme with Bullet Repayment Scheme Comparison
Monthly Payment
EMI Scheme (₹)
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
₹ 3 Lakh
Total Payment
₹ 3.24 Lakh
₹ 3.44 Lakh
CIBIL Score Required for Gold Loan Sikar
Provided that all the necessary documents are submitted, the banks and NBFCs provide a gold loan, irrespective of the CIBIL score.
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Compare Gold Loan Rate Per Gram and Lowest EMI of All banks in Sikar
| 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 Sikar Agent and Contact number
As a leading Gold loan Sikar Agent, Dialabank provides the best financial services to its customers. You can apply on Dialabank or contact 9878981166.
Dialabank aids you in analyzing the best choice between several banks and NBFCs by showing the complete structured market comparison. Once you go through it, you recognize your right choice without getting confused with the complex knowledge. You should go to our website, fill and submit a form. You will get called back by our customer relationship managers.
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About Sikar
Sikar is a city located midway between Agra and Bikaner on the National Highway 52 in the state of Rajasthan in India. It is the administrative headquarters of the Sikar District. Sikar is a historical city and contains many old Havelis.
Special Note: Always check Gold Loan Rate Per Gram before applying for a loan against gold.
Car Loan In Other Cities
| Gold Loan Haldwani | Gold Loan Bankura |
| Gold Loan Andul | Gold Loan Haridwar |
| Gold Loan Hamirpur | Gold Loan Barpeta |
| Gold Loan Balasore | Gold Loan Berhampur |
Gold Loan Sikar FAQs
✅ How to get Gold Loan in Sikar?
To get a gold loan a person can either walk into the nearest gold loan offering bank branch with their gold and basic documents like Aadhar Card and PAN Card or they can fill an inquiry form and apply online at Dialabank’s digital platform for better convenience and personalized assistance.
✅ How to calculate gold loan interest?
Gold loan interest rates vary depending upon the lending institute, amount of loan availed, loan tenure, loan to value ratio, and quality of gold. One can easily check and compare these rates online with Dialabank.
✅ Which bank is best for a gold loan?
HDFC Bank currently offers the best gold loan services in India. Starting with the low rates of interest, HDFC Bank offers various other facilities like a personal locker for your gold, same day disbursement of the loan amount, and highest LTV ratio to name a few.
