Gold Loan Sivakasi

GET GOLD LOAN
AT LOWEST INTEREST RATE

⍟  Highest Rate Per Gram
⍟  Lowest Interest Rate of 0.79% p.m.

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    Gold Loan Sivakasi

    Major Gold Loan Providers in Sivakasi

    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 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 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%

    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

    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 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 a low Gold loan Interest Rate.
    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 per gram. 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