Gold Loan Sivakasi

Gold Rate: ₹ 5,121 Per Gram

⍟ Interest Rate 7.0% p.a. ⍟

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Unlock the Real Value of your Gold
Lowest Rate of Interest
Get Money in 30 Mins
Loan Amount Up to 1 Crore
Loan Tenure Up to 48 Months
Unbiased Experts Advice

Major Gold Loan Providers in Sivakasi

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 Sivakasi Features

gold loan sivakasi gold loan sivakasiA gold loan provides a customer with an amount of loan from the bank at some rate of interest and for a given period of time. Furthermore, the Gold Loan comes in the category of secured loans, therefore the rate of interest is quite low as compared to other loans. Planning for something like a wedding or purchasing an expensive birthday gift, when-ever you are running out of funds, Gold loan comes to your rescue. In such a need of emergency, it would be the best option to use your gold rather than keeping them in the locker. You can further contact 9878981166 in case of any queries.

Also, there is no end-use restriction on the use of the gold loan amount. You can use this loan amount anywhere you want to.

Gold Loan Sivakasi Interest Rates

Bank
Interest Rate
HDFC Bank Gold Loan
10.25% 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%

Documents for Gold Loan Sivakasi

  1. Proof of Identity: Passport Copy/ Voters ID card/ Driving License/Aadhaar card.
  2. Address Proof: Ration card/ Tel, Electricity Bill/ Rental bill/ Passport copy/Trade license /Shop & Est. License/Sales Tax certificate.
  3. Signature Proof: Passport Copy/Driving License/Banker’s verification/cheque.
  4. 2 passport size photographs.

Additional Documents Required for Gold Loan Sivakasi

  1. Land Proof: In case of Agriculture Loan of more than Rs. 1 lac. The proof is not required for allied agriculture purposes.
  2. A Demand Promissory Note.
  3. Certificate by the Jewel Appraiser (Bank will arrange).
  4. Income Proof: Salary Certificate and Form No.16

Eligibility Criteria for Gold Loan Sivakasi

  1. The age of the applicant should not exceed 60 years.
  2. The applicant should be at least 21 years of age.
  3. The applicant should be an Indian citizen.

gold loan at 7%

How to Apply for Gold Loan Sivakasi

Offline Process to Apply for Gold Loan Sivakasi

The applicant also has an option to avail of Gold Loan from the institutions nearby. To do so, search Gold Loan near me on google. It will enlist all the neighboring institutions from where you can avail of the loan. Then, you will have to visit again and again until the loan approval.

Thus, it can be a very tiring and time-consuming process. Therefore, apply online now with DialaBank.

Online Process to Apply for Gold Loan Sivakasi

Dialabank is considered as 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. Besides that, the bank has a good reputation among the customers because of its best services.
  3. Also, if you apply for a gold loan on Dialabank, then you will get low-Interest Rates.
  4. Dialabank provides a document pickup facility from the doorstep of the customer.
  5. Finally, the Relationship managers are trained enough to guide you in the entire process of Gold Loan.

The steps to be followed are:

  1. Just click on dialabank.com.
  2. Fill in the required details.
  3. Click on request a quote.
  4. You will be reverted by a relationship manager from DialaBank who will guide you further.
  5. Or simply contact 9878981166.

Why Should One Apply for a Gold Loan?

  • Great Availability: First and foremost, Loan against gold is a secured service, therefore the processing of this loan is quick as the bank is mostly concerned with the quality and weight of the gold.
  • Low Rate of Interest: In contrast to services like personal loans, the Loan Against Gold has the least interest rate as banks keep security against the loan.
  • Negligible foreclosure charges: Generally, banks do not have any prepayment charges but some banks can charge a penalty of just 1%.
  • Safety of Ornaments: The ornaments are more secure with the banks due to the strict security In the banking institutions which is quite less at homes.
  • No qualification of Credit Score: As this is a secured loan, therefore, the applicant does not have to worry about bad loan repayment history.
  • Income-proof not required: The salary of an applicant is not an issue for availing a Loan Against Gold as it depends majorly on the weight and quality of gold available with the applicant.
  • No loan processing charges: Another advantage is that the applicant does not have to pay extra for this service as the approval solely depends upon the asset kept as security.
  • Flexible tenure: In addition to other advantages,  the applicant can choose the tenure of the loan according to their requirements and needs.
  • Only payment of interest: Lastly, the applicant has the option to pay the principal amount at the end of the tenure and only the interest every month.

Read More: Gold Loan Features and Benefits

Processing Fees / Prepayment Charges on Gold Loan Sivakasi

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 Sivakasi

No, the banks do not check the CIBIL Score of a person to approve a gold loan. Loan Against Gold is a secured service, hence, the bank is not concerned about the repayment history of a person. Because, even if the applicant fails to repay the loan, the banks can cover the loan amount through the gold ornaments that they have in their possession.

Read More: What is CIBIL Score?

Gold Loan Sivakasi Agents

Dialabank is the leading agent available for availing Gold Loan in Sivakasi. Apply online at dialabank.com or give a call at 9878981166 to take the loan process further.

Our customer relationship managers will immediately get in touch with you to assist you further.

Gold Loan Sivakasi Contact Number

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

Pre Calculated EMI Table for Gold Loan Sivakasi

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 Sivakasi

Sivakasi is a town in Virudhunagar District in the Indian state of Tamil Nadu. This town is known for its firecracker, matchbox, and printing industries. The industries in Sivakasi employ over 2,50,000 people with an estimated turn over of ₹20 billion

गोल्ड लोन जयपुर के बारे में हिंदी में जानिए गोल्ड लोन जयपुर


 

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