Major Gold Loan Providers in Surat
Feature
HDFC Bank
SBI
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
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 Surat Features
A gold loan is a form of secured loan wherein you can avail the best value of your gold by keeping it as collateral security. Gold loan’s rate of interest is comparatively lower than other loans due to its secure nature. The features of the Gold loan are as follows:
- You can avail Loan of up to 75% value of your gold asset.
- It is a safe process as your gold is kept safe in the bank lockers.
- The loan is processed in less than 30 minutes.
- Enjoy Anytime Liquidity.
- No EMI payment.
- Lower Gold loan Interest Rate
- Simple documentation and fast processing.
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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 Surat Interest Rates- Apr 24 2024
Bank
Interest Rate
HDFC Bank Gold Loan
9.9% to 14%
Axis Bank Gold Loan
10.50% to 16%
Private 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 Surat –Apr 24 2024
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
Private Gold Loan
₹ 3,506 to ₹ 4,821
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 Surat
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 Surat Eligibility & EMI Calculator
Documents for Gold Loan Surat
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 Surat
- The applicant should be at least 21 years of age.
- The applicant should be of Indian Nationality.
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How to Apply for Gold Loan Surat
Online Process to Apply for Gold Loan Surat
- 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.
Avail of your Gold Loan Surat with Dialabank and get personalized assistance.
Dialabank is your best option for a gold loan online because:
- Dialabank is India’s first financial helpline.
- It has accessibility all over India.
- The bank has a good reputation among the customers because of its best services.
- Dialabank provides a document pickup facility from the doorstep of the customer.
- Get gold loans at the lowest interest rates.
Offline Process to Apply for Gold Loan Surat
You can avail of a gold loan per gram offline as well. Just search on google for nearby financial lenders. A list of all the banks and NBFCs providing the gold loans will be provided. Visit the nearest branch and get your documents verified for further process.
But, if you apply with Dialabank immediately, you will save yourself the extra effort by getting quick service at your own place.
Processing Fees / Prepayment Charges on Gold Loan Surat
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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 Surat
Irrespective of the CIBIL score you can easily avail of gold loans across several lending institutions.
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Compare Gold Loan Rate Per Gram and Lowest EMI of All banks in Surat
Bank
Interest Rate
Lowest EMI Per Lakh
SBI Gold Loan
7.50%
Rs. 3,111
Muthoot Gold Loan
11.99%
Rs. 3,321
Manappuram Gold Loan
12.00%
Rs. 8,885
HDFC Bank Gold Loan
9.90%
Rs. 4,591
Yes Bank Gold Loan
9.99%
Rs. 3,226
Private Bank Gold Loan
10.00%
Rs. 8,792
Federal Bank Gold Loan
8.50%
Rs. 8,722
Canara Bank Gold Loan
7.65%
Rs. 8,683
Andhra Bank Gold Loan
10.70%
Rs. 8,824
Axis Bank Gold Loan
13.00%
Rs. 4,754
IndusInd Bank Gold Loan
10.00%
Rs. 8,792
PNB Gold Loan
8.75%
Rs. 8,734
Fincare Small Finance Bank Gold Loan
12.99%
Rs. 11,721
Gold Loan Surat Agents
Dialabank is the best agent at your service when you are thinking of availing of a gold loan. Its outreach throughout the country provides you with the best offers and deals at the lowest interest rates without lowering the value of your gold assets.
You can apply online by filling a simple form or can contact on 9878981166 for any assistance.
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Gold Loan Surat Contact Number
Call 9878981166 and get instant help and approval for Gold Loan in Surat.
Pre Calculated EMI Table for Gold Loan Surat
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About Surat
Surat is a large city situated in the Indian state of Gujarat. It is a famous hub spot for silk weaving, the commercial center for textiles, and a new textile market area. Surat is the biggest center of Man-made fiber in India. With a GDP growth of 11.5%, it is also regarded as one of the fastest-growing cities of India.
गोल्ड लोन सूरत के बारे में हिंदी में जानिए गोल्ड लोन सूरत
Other Places for Gold Loan
| Gold Loan Anjar | Gold Loan Bodeli |
| Gold Loan Vadodara | Gold Loan Botad |
| Gold Loan Bavla | Gold Loan Dahod |
| Gold Loan Bhachau | Gold Loan Dhanera |
Gold Loan Surat FAQs
✅ What is a gold loan?
The gold loan also referred to as ‘loan against gold’ is a type of secured loan that a person can avail by keeping their gold ornaments as collateral security with the lender. Unlike other secured loans like car loans or home loans, a gold loan can be used for any purpose.
✅ How to get a gold loan in Surat?
To get a gold loan in Surat a borrower can either visit the nearest gold loan offering bank branch with their gold and basic documents such as Aadhar Card and PAN Card or they can fill an inquiry form online at Dialabank’s digital platform.
✅ What is the gold loan interest rate in Surat?
Gold loan interest is the monthly amount a borrower pays in addition to the principal loan amount. Different banks and financial institutes offer different rates of interest. On average, this rate varies between 10.50% and 12% per annum.
✅ Which bank has the lowest interest rate for gold loans in Surat?
Currently, HDFC Bank is offering the lowest rate of interest for a gold loan starting at 10.50% per annum. HDFC Bank grants loans with an LTV ratio between 70% to 75%.
✅ Which bank is best for gold loans in Surat?
HDFC Bank currently offers the best gold loan services in Surat. 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.
