Gold Loan Vijayawada

AT 0.75%* INTEREST RATE
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Gold Loan Vijayawada

Major Gold Loan Providers in Vijayawada

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 Vijayawada Features

Are you running short of money and looking for a loan which is easy to get with lesser documentation and paperwork? Gold Loan is the best option you can choose for. This loanGold Loan Vijayawada Features needs less paperwork, as it is secured in nature and you can get your loan approved within 2-3 hours after all the verification process.

Gold Loan agencies in Vijayawada give easy gold loans to the consumers at the Best Interest Rate On Gold loans. To receive a Gold loan, the candidate needs to have a good source of income, which will make the verification and loan approval process faster.

Furthermore, you can get a loan up to 75% of the market value of gold, this is due to fluctuation in the market price of the gold.

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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 Vijayawada Relationship Manager on 9878981144

Gold Loan Vijayawada Interest Rates Jul 20 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 Vijayawada Jul 20 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 Vijayawada

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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Gold Loan Vijayawada Eligibility & EMI Calculator

Documents for Gold Loan Vijayawada

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

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Eligibility Criteria for Gold Loan Vijayawada

  1. The minimum age of the individual should be 21 years and maximum up to 60 years.
  2. Must be having Indian Nationality.

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How to Apply for Gold Loan Vijayawada

Online Process to Apply for Gold Loan Vijayawada
  • You can apply for the Gold Loan at Dialabank.
  • You just have to fill a simple form online.
  • After that, you will get a call back from our representative.
  • You can call on 9878981144 anytime.

Dialabank is considered as the best platform to apply for a gold loan online. There are so many reasons behind this, some of them are:

  1. Dialabank is India’s leading business helpline; it gives the best business assistance to clients all over the nation.
  2. Dialabank guides the customers free of cost.
  3. You will receive a large LTV of your gold.
  4. The bank has a great fame among the clients because of its best and fast services.
  5. If you apply for a gold loan on Dialabank, then you will get a low Gold loan Interest Rate.
  6. Moreover, very little paperwork is required.
  7. Eventually, the Relationship managers are trained thoroughly to guide you in the complete process of Gold Loan.
Offline Process to Apply for Gold Loan Vijayawada

The candidate also has a choice to avail of a Gold Loan per gram from the nearby subdivisions. To do so, seek Gold Loan near me on google. It will list all the branches of banks and finance companies providing loans near you. You require choosing them according to your choice and knowledge, but Dialabank can do that for you in a more expeditious and more reliable manner.

Then you have to visit those departments and apply for a loan and have to visit many times before than loan gets finally approved.

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Processing Fees / Prepayment Charges on Gold Loan Vijayawada

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
Private 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

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

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CIBIL Score Required for Gold Loan Vijayawada

Having a good CIBIL score is a must before applying for a gold loan, that is why every lending institution has its own criteria for the minimum CIBIL score required for processing a Gold Loan application in Vijayawada. Most companies require a least score of 750 to prepare your loan request.

Not merely your CIBIL score, the organizations also view the individual behaviour on the prior loans taken. This covers details on the type of loan taken and the amount borrowed. Any dallied instalments for early loans can act as a block to your availing a fresh loan. So make inevitable your CIBIL score is valid before applying for a loan.

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

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
Private 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

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Gold Loan Vijayawada Agents

One of the chiefs and most advanced gold loan agents in Vijayawada is Dialabank. Apply online at Dialabank or call at 9878981144

Gold Loan Vijayawada Contact Number

Call 9878981144 and get instant help and approval for Gold Loan in Vijayawada right now.

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Pre Calculated EMI Table for Gold Loan Vijayawada

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 Vijayawada

Vijayawada is a town in the southeastern Indian state of Andhra Pradesh. It’s identified for the brilliant Kanaka Durga Temple, which lies atop a hill facing the city.

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Gold Loan Vijayawada 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, we can use a gold loan for any purpose.
 

To get a gold loan in Vijayawada 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 gold loan interest rate in Vijayawada?

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 lowest interest rate for gold loan in Vijayawada?

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 loan in Vijayawada?

HDFC Bank currently offers the best gold loan services in Vijayawada. 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.