Gold Loan Wayanad

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    Gold Loan Wayanad

    About Gold Loan Wayanad

    Major Gold Loan Providers in Wayanad

    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 Wayanad Features

    Gold loan wayanad

    Gold comes as your saviour as it is quick and convenient. The loan is secured against gold so you do not have to worry about the complex paperwork. It is quick so you can avail of your loan within 48 hours after all the verification process.

    Gold Loan Wayanad promises the best possible interest rate for financial aid to its clients. A rigid source of income, as well as a good credit history, stands as very necessary if the applicant wishes to get the loan. Not only this, but a good income source also makes the process of verification and loan approval quicker.

    As a fluctuation in gold market value can occur, you can enjoy a loan amount of up to 75 per cent of the market value of gold.

    Gold Loan Wayanad 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 Wayanad

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

    Additional Documents Required for Gold Loan Wayanad

    1. The Jewel Appraiser Certification which Bank will arrange.
    2. Proof of Land: In the case of Agriculture Loan of over Rs. 1 lac. For allied agriculture purposes, the proof is not needed.
    3. Proof of Income: Salary Certificate and Form No.16
    4. A Demand Promissory Note.

    Eligibility Criteria for Gold Loan Wayanad

    1. The minimum age of the candidate needs to be 21 years and a maximum of up to 60 years.
    2. Indian Nationality is a must.

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    How to Apply for Gold Loan Wayanad

    Online Process to Apply for Gold Loan Wayanad

    For the online process, you can apply at Dialabank for the HDFC Bank Gold Loan. Only a simple online form is needed to be filled.

    For further assistance and guidance, our representative will get in touch with you. You will also be offered a doorstep document pick up facility for a better experience.

    For details, you can call us on 9878981144 anytime.

    Dialabank is regarded as the most reliable online platform to apply for a gold loan and there stand many reasons behind this:

    1. Dialabank is India’s first financial helpline; the finest financial services are offered to clients all over the country.
    2. A high LTV of your gold is promised.
    3. Dialabank has a free of cost of guidance policy for its customers. So, there will be no additional charges if you apply for a gold loan online on the Dialabank website.
    4. With its quick and quality service, the bank holds a respectable reputation amongst the customers.
    5. A very low-interest rate HDFC Gold Loan is offered if you apply for a gold loan on the Dialabank website.
    6. Dialabank also offers the customer a doorstep document pickup facility for a better experience.
    7. Moreover, very little paperwork is required when you are applying for a gold loan through Dialabank.
    8. Most importantly, our Relationship Managers are properly trained so that they can assist you in the whole process of Gold Loan.

    Offline Process to Apply for Gold Loan Wayanad

    An offline process is also an option, for that the applicant needs to look for the nearby branches. You can simply google about the nearby branches and Google will present you with all the bank branches as well as finance companies near you that suits your need. You will then have to choose amongst the available option according to your knowledge or Dialabank can make your work easier and faster by doing it for you.

    Many visits will be required to several departments in order to apply for the loan, and then again many more visits will be needed before the loan gets approved.

    HDFC Gold Loan branches and Muthoot Gold Loan branches are some banks and finance companies with a much faster process and a better experience.

    You can obtain gold loans from HDFC Gold Loan Branches. To locate a branch that is nearby, search for Muthoot Gold Loan nearby. Google will present you with a list of all the Muthoot Gold Loan Branches that are nearby.

    Processing Fees / Prepayment Charges on Gold Loan Wayanad

    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 Wayanad

    Here comes one of the most important aspects, the CIBIL Score. Every lending institution in Wayanad has made a criterion for the minimum score that is necessary to process a Gold Loan application so good CIBIL score is a must. A minimum CIBIL score of 750 is required by the institutions in order to process your gold loan application.

    Your detailed behaviour on previous loans is also considered so a good CIBIL score is not sufficient. The institutions also look at the details on the borrowed amount and the type of loan taken. If there are any late payments in the previous loans taken, you might face difficulties in your fresh loan approval. To avoid such situations make sure that you maintain a good CIBIL score before you choose to apply for a gold loan.

    Gold Loan Wayanad Agents

    Dialabank is counted amongst the most trusted gold loan agents in Wayanad. You can at www.dialabank.com or call at 9878981144

    Dialabank comes to assist and guide you in choosing the most suitable option amongst various Banks and NBFCs by providing a comprehensive and structured market comparison for different banks and NBFC’s. This way, you will not have to worry about the complex data procedure and you focus on making the right decision. Visit our website www.dialabank.com and fill a online simple form with a few details and then our customer relationship managers will contact you.

    Gold Loan Wayanad Contact Number

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

    Pre Calculated EMI Table for Gold Loan Wayanad

    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 Wayanad

    Wayanad lies high on the Western Ghats in the State of Kerala. With many indigenous tribals, the place is diverse and rich in culture. There is a long list of tourist spots including trekking points and water streams.

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    Special Note: Always check Gold Loan Rate Per Gram before applying for loan against gold.