Jharkhand Gramin Bank Gold Loan

Get Loan in 30 Mins

I have read the Privacy Policy & Agree to Terms & Conditions and authorize Dialabank & its partner institutions to Call or SMS me with reference to my application.
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 Jharkhand Gramin Bank Gold Loan

Jharkhand Gramin Bank Gold LoanJharkhand Gramin Bank is a rural bank which was established in 2006 after the merger of three regional rural banks Ranchi Kshetriya Gramin Bank, Singhbhum  Kshetriya Gramin Bank, Hazaribag Kshetriya Gramin Bank, and Giridih Kshetriya Gramin Bank.

The bank has its head office in Ranchi. Also, it operates in 15 districts of Jharkhand with a wide network of 224 branches. The bank provides financial services to people like personal loan, gold loan. loan against property and many more.

Gold Loan which is also stated as loan against gold is a financial service in which the applicant just has to put gold jewelry in the bank against the loan amount. It is one of the most availed services due to its low interest rates and easy availability.

Eligibility of Jharkhand Gramin Bank Gold Loan

The applicant can avail a loan as long as the eligibility criteria are fulfilled:

  1. Firstly, The applicant should lie in the age group 18-70 years
  2. Most importantly, you should be a citizen of India.
  3. No employment status is considered, therefore, both salaried and self-employed can apply
  4. The weight and quality of gold are equally important as a result the gold should weight at least 10 grams and purity should lie between 18 carats to 22 carats
  5. Maximum funding that can be availed is up to 1Crore.

Documents Required for Jharkhand Gramin Bank Gold Loan

The documents should be particularly from the following options

Applicant Identity Verification Documents can be amongst the below  documents (ANY):

  • Passport: Valid Copy of passport both front and last page
  • Voters ID card: Copy of Valid Voter Identity Card
  • Driving License: Copy of Driving license which is valid.
  • Adhar card: Copy of Adhar Card with current information

Applicant Address Verification Proof can be amongst the below documents(ANY):

  • Passport: Valid Copy of passport both front and last page.
  • Voters ID card: Copy of Valid Voter Identity Card.
  • Driving License: Copy of Driving license which is valid.
  • Adhar card: Copy of Adhar Card with current information.
  • Utility Bills on the name of the applicant.
  • Sales Tax Certificate.
  • Rental Agreement.

Signature Verification Documents required are namely:

  • Valid Copy Passport.
  • Bank’s Verification Certificate.
  • Cheque.

Uses of Loan Amount

The amount of Gold Loan can be used according to the need of the loan seeker. There is no restriction from the bank to use the amount. You can use the money for:

  • First of all, to deal with medical problems.
  • Secondly, for a wedding.
  • Furthermore, for education purposes.
  • Moreover, for the expansion of the business.

Interest Rate of Jharkhand Gramin Bank Gold Loan

The Gold Loan Interest Rate is quite less in comparison to other services like personal loan, home loan. The rate of interest starts at 10.75% annually. Which is quite less and affordable for the customers.

Secondly, the period of the loan can be availed according to the need of the customer. That is, they have a choice to choose from 1 year to 4 years as the period of a loan.

Features of Jharkhand Gramin Bank Gold Loan

  • Safety of Ornaments:  Of course the security of your Gold Jewellery is more in banks due to the proper security systems, unlike our homes.
  • Fast Process:  This is a type of secured loan therefore, you can get your gold loan processed in as quick as 30 minutes
  • Overdraft Facility:  The applicant has the option of overdraft facility that allows the applicant to enjoy anytime cash flow as per the needs.
  • Low-Interest Rates: Another feature is the rate of interest is very less in comparison to other services provided by the banks and NBFC’s
  • No Processing Charges: Surprisingly, the bank does not charge any extra cost for applying for a gold loan.
  • Fewer Documentation: The formalities that are to be completed are very less due to the type of service this is.
  • Flexible Period: Last but not least, the applicant can choose the tenure depending upon the need.

How to Apply for Jharkhand Gramin Bank Gold Loan?

To begin, it is easy to apply for a gold loan. You can do that by sitting at home. Just follow the following steps and enjoy the service of gold loan at the comfort of your home.

  • To begin with, visit our website Dialabank.
  • Next, the loan seeker has to fill a form Online with current information.
  • After this, you will get a call from our Relationship Manager to clear all doubts and to assist you in the entire process of the loan.
  • After this, you can check your eligibility for further clarification of the approval of a loan.
  • Furthermore, submit all the documents required as proofs in the banks.
  • Finally, the loan is approved in some minutes and disbursed within a day.
  • Lastly, you can also directly call us at 9592046860.

Avail your Gold Loan with Dialabank and get personalized assistance

Other Major Gold Loan Providers

Share This