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

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    Gold Loan Tiruvottiyur

    Best Banks for Gold Loans in Tiruvottiyur

    HDFC Bank
    ICICI Bank
    Muthoot Finance
    Interest Rate
    Min Loan Amt
    Metro : 25000, Non : 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%
    Preclosure Chgs
    2%, Nil foreclosure charges after 3 months
    2%, Nil foreclosure charges after 9 months
    Overdraft Facility
    Pay Only Interest Facility
    Gold Rate Per Gram

    Gold Loan Tiruvottiyur Features

    Gold Loan Tiruvottiyur Features

    Afraid of your financial prospects?

    Need money for your priority tasks?

    As the gold loan is available, you don’t have to worry a bit. With minimum paperwork or documentation, you can get your loan verified and approved with minimum struggle.

    What are some of Gold Loan Tiruvottiyur’s features?

    Gold Loan Tiruvottiyur loan provides financial aid to the customers at the best feasible interest rates. To get a Gold loan, the candidate needs to have a firm and good source of income and has a reliable credit history, which will make the verification and loan approval process faster.

    Besides, you can get a loan up to 75 percent of the market value of gold, this is expected to vary in the market price of the gold.

    gold loan

    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 Tiruvottiyur – Jul 28 2021

    The below table shows the rates for a Gold loan per gram for different purity of gold:

    Updated - Gold Loan Per Gram Rate w.e.f Jul 28 2021

    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

    gold loan

    Gold Loan in Tiruvottiyur Interest Rates and Charges – Jul 28 2021

    The below table shows the Gold loan interest rates provided by various banks

    Gold Loan
    Interest Rate
    Processing Fee
    HDFC Gold Loan 9.90% 0.25 % - 1.50% 3 - 24 Month
    ICICI 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

    Gold Loan Eligibility Criteria in Tiruvottiyur

    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

    Gold Loan in Tiruvottiyur 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 Tiruvottiyur Eligibility Criteria

    1. The required minimum age is 21 years
    2. The required maximum age is 60 years.
    3. The required nationality is Indian.

    gold loan

    How to Apply for Gold Loan Tiruvottiyur

    Online Process to Apply for Gold Loan Tiruvottiyur

    You can apply online on the website of Dialabank for Gold Loan Tiruvottiyur.

    By presenting an online form, you will be reverted by our delegate who will assist you in the whole gold loan approval process.

    Dialabank is supposed to be people’s first choice because:

    1. Dialabank is India’s first financial helpline; it offers the best financial services to customers all over the country.
    2. The bank has a good reputation amongst users because of its most solid services.
    3. There is no processing fee or supplementary fees for availing the service by Dialabank
    4. The Relationship managers of Dialabank are adequate to serve throughout the process.
    5. Gold Loans can be granted at a low rate of interest with minimum documentation or paperwork claimed.
    6. To save you from struggle, Dialabank also provides a document pickup facility from the doorstep of the client.
    Offline Process to Apply for Gold Loan Tiruvottiyur

    The offline process of Gold Loan requires more time. You need to explore Gold Loans near you on Google, once you see the record of nearby banks or NBFCs, you can select the best out of them for you.

    You need to visit banks again and again until the loan gets sanctioned. Dialabank does that easily by sharing sufficient information with the clients.

    Processing Fees / Prepayment Charges on Gold Loan Tiruvottiyur

    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%
    ICICI Bank Gold Loan
    0.25% to 1.50%
    2%, Nil foreclosure charges after 9 months
    SBI Gold Loan
    500/- to 0.50%
    Kotak Gold Loan
    1% to 2%
    2.25% of fore closure amount if closed 1 month ahead of the tenure.
    IIFL Gold Loan
    Muthoot Gold Loan
    Manappauram Gold Loan
    PNB Gold Loan
    0.70% to 1%
    Canara Bank Gold Loan
    Andhra Bank Gold Loan

    gold loan

    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 Tiruvottiyur

    No CIBIL is needed for Gold Loan Tiruvottiyur.

    gold loan

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

    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 Tiruvottiyur Agents

    As the leading gold loan agent in Tiruvottiyur, Dialabank provides the most active and quickest services. You can visit us at Dialabank or contact 9878981166.

    Dialabank presents a structured market comparison of different banks and finance organizations. This comparison helps borrowers make the true choice for themselves. You can hit on the Dialabank website, fill and submit a form with your specifications. Then, our agents will get in touch with you for full assistance.

    gold loan

    Pre Calculated EMI Table for Gold Loan Tiruvottiyur

    5 Yrs
    4 Yrs
    3 Yrs

    About Tiruvottiyur

    Tiruvottiyur is a neighborhood in North Chennai, administered by the Greater Chennai Corporation. It is part of the Tondiarpet division, located to the north of Chennai city. It is one of the 15 administrative zones in Greater Chennai Corporation. The zone is named to be Zone 1.

    gold loan

    Gold Loan Tiruvottiyur FAQs

    ✅ What is a Gold Loan, exactly?

    It’s a loan secured by gold ornaments or bank coins that meet RBI requirements and that a customer commits to the bank. The money borrowed can be used for personal, business, or other non-speculative objectives. It’s a loan that can be obtained fast and conveniently rather than going to a Pawn Broker and paying a higher interest rate.

    ✅ Do I have to present any proof of income to get a gold loan?

    If you’re taking out a gold loan for more than Rs.25 lakhs, you’ll need to submit an ITR. If the annual income reaches Rs.5 lakhs, a PAN is required by regulatory standards.

    ✅ Is there a way to see if you have a gold loan in Cibil?

    When you take out a gold loan, all of your EMI repayment information is sent to CIBIL at regular intervals so that your credit score can be updated in your credit report. Pay the EMIs on time to return the Gold Loan: The gold loan, like any other type of loan, has a defined interest rate and term.