Gold Loan Vuyyuru

Gold Rate: ₹ 5,121 Per Gram

⍟ Interest Rate 7.0% p.a. ⍟

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Loan Amount Up to 1 Crore
Loan Tenure Up to 48 Months
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Best Banks for Gold Loan in Vuyyuru

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 Vuyyuru Features

In this modern world, with increasing expenses and a new lifestyle, it is essential to cope up with the trend.

Lack of money and killing our dreams is like darkness and this darkness can be removed by the light of Gold Loan.

So Gold Loan Vuyyuru is a feature provided by Banks & NBFCs to get the best loan option to manage all expenses easily, especially for the people in metro cities.

It is like a magic wand which can solve a lot of your problems in a short time, and it is very easy to get a Gold Loan Vuyyuru and you can repay it in flexible instalments.

Gold Loan is safe, and the interest rates are nominal with minimum documentation.

Why should one apply for Gold Loan Vuyyuru?

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 gold loan 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 gold loan 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.

Gold Loan Rate Per Gram Today in Vuyyuru

Updated - Gold Loan Per Gram Rate w.e.f 1 Oct 2020

Gold Weight Gold Purity
24 Carat
Gold Purity
22 Carat
Gold Purity
20 Carat
Gold Purity
18 Carat
1 gram 4680 4290 3900 3510
10 gram 46800 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 in Vuyyuru Interest Rates and Charges

Feature
Gold Loan
Interest Rate
Processing Fee
Tenure
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 in Vuyyuru Documents Required

  • Address proof (Sales Tax certificate/Telephone or Electricity Bill/ Ration card/ Rental bill/ Passport copy/Shop & Est LicenseTrade license: any-one).
  • Signature proof (Banker’s verification/Passport Copy/Driving License/cheque: any-one).
  • Proof of identity (Passport Copy/ Voter’s ID card/Driving License/Aadhaar card: any-one).
  • Two Passport-sized photographs.

Additional Documents Required for Gold Loan in Vuyyuru

  • A Demand Promissory Note
  • Proof of land required (For Agriculture Loan more than Rs. 1 lac and not required for allied agriculture purposes)
  • Certificate from any Jewel Appraiser arranged by the bank.
  • Income Proof in form of a Salary Certificate and Form No.16.

Gold Loan in Vuyyuru Eligibility Criteria

Applicant’s age should be 21-60 years and Nationality to be Indian.

Gold Loan Vuyyuru Agents and Contact Number

Dialabank is a trustworthy Gold Loan Agent all across Vuyyuru. Apply online on the site of Dialabank or contact 9878981166.

Representatives of Dialabank are there to guide you at every step. Our institution show details between bank and NBFCs so that you get the best and you need not worry even a bit about any complex procedures.

Contact 9878981166 for help and get quick approval of your Gold Loan in Vuyyuru.

Gold Loan in Vuyyuru Documents Required 

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

Additional Documents Required for Gold Loan Vuyyuru

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

Eligibility Criteria for Gold Loan Vuyyuru

  1. The applicant should be (minimum) 21 to 60 (maximum).
  2. Applicant’s nationality must be Indian.

How to Apply for Gold Loan in Vuyyuru

Online Process to Apply for Gold Loan in Vuyyuru

We recommend ICICI, Axis, HDFC and others to apply for a loan or reach Dialabank online by filling up simple user-friendly form details.

In a short time, you will receive a call from our highly trained representatives. Also, Dialabank provides you with pick-up facility of your documents from your door.

Further information can be obtained at +919878981166.

Dialabank is well-rated among its customer base as:

  • Dialabank is the first financial helpline in India providing the best known financial services to its customers in the country.
  • Dialabank charges no additional cost of applying for a gold loan online on the website given below.
  • You can get a high Loan-to-Value (LTV) of your gold with us.
  • Dialabank is connected to HDFC, ICICI, Axis, Muthoot, Yes bank and a lot more of them.
  • Applying for a gold loan on Dialabank will get low Gold Loan Interest Rates.
  • Besides that, the bank has a high reputation among its customers because of its best and fast procedures.
  • Dialabank provides a facility of document pickup from the applicant’s doorstep to ease everything for you.
  • Processing your gold loan through Dialabank requires minimum paperwork/documents.
  • Finally, Relationship managers are highly trained to guide and serve you in the entire process of Gold Loan approval.
Offline Process to Apply for Gold Loan Vuyyuru

Alternately, the applicant can refer to the offline method of application by searching ‘Gold Loan near me’ on google. The closest bank branches and finance companies providing loans near your location, then select them according to your preference and knowledge. However, Dialabank can do that for you easily.

But if you choose to go with a physical branch which is near you, you might have to visit the responsible departments to apply for the loan, again and again, before than loan gets finally approved as it is a complex process. However, some banks and finance companies can approve the loan process faster. Our recommendations are HDFC Gold Loan branches and Muthoot Gold Loan branches. Dialabank can do this even faster by handling all complex processes.

Processing Fees / Prepayment Charges on Gold Loan Vuyyuru

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 Vuyyuru

No CIBIL score is required for Gold Loan, it is just the gold article you need.

A good CIBIL score is a must before applying for a loan other than a gold loan, which a foundation for your loan. Every second lending institution has its own guided criteria for the minimum required CIBIL score for processing a Loan application in Vuyyuru. Generally, most of the institutions require a minimum CIBIL score of 750 to process your loan application without any failure.

It is not just your CIBIL score, many institutions also look at the detailed behaviour on the previous loans taken by you, including details on the type of loan and the loan amount, payment schedules and if all deadlines are met while repayment. Making sure your CIBIL score is good before applying for a loan is always a good practice.

Pre Calculated EMI Table for Gold Loan Vuyyuru

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 Vuyyuru

Vuyyuru is a town in Krishna district of Andhra Pradesh, which is a Nagar panchayat and headquarters of Vuyyuru Mandal.

 

 

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