Himachal Pradesh Gramin Bank Gold Loan

GET GOLD LOAN
AT LOWEST INTEREST RATE

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

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    Himachal Pradesh Gramin Bank Gold Loan

    Himachal Pradesh Gramin Bank Gold Loan Key Features – Apply Now

    Himachal Pradesh Gramin Bank Gold Loan Collateral Gold ornaments
    Himachal Pradesh Gramin Bank Gold Loan per gram
    variable depending on the purity of gold
    Himachal Pradesh Gramin Bank Gold Loan Age of Borrower 18 – 70 years
    Himachal Pradesh Gramin Bank Gold Loan Maximum Loan Amount Up to 10 lakhs
    Himachal Pradesh Gramin Bank Gold Loan Maximum Loan to Gold Value Ratio Up to 70%
    Himachal Pradesh Gramin Bank Gold Loan purity of Eligible gold 18 carat to 22-carat gold
    Himachal Pradesh Gramin Bank Gold Loan Loan Tenure up to 12 months

    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 LoanGold Loan, Home Loan and many more.

    Himachal Pradesh Gramin Bank Gold Loan Benefits

    • The 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.

    How much can I get Through Himachal Pradesh Gramin Bank Gold Loan?

    Himachal Pradesh Gramin Bank Gold Loan Rates/ Gram – Updated on January 2021
    Weight Loan on 18Cr Gold Loan on 20Cr Gold Loan on 22Cr Gold Loan on 24Cr Gold
    1 gm 2451 2733 3016 3298
    10 gms 24510 27330 30160 32980
    20 gms 49020 54660 60320 65960
    30 gms 73530 81990 90480 98940
    50 gms 122550 136650 150800 164900
    100 gms 245100 273300 301600 329800
    200 gms 490200 546600 603200 659600
    300 gms 735300 819900 904800 989400
    500 gms 1225500 1366500 1508000 1649000

    Himachal Pradesh Gramin Bank Gold Loan Interest Rate

    In general loan on gold, 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 Loan Interest Rate is less than that of a personal loan or any other kind of loan. Though the gold loan rate keeps on changing from time to time as well as person to person.
    Gold Loan Rate 10.70% p.a.
    Repayment Scheme
    Bullet Repayment Scheme, Overdraft Scheme
    Prepayment Charges 0 – 2 %.
    Service Charges variable
    Document Charges variable
    Gold Valuation Charges variable
    Processing Fee 0.85%.

    Himachal Pradesh Gramin Bank Gold Loan Eligibility

    Age 18-70 years of age
    Nationality Indian
    Employment Status
    Salaried, Self-Employed
    Gold Quality, Quantity
    Minimum 18 Carats, minimum 10 grams
    Requirements
    Gold ornaments (18-22 carats)
    CIBIL score Above 500

    Documentation Process for Himachal Pradesh Gramin Bank Gold Loan

    Photographs
    2 Passport-Sized latest coloured photos without spectacles
    Identity Proof
    Aadhar Card, Passport, PAN Card, etc. (Only 1 is required)
    Residence Proof
    Aadhar Card, Driving License, Ration Card, etc. In the case of Rented House then the rent agreement or water/electricity bills for the last three months can be considered. (Only 1 is required)
    Agricultural Land Proof
    Required only if the Loan is taken for Agricultural Purpose. In the case of Agriculture Loan on the gold of more than Rs. 1 lakh there is no requirement of proof for allied agriculture purposes.

    Himachal Pradesh Gramin Bank Gold Loan Benefits

    • You can get a gold loan online, no need to go anywhere.
    • High Funding is available to the customers
    • It also provides Gold Loan with a 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 a 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.
    • 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 a few minutes as well as disbursed within a day.
    • If you want to talk to us directly, call us at 9878981144

    Why Dialabank for an online Gold Loan?

    • Dialabank 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 pick-up facility from your doorstep.
    • You will get the best as well as the lowest interest rate.

    Himachal Pradesh Gramin Bank Gold Loan EMI Calculator

    Rate of Interest
    6 months 1 Yr 2 Yrs 3 Yrs
    7.00% 17008 8652 4477 3088
    8.00% 17058 8699 4523 3134
    8.50% 17082 8722 4546 3157
    9.00% 17107 8745 4568 3180
    9.50% 17131 8678 4591 3203
    10.00% 17156 8791 4614 3227
    10.50% 17181 8815 4637 3250
    11.00% 17205 8838 4661 3274
    11.50% 17230 8861 4684 3298
    12.00% 17254 8885 4707 3321
    12.50% 17279 8908 4731 3345
    13.00% 17304 8932 4754 3369
    13.50% 17329 8955 4778 3393
    14.00% 17354 8979 4801 3418
    14.50% 17378 9002 4825 3442
    15.00% 17403 9026 4845 3466

    Uses of the Himachal Pradesh Gramin Bank Gold Loan

    The funds acquired by availing the Axis Bank Gold Loan service can be used for several purposes such as:

    • To support any personal debts such as weddings, journeys, payment of more significant education fees, etc.
    • For all your industry needs, such as purchasing raw matter, expansion of industry, etc.
    • You can likewise avail of a Gold Loan for farming plans. The bank gives lower rates of interest for Gold Loans that are employed for agriculture or related activities.

    Himachal Pradesh Gramin Bank Agricultural Jewel Loan Scheme

    Scheme Himachal Pradesh Gramin Bank Agricultural Jewel Loan Scheme
    Interest Rate  Starting at 7%
    Least amount of Loan Depends on the value of the jewel
    Loan period Adjustment of advance sum inside 2 months from the date of reap of yields

    Benefits of Himachal Pradesh Gramin Bank Agricultural Jewel Loan Scheme

    • Himachal Pradesh Gramin Bank does not charge a huge processing fee
    • For 0.30% of the loan amount, a Minimum of ₹ 300 is charged ranging from more than ₹25,000 – less than ₹ 5 lakh
    • 0.28% of the credit sum, subject to at least Rs.1,500 applicable on more than Rs.5 lakh and less than Rs.1 crore

    Himachal Pradesh Gramin Bank Gold Loan Overdraft Scheme

    In the Himachal Pradesh Gramin Bank Gold loan, the loan amount is provided as an overdraft facility. It works as a Credit Card, where the Gold Loan Amount can be spent as per the choice of the borrower. The overall loan amount has a Credit/Loan Limit. In the Himachal Pradesh Gramin Bank Gold Loan Overdraft facility, the interest is charged only on the amount that is withdrawn/utilize.

    FAQs About Himachal Pradesh Gramin Bank Gold Loan

    What is Himachal Pradesh Gramin Bank Gold Loan?

    Himachal Pradesh Gramin Bank 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.

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

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

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

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

    How to pay Himachal Pradesh Gramin Bank Gold Loan online?

    The Himachal Pradesh Gramin Bank gold loan can be conveniently paid online. You can contact the loan officer in the branch for detailed information. You can even pay it through Paytm.

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

    Applying for a Himachal Pradesh Gramin Bank Gold Loan is a simple and hassle-free process that 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.

    ✅What is the maximum gold loan amount I can avail of on a gold loan from Himachal Pradesh Gramin Bank?

    The maximum gold loan amount that you can apply for in the Himachal Pradesh Gramin Bank is 10 lakhs. You can borrow in thousands too. This amount depends on the market price of your gold jewellery.

    ✅What is the loan tenure of the Himachal Pradesh Gramin Bank gold loan?

    The loan tenure for a Himachal Pradesh Gramin Bank is just 12 months as a gold loan is a quick loan. However, if you wish to extend this tenure, you can apply for renewal.

    How to renew Himachal Pradesh Gramin Bank Gold Loan online?

    For the renewal of your Himachal Pradesh Gramin Bank Gold Loan visit the bank branch where your collateral is kept. Your previously pledged gold will be released and revalued according to the current market rates and renewal fee might be charged as applicable.

    How to check Himachal Pradesh Gramin Bank Gold Loan status?

    You can check your Himachal Pradesh Gramin Bank gold loan status by contacting your loan officer. The number will be provided on the bank website. In most cases, The bank gives you easy and quick disbursal after the approval of your application.

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

    If you cannot pay for your Himachal Pradesh Gramin Bank gold loan the bank charges a penalty fee and this also reflects in your credit score which affects your future loan taking capacity. You may be listed in the list of CIBIL defaulters.

    What is the Overdraft Scheme for Himachal Pradesh Gramin Bank Gold Loan?

    Himachal Pradesh Gramin Bank’s Overdraft Scheme has a Credit/Loan Limit. Himachal Pradesh Gramin bank charges interest on the amount withdrawn/utilized.

    What is the Himachal Pradesh Gramin Bank Gold Loan closure procedure?

    The Gold loan will automatically close after the payment is done in full.

    What is the Himachal Pradesh Gramin Bank customer care number?

    The customer care number is 9878981144.

    ✅ What is Himachal Pradesh Gramin Bank Gold Loan Preclosure charges?

    The Bank preclosure charges are 2%+GST (Within 3 Months), 0 (After 3 months)

    What is the maximum gold loan tenure?

    The maximum gold loan tenure is 36 months

    ✅ What are Himachal Pradesh Gramin Bank Gold Loan Foreclosure charges?

    Himachal Pradesh Gramin Bank charges up to 0.50% of the principal amount as Foreclosure charges.

     What is the minimum gold loan tenure?

    The minimum gold loan tenure is 6 months.

     

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