Himachal Pradesh Gramin Bank Gold Loan

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Unlock the Real Value of your Gold

Rates as low as 1% p.m.
Get Money in 30 Mins
Loan Amount Up to 1 Crore
Loan Tenure Up to 48 Months
Unbiased Experts Advice

About Himachal Pradesh Gramin Bank Gold Loan

The Himachal Pradesh Gramin Bank (HPGB) was set up in the year 1976. The bank was only in three districts of Himachal Pradesh, i.e., in Kullu, Mandi, and Kangra. HPGB become very popular within a short period. The service provided here was terrific. Later on, the number of branches increased. Besides that now there are eleven Himachal Pradesh Gramin bank branches in H.P. The bank provides a lot of financial services like Personal Loan, Gold Loan, Home Loan and many more. To easily avail a Gold Loan Click Here.

Himachal Pradesh Gramin Bank Gold Loan Features
  • Lower interest rate on Himachal Pradesh Gramin Bank Gold Loan.
  • Himachal Pradesh Gramin Bank Gold Loan has Faster processing.
  • Your Gold is safe and secured in a bank locker.
  • You can use the gold loan money for any personal purpose.
  • Basic documentation only, No CIBIL score.
  • Flexible repayment options as well as lower monthly outflow.
  • No processing fees.
  • Low or no foreclosure charges.
  • Instant Processing and Disbursal.
  • You can borrow in thousands to a crore.

Himachal Pradesh Gramin Bank Gold Loan Interest Rate

In general loan on gold, the credit is available at a low interest rate. Moreover, the reason behind that the Gold Loan comes in the category of secured loans. So the Gold interest rates are less than that of personal loan or any other kind of loans. Though the gold loan rate keeps on changing time to time as well as person to person.
  • The gold loan is available at 1% PM interest rate.
  • Gold Loan Interest rate – 10.70 %.
  • Offer low processing fee that is  0.85%.
  • Pre-closer charges range from  0 – 2 %.

Himachal Pradesh Gramin Bank Gold Loan Eligibility

  • The applicant should be an Indian citizen.
  • Age limit minimum – 18 year and maximum – 70 years.
  • The applicant should own his/her gold
  • The purity of the gold ornament should lie in between 18 Karats to 22 Karats.
  • The applicant should have gold weigh more than 10 Grams at least.

Documentation Process for Himachal Pradesh Gramin Bank Gold Loan

However, the process of documentation in a loan on gold is very easy and simple but, still, there are certain documents that a bank asks for a loan on gold:
  • Identity Proof – Firstly one proof of identity is required. Anyone of the given proofs is valid (Aadhar Card/Voters Card/Driving License/ Passport)
  • Residence Proof – After that, one proof of residence is also required to get a loan on gold. It can be like (Aadhar Card/PAN Card/Ration Card/ Electricity Bill of last three months with the name of the applicant/ Telephone Bill of previous three months with the name of applicant / Passport Copy)
  • Besides, the applicant should have two passports sized colored photographs.

Himachal Pradesh Gramin Bank Gold Loan Benefits

  • You can get a gold loan online, no need to go anywhere.
  • High Funding is avail to the customers
  • It also provides Gold Loan with the flexible repayment scheme with multiple options.
  • There are no prepayment charges in Bank
  • Bank also provides instant approval and sanctioning of the Loan
  • Himachal Pradesh Gramin Bank Gold Loan also offers quick disbursals
  • Bank also requires minimum documentation for the loan approval
  • It also provides safe and secure custody of the Gold
  • It also provides a low rate of interest
  • It also provides a maximum of Rs 10 lakh loan
  • You can easily apply for the Gold Loan in Bank.

How to apply for Himachal Pradesh Gramin Bank Gold Loan?Himachal Pradesh Gramin Bank Gold Loan

To start, the best option to apply for a gold loan is through Dialabank. When you apply through dialabank, you will not have to worry about finding the best choice near you. Also, We provide all our services free of cost. Follow the steps to get a loan very easily:
  • You can easily Apply Online through our website. To do so, Click Here.
  • The loan seeker has to fill a form Online with current information.
  • You get a call from our Relationship Manager to clear all doubts and to assist you in the entire process of the loan.
  • The best Gold Loan Interest Rate is suggested to you by our managers.
  • You can check your eligibility for further clarification of the approval of a loan.
  • Deposit all the documents required as proofs in the banks.
  • The loan is approved in few minutes as well as disbursed within a day.
  • If you want to talk to us directly, call us at 9592046860.

Why Dialabank for online Gold Loan?

  • www.dialabank.com offers a very easy process of application of the Himachal Pradesh Gramin Bank Gold Loan.
  • The customer gets a good comparison of the interest rates of other banks as well.
  • The company provides the document pickup facility from your doorstep.
  • You will get the best as well as the lowest interest rate.

FAQs About Himachal Pradesh Gramin Bank Gold Loan

Q. How much Gold Loan can I get per gram in Himachal Pradesh Gramin Bank?

The per gram Gold Loan rates in Himachal Pradesh Gramin Bank varies depending on the purity of your Gold. Maximum funding of 70% of your Gold’s market price can be availed.

Q. What is Himachal Pradesh Gramin Bank Gold Loan?

Gold Loan is a financial service provided by the bank where loans are provided against gold as security which can be used to fulfil the monetary requirements of a person. You get Gold Loan from Himachal Pradesh Gramin Bank at low rates of interest with a tenure of your choosing. You get easy repayment options and a renewal facility on the loan as well.

Q. What is the Gold Loan interest rate in Himachal Pradesh Gramin Bank?

The rate of interest charged by the Himachal Pradesh Gramin Bank on Gold Loan starts from 10.70% per annum depending on the amount that is to be borrowed.

Q. How to pay Himachal Pradesh Gramin Bank Gold Loan online?

The Himachal Pradesh Gramin Bank provides you with various convenient methods to pay the amount for your gold loan. You can contact the loan officer in the branch for detailed information.

Q. How to apply Gold Loan in Himachal Pradesh Gramin Bank?

Applying for Gold Loan is a simple and hassle-free process which requires minimal documentation. You can apply by visiting the local branch of the Himachal Pradesh Gramin Bank or apply online from the comfort of your room through Dialabank’s digital platform.

Q. How to renew Himachal Pradesh Gramin Bank Gold Loan online?

For the renewal of your Gold Loan visit the nearest Bank branch where your previously pledged gold will be released and revalued according to the current market rates and renewal fee might be charged as applicable.

Q. How to take Gold Loan from Himachal Pradesh Gramin Bank?

Taking Gold Loan from Himachal Pradesh Gramin Bank is a simple and hassle-free process. You can apply by visiting the nearest branch or through Dialabank. The bank gives good funding at low-interest rates.

Q. What is Gold Loan in Himachal Pradesh Gramin Bank?

Gold Loan is a loan in which gold is kept as security with the bank. These loans are provided at competitive rates for any emergency financial requirements to fulfil the monetary needs of the borrower.

Q. How to get Himachal Pradesh Gramin Bank Gold Loan?

Getting a loan from Himachal Pradesh Gramin Bank is an easy process. You can apply by visiting the branch or filling a form on Dialabank.com. The bank provides quick disbursal and convenient repayment options.

Q. How to check Himachal Pradesh Gramin Bank Gold Loan status?

In most cases, The bank gives you easy and quick disbursal after the approval of your application. You can check your loan status by contacting your loan officer.

Q. How to close Himachal Pradesh Gramin Bank Gold Loan?

Once you have paid all the pending dues you can close your Gold Loan by visiting the loan branch. The bank after verification will give your pledged gold to you and close your loan account.

Q. How to renew Himachal Pradesh Gramin Bank Gold Loan?

If you desire to renew your Gold Loan with Himachal Pradesh Gramin Bank all you need to do is visit the branch with your documents and apply for a renewal.

Q. What happens if someone defaults Himachal Pradesh Gramin Bank Gold Loan?

If you cannot pay for your Gold Loan from Himachal Pradesh Gramin Bank the bank charges a penalty fee and this also reflects in your credit score which affects your future loan taking capacity.

Q. How many branches of Himachal Pradesh Gramin Bank Gold Loan?

Himachal Pradesh Gramin Bank has more than 250 branches across the state for all your financial needs.

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