Himachal Pradesh Gramin Bank Gold Loan

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

Himachal Pradesh Gramin Bank Gold Loan Interest Rate

Himachal Pradesh Gramin Bank Gold Loan Eligibility

Himachal Pradesh Gramin Bank Gold Loan At Home

Gold Loan at House is a doorstep loan service that allows you to borrow money from the convenience of your own home. The service is rapid, flexible, and cost-effective because interest rates are low. You can use the gold loan calculator to assess the value of your gold or the loan amount before completing a loan request. Obtaining a Gold Loan at home is an easy and quick process that can be done in a matter of minutes.

Within 30 minutes, one of our employees will contact you and arrive at your home. When all e-documentation and gold identification are completed at your residence, the appropriate gold loan amount will be sent directly to your bank account.

Furthermore, there are many benefits of Himachal Pradesh Gramin Bank Gold Loan at Home:

• Fast loan approval
• Lower interest rates
• Maximum value of gold
• Flexible repay tenures
• Easy payment options
• No additional charges
• 24*7 customer support
• Full security of the gold
• No hidden fees
• Service at your doorstep within 30 minutes

Documentation Process for Himachal Pradesh Gramin Bank Gold Loan

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?

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

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

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.

Other Major Gold Loan Providers