Kashi Gomti Samyut Gramin Bank Gold Loan

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Loan Amount Up to 1 Crore
Loan Tenure Up to 48 Months
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About Kashi Gomti Samyut Gramin Bank Gold Loan

Kashi Gomti Samyut Gramin Bank is a regional rural bank established on 6 January 1976. The headquarters of this bank is in Azamgarh. Gold Loan is a financial service in which the applicant just has to put gold ornaments in the bank in return of the loan amount.

A lot of people avail this service as the Gold Loan Interest Rate is quite low in contrast to other loan services. After, the repayment of the loan amount the jewelry is given to the customer in the same shape.

Advantages of Kashi Gomti Samyut Gramin Bank Gold Loan

  • Transparent System: Firstly, the system of the gold loan is very clear therefore, there are no hidden norms
  • No Debt Burden: Moreover, There can be situations in which an applicant is not able to repay the loan amount in such a case the applicant will not be under debts as the bank will only confiscate the ornaments.
  • Low Rate of Interest: Major advantage, the applicant will have to pay the least interest rate in comparison to other loans.
  • Advantage on the rate of interest for Farmers: As a matter of fact, The farmers are given a rebate on the interest rate on availing this service.
  • No Income bounds: There are no restrictions on the salary or income of the applicant hence, anyone with any income rage can avail a gold loan.
  • Security of Assets: One of the major advantage, the applicant does not has to worry about the safety of the ornaments as it is the headache of the bank and not the owner.
  • Fast Process:  Kashi Gomti Samyut Kshetriya Gramin Bank Gold Loan is a  secured loan therefore, you can get your gold loan disbursed in just 30 minutes
  • Minimal Documents: Lastly, the applicant has to submit very fewer documents to avail a gold loan which makes it a hassle-free service.

Interest Rate of Kashi Gomti Samyut Gramin Bank Gold Loan

Kashi Gomti Samyut Gramin Bank Gold Loan

  1. The interest rate of this service starts at 10.5%-12% p.a.
  2. The financial organizations provide these loans for 1 to 4 years.
  3. The pre-closure charges are in between 0% to 2% of the value of the loans.

Eligibility for Kashi Gomti Samyut Gramin Bank Gold Loan

  1. The gold should be in the name of the applicant or family member.
  2. The applicant should be a resident of India.
  3. The age should lie in between 18-70 years group.
  4. The minimum loan amount is 18000 Rupees, and it can go up to 1 Crore depending upon the quality of gold.
  5. It is a service with the best rate of interest.

Documents Required for Kashi Gomti Samyut Gramin Bank Gold Loan

The documents should be particularly from the following options:

Applicant Identity Verification Documents can be amongst the below  documents (ANY):
  1. Passport: Valid Copy of passport, both front and last page
  2. Voters ID card: Copy of Valid Voter Identity Card
  3. Driving License: Copy of valid Driving license
  4. Adhar card: Copy of Adhar Card with updated information

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

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

Signature Verification Documents required are namely:

  1. Valid Copy Passport
  2. Bank’s Verification Certificate
  3. Cheque

FAQs About Kashi Gomti Samyut Gramin Bank Gold Loan

Q. How much Gold Loan can I get per gram in Kashi Gomti Samyut Gramin Bank?

The loan rate per gram of gold depends on the purity of the gold that is to be pledged in the bank and the market price of the gold.

Q. What is Kashi Gomti Samyut Gramin Bank Gold Loan?

Kashi Gomti Samyut Gramin Bank provides loan against gold service for the people in need of funds for their personal uses like vacation expenses or higher education fees or business and even agricultural purpose. These loans are given at attractive interest rates and also with renewal facility.

Q. What is the Gold Loan interest rate in Kashi Gomti Samyut Gramin Bank?

The rate of Interest charged by the banks on the Gold Loan starts from 10.70%. The interest rate is charged based on the total amount that is borrowed by the customer.

Q. How to pay Kashi Gomti Samyut Gramin Bank Gold Loan online?

You can pay for Kashi Gomti Samyut Gramin Bank Gold Loan by various convenient and easy methods provided by the bank. Contact the customer care executive of the bank for detailed information.

Q. How to apply Gold Loan in Kashi Gomti Samyut Gramin Bank?

The application process for Gold Loan from Kashi Gomti Samyut Gramin Bank is simple and easy, you just need to visit the branch with your documents and gold or apply through dialabank.com for comparing offers from many banks and choosing the one suitable to you.

Q. How to renew Kashi Gomti Samyut Gramin Bank Gold Loan online?

Renewal procedure requires you to be in the branch with all your documents related to the loan. You can learn more about the renewal process by visiting the branch and contacting the loan officer.

Q. How to take Gold Loan from Kashi Gomti Samyut Gramin Bank?

Taking the Gold Loan is a quick process. The bank gives fast disbursement of funds after the application is approved. You can apply for the loan either offline or online and use the disbursed funds according to your needs.

Q. What is Gold Loan in Kashi Gomti Samyut Gramin Bank?

Gold Loan service provided by Kashi Gomti Samyut Gramin Bank is a financial product where the loan is given against gold jewelry kept as security by the bank. The bank charges a low rate of interest on these loans as they are fully secured loans and the bank has no risk in giving such loans. The bank gives easy repayment options with renewal and overdraft facilities.

Q. How to get Kashi Gomti Samyut Gramin Bank Gold Loan?

You just need to apply for Gold Loan to get it which can be done by visiting the loan branch or applying through Dialabank’s digital platform to get personalized assistance and choosing the best deal according to your needs.

Q. How to check Kashi Gomti Samyut Gramin Bank Gold Loan status?

Checking the status of your Loan can be done by visiting the bank branch or contacting the customer care executive.

Q. How to close Kashi Gomti Samyut Gramin Bank Gold Loan?

Generally, the banks provide you various options to repay the amount. You can make a bullet payment with servicing interest or pay EMIs. You can do it by SI, ECS or Post Dated Cheques.

Q. How to renew Kashi Gomti Samyut Gramin Bank Gold Loan?

You can renew your Gold Loan from the same branch where the loan was initially approved. Your pledged gold is first released then revalued according to the current market rates.

Q. What happens if someone defaults Kashi Gomti Samyut Gramin Bank Gold Loan?

If someone defaults payment for the Gold Loan from Baroda Rajasthan Kshetriya Gramin Bank it affects the credit score negatively and also auctions the gold for the recovery of the amount if the amount is not paid.

Q. How many branches of Kashi Gomti Samyut Gramin Bank Gold Loan?

Kashi Gomti Samut Kshetriya Gramin Bank, with its headquarter at Azamgarh was established on January 06, 1976. It has more than 150 branches in the state.

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