Gold Loan Sikar

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

Gold Loan Sikar

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

You Can Call and Speak with a Gold Loan Relationship Manager on 9878981144

Gold Loan Rate Per Gram in Sikar- Apr 19 2024

Updated - Gold Loan Per Gram Rate w.e.f Apr 19 2024
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.

GOLD LOAN @ 0.75%*

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Gold Loan in Sikar Interest Rates and Charges – Apr 19 2024

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	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.

GOLD LOAN @ 0.75%*

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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.

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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

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

GOLD LOAN @ 0.75%*

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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 Sikar

Provided that all the necessary documents are submitted, the banks and NBFCs provide a gold loan, irrespective of the CIBIL score.

GOLD LOAN @ 0.75%*

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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.

GOLD LOAN @ 0.75%*

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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.

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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.