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    ING Vysya Bank Gold Loan Per Gram

    ING Vysya Bank Gold Loan Per Gram Today is ₹ 3,506 to ₹ 4,621

    ING Vysya Bank Gold Loan Per Gram Today Gold Loan Rate Per Gram Today is ₹ 3,506 to ₹ 4,621
    Eligible Age 18 to 75 years
    Loan Amount Eligibility Rs. 1,000 to Rs. 2 Cr
    Documents Required Basic KYC documents for address and identity proof. No income documents and no CIBIL score documents are required.
    Purity of Gold 18 carat to 22 carat
    Type of Gold Gold jewelry and gold coins of 18-24 carats
    Loan to Value 75% of the gold ornament’s market value

    ING Vysya Bank Gold Loan Calculator

    Some of the providers with a significant online presence offer gold loan calculators. These calculators are simple tools that allow you to experiment with loan amounts, repayment terms, and interest rates. The calculator gives you a sense of the actual financials of your transactions.

    The following fields are present on a general gold loan calculator:

    • Loan amount – This is the total principal amount of the loan you are looking for or have already obtained.
    • Repayment tenure – The repayment tenure denotes the period over which you will repay the loan amount. You can choose the number of months you’d like to repay the loan.
    • Interest rate – The interest rate charged on your loan. This figure will differ from one provider to the next. All you have to do is enter the necessary information and press the submit button. You will be shown the monthly repayment amount as well as the breakdown of principal and interest amounts.

    Check the current gold rate with Dialabank.

     Gold Loan Rate Per Gram by Gold Purity

    The table below provides an estimate of gold loan per gram. ING Vysya Bank will make an offer against gold jewellery of various purity levels with a maximum LTV of 75% and a lower LTV of 65%.

    Gold Purity Gold Rate Per Gram- Average Of Past 30 Days ING Vysya Bank Best Gold Loan Per Gram ING Vysya Bank Lowest Gold Loan Per Gram
    22 carat ₹ 45,531 ₹ 3,073 ₹ 2,664
    20 carat ₹ 41,392 ₹ 3,073 ₹ 2,421
    18 carat ₹ 37,253 ₹ 2,515 ₹ 2,179


    gold loan at 7%

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    ING Vysya Bank Gold Loan Rates Per Gram

    ING Vysya Bank offers a loan of ₹ 3,506 to ₹ 4,621 of gold based on current gold prices. The current ING Vysya Bank Gold Loan Rate per Gram is ₹ 3,506 to ₹ 4,621, with 22-carat dresses cut on the highest 90 percent LTV.

    Updated - Gold Loan Per Gram Rate w.e.f Jun 21 2021

    Gold Weight Gold Purity
    24 Carat
    Gold Purity
    22 Carat
    Gold Purity
    20 Carat
    Gold Purity
    18 Carat
    1 gram 4621 4290 3900 3510
    10 gram 46210 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

    Historical Gold Loan Rates Per Gram

    The chart below depicts the historical movement of gold prices in India:

    This Table Contains the Average Annual Gold Rate from 1964 - 2021
    Year Price (24 karat per 10 grams) Year Price (24 karat per 10 grams)
    1964 ₹ 63.25 1993 ₹ 4,140.00
    1965 ₹ 71.75 1994 ₹ 4,598.00
    1966 ₹ 83.75 1995 ₹ 4,680.00
    1967 ₹ 102.50 1996 ₹ 5,160.00
    1968 ₹ 162.00 1997 ₹ 4,725.00
    1969 ₹ 176.00 1998 ₹ 4,045.00
    1970 ₹ 184.00 1999 ₹ 4,234.00
    1971 ₹ 193.00 2000 ₹ 4,400.00
    1972 ₹ 202.00 2001 ₹ 4,300.00
    1973 ₹ 278.50 2002 ₹ 4,990.00
    1974 ₹ 506.00 2003 ₹ 5,600.00
    1975 ₹ 540.00 2004 ₹ 5,850.00
    1976 ₹ 432.00 2005 ₹ 7,000.00
    1977 ₹ 486.00 2006 ₹ 8,400.00
    1978 ₹ 685.00 2007 ₹ 10,800.00
    1979 ₹ 937.00 2008 ₹ 12,500.00
    1980 ₹ 1,330.00 2009 ₹ 14,500.00
    1981 ₹ 1,800.00 2010 ₹ 18,500.00
    1982 ₹ 1,645.00 2011 ₹ 26,400.00
    1983 ₹ 1,800.00 2012 ₹ 31,050.00
    1984 ₹ 1,970.00 2013 ₹ 29,600.00
    1985 ₹ 2,130.00 2014 ₹ 28,006.50
    1986 ₹ 2,140.00 2015 ₹ 26,343.50
    1987 ₹ 2,570.00 2016 ₹ 28,623.50
    1988 ₹ 3,130.00 2017 ₹ 29,667.50
    1989 ₹ 3,140.00 2018 ₹ 31,438.00
    1990 ₹ 3,200.00 2019 ₹ 35,220.00
    1991 ₹ 3,466.00 2020 ₹ 48,651.00
    1992 ₹ 4,334.00 2021 ₹ 50,045.00

    Major Banks Gold Loan Per Gram Rate Comparison

    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*

    Tips to Get The Highest Gold Loan Amount from ING Vysya Bank

    • For a gold loan, ING Vysya Bank accepts both hallmarked as well as non-hallmarked jewellery. However, you can get the highest gold loan per gram for hallmark jewellery because it reduces the chances of the appraiser undervaluing it. Furthermore, some banks charge lower processing fees when purchasing hallmarked gold jewellery.
    • The price of 22-carat gold is adjusted by ING Vysya Bank based on the purity of the gold. As a result, always try to borrow against higher purity jewellery because it will get you the most money for a gold loan.
    • Always seek for the greatest LTV on the value of gold. The RBI allows Home Credit Bank to charge a maximum LTV of up to 75% to calculate the amount of gold loan you are eligible for.

    Gold Loan News

    • What is a Sovereign Gold Bond (SGB)? Who issues these bonds?

    Government securities denominated in grams of gold are known as SGBs. They serve as a substitute for physical gold. Investors must pay the issue price in cash, and the bonds must be redeemed in cash when they reach maturity. The Reserve Bank of India issues the bond on behalf of the Government of India.

    • Gold pledging is on the rise as household stress rises.

    According to Reserve Bank data, people are increasingly turning to gold and personal loans to cover basic expenses and medical emergencies.