Gold Loan Siliguri

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    Gold Loan Siliguri

    Major Gold Loan Providers in Siliguri

    Feature HDFC Bank SBI
    Muthoot Finance
    Interest Rate 9.90% onwards 7% onwards 12% onwards
    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
    Pre-closure Charges 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 3066 3073 3073

    Gold Loan Siliguri Features

    Gold Loan Siliguri

    1. You can avail of Loans up to Rs.1 Crore or more & up to 70% of value for any purpose.
    2. You get 100% Safety & Security of your Gold Jewelry
    3. Get your Loan processed in less than 30 minutes
    4. Enjoy Anytime Liquidity.
    5. No EMI, Service only Interest and enjoy the Loan facility
    6. Lower Interest Rates
    7. Simple documentation and fast processing.
    8. The overdraft limit varies depending on the market rate of gold.
    9. The interest rate is payable, the only amount of the overdraft that you use.

    GOLD LOAN @ 0.49%*

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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 Siliguri Relationship Manager on 9878981144

    Gold Loan Siliguri Interest Rates – Aug 17 2022

    Bank Interest Rate
    HDFC Bank Gold Loan 9.9% 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%

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    Gold Loan Per Gram For All Major Bank in Siliguri – Aug 17 2022

    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
    ICICI Gold Loan ₹ 3,506 to ₹ 4,621 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 Siliguri

    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 Siliguri

    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

    Eligibility Criteria for Gold Loan Siliguri

    1. The age requirements of the individual should be at least 21 years and a maximum of up to 60 years.
    2. The applicant should be an Indian National

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    How to Apply for Gold Loan Siliguri

    Online Process to Apply for Gold Loan Siliguri

    You can apply for the HDFC Bank Gold Loan at Dialabank. The process is very, very simple and easy. To start, you have to fill a simple form online, which can be done on pc or mobile phone.

    After that, you will get a call back from our side. Furthermore, you will get a document to pick up the facility from your doorstep. For more information, you can call on 9878981166.

    Dialabank is considered the best platform to apply for a gold loan online. There are so many reasons behind this.

    1. First of all, Dialabank is India’s first financial helpline; it provides the best financial services to customers all over the country.
    2. The bank has a good reputation among the customers because of its best services.
    3. If you apply for a gold loan on Dialabank, you will get a low HDFC Gold Loan Interest Rate.
    4. Dialabank provides a document pickup facility from the doorstep of the customer.
    5. Dialabank guides the customers free of cost. That is, there are no additional charges of applying for a gold loan online on the website of Dialabank.
    6. Less paperwork is required.
    7. You will get a high LTV of your gold.
    8. Relationship managers are trained enough to guide you in the entire process of Gold Loan.

    Offline Process to Apply for Gold Loan Siliguri

    The applicant also has an option to avail of a Gold Loan per gram from the nearby branches. To do so, search Gold Loan near me on Google to find out the various option listed there; you can find HDFC bank gold loan listed there too; these are the departments from where you can avail the loan. Then, you will have to visit again and again until the loan approval from these departments. Thus, it can be a very tiring and time-consuming process.

    For a better and faster option, avail of a loan from HDFC Gold Loan Branches. 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.

    Processing Fees / Prepayment Charges on Gold Loan Siliguri

    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

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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 Siliguri

    Most institutions require A minimum score of 750 to process your loan application promptly and faster. Every lending institution, be it banks or NBFCs, have its criteria for the minimum CIBIL score required for processing a Personal Loan application in Delhi.

    The institutions don’t just look at different parameters and not just the overall score.

    They look at the detailed behaviour of the previous loans taken. This includes details on the type of loan taken and the amount borrowed. Any delayed payments for previous loans can act as a barrier to your availing of a new loan.

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

    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
    ICICI 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 Siliguri Agents

    Dialabank is one of the leading agents for availing of Gold Loan in Siliguri. You can apply online at www.dialabank.com or give a call at 9878981166Dialabank helps you to find the best option from major Banks and NBFCs across the country by providing you with the market comparison of different banks in a detailed and crystal clear method so that you can make the right choice. Visit our website www.dialabank.com and fill a simple form with your personal and employment details. Our customer relationship managers will soon get in touch with you.

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    Gold Loan Siliguri Contact Number

    Call 9878981166 and get instant help and approval for Gold Loan now.

    Pre Calculated EMI Table for Gold Loan Siliguri

    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

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    About Siliguri

    Siliguri is a city in the northeast Indian state of West Bengal. It sits in the foothills of the Himalayas, surrounded by tea gardens. It’s home to the North Bengal Science Centre, with its digital planetarium and model T. rex. To the east is leafy Surya Sen Park, named after an independence activist, and the huge, white-domed ISKCON Temple. Farther north, the Salugara Monastery is a colourful Buddhist shrine.

    हिंदी में जानने के लिए यहाँ क्लिक करें: गोल्ड लोन सिलीगुड़ी

    Gold Loan in Other Cities

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    Gold Loan Murshidabad Gold Loan Islampur
    Gold Loan Medinipur Gold Loan Bagnan
    Gold Loan Raniganj Gold Loan Chandannagar

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    Gold Loan Siliguri FAQs

    What is a Gold Loan scheme?

    A gold loan scheme that provides loans against your gold. Any individual in need of quick finance can avail Gold loan scheme offered by all the leading banks and other non-banking financial companies.

     What happens if Gold Loan is not paid?

    Not paying your gold loan will negatively impact your credit score, making it difficult to get a loan in future, and you can also face legal actions by your bank/lender. These legal actions include prosecution under the law, hefty charges and fines, confiscation and auction of gold deposited.

    Reminder: You should always pay back your loan on time; in case you can pay the amount because of some reason, then you should inform your banks or any lender and ask for relief.

    How can I calculate Gold Loan interest in excel?

    You can calculate your gold loan interest in excel by using the following formula; =PMT(RATE, NPER, PV), where RATE is the rate of interest applicable to the loan amount, NPET is the total number of monthly instalments you will pay or your loan tenure period. PV stands for your principal loan amount.