Kerala Gramin Bank Gold Loan Documents Required

GOLD LOAN @ 0.57%*
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⍟  Highest Rate Per Gram
⍟  Lowest Interest Rate of 0.57% p.m.

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    Kerala Gramin Bank Gold Loan Documents Required

    Features of Kerala Gramin Bank Gold Loan

    Kerala Gramin Bank is a Regional Rural Bank that is headquartered at Malappuram in Kerala. Customers can apply for Gold Loans in Kerala Gramin Bank. For more queries, Dialabank is always there for its customers.

    The key features of Kerala Gramin Bank Gold Loan are as follows:

    • Prepayment Charges: Kerala Gramin Bank Gold Prepayment Charges are 2%+GST within three months and zero after three months.
    • Interest Rate: Kerala Gramin Bank Gold Loan Interest rate is 7% per annum.
    • Processing Fee: Kerala Gramin Bank Gold Loan Processing Fee is Up to 0.23%
    • Rate Per Gram: Kerala Gramin Bank Gold Loan Rate Per Gram is ₹ 3,506 to ₹ 4,621

     

    Kerala Gramin Bank Gold Loan Documents Required

    Kerala Gramin Bank Gold Loan Comparision with banks

    Bank / NBFC Rate Per Gram Interest Rate Gold Loan Tenure Min – Max Loan Amount
    ₹ 3,506 to ₹ 4,621 0.099 3 to 24 months ₹ 10 thousand to 5 crore
    ICICI Gold Loan ₹ 3,506 to ₹ 4,621 0.1 6 to 12 months ₹ 10 thousand to 5 crore
    ₹ 3,506 to ₹ 4,621 0.12 7 days to 36 months ₹ 3 thousand to 1 crore
    ₹ 3,506 to ₹ 4,621 0.1225 12 months ₹ 3 thousand to 1 crore
    ₹ 3,506 to ₹ 4,621 0.1025 36 months ₹ 20 thousand to 50 lakh
    ₹ 3,506 to ₹ 4,621 0.1 3 to 36 months ₹ 10 thousand to 5 crore
    SBI Gold Loan ₹ 3,506 to ₹ 4,621 0.0975 12 to 36 months ₹ 20 thousand to 50 lakh
    ₹ 3,506 to ₹ 4,621 0.075 3 to 36 months ₹ 20 thousand to 50 lakh
    ₹ 3,506 to ₹ 4,621 0.1025 12 months ₹ 20 thousand to 50 lakh
    ₹ 3,506 to ₹ 4,621 0.1025 12 months ₹ 10 thousand to 5 crore
    IIFL Gold Loan ₹ 3,506 to ₹ 4,621 0.12 11 months ₹ 3 thousand to 50 lakh

    Kerala Gramin Bank Gold Loan EMI calculator

    The Kerala Gramin Bank Gold Loan EMI Calculator calculates your monthly EMI at the chosen rate for a selected period. The EMI is set by the loan quantity, rate, and loan term.

    Loan quantity: If you provoke a bigger gold loan online, your EMI is higher.

    Interest rate: The rate is directly proportional to the value of EMI. The higher the rate greater the EMI.

    Loan Duration: In the case of an extended loan amount/period, the EMI on a gold loan is reduced.

    Dialabank provides you with the best assistance in the case of Kerala Gramin Bank Gold Loan Eligibility, EMI Calculator and Documents Required!

    Kerala Gramin Bank Gold Loan Documents Required

    Kerala Gramin Bank Gold Loan Documents Required are mentioned below:

    At the time of application the following documents are required:

    • Proof of the citizenship of India
    • Duly filled application form
    • 2 passport-sized photographs
    • Applicant’s KYC documents to establish Identity and Address
    • Salary/ Income Proof
    • Witness Letter in case of illiterate borrowers
    • In the case of Agriculture Loan of more than Rs. 1 lac, land proof
    • Certificate by the Jewel Appraiser (Bank will arrange)

    At the time of disbursement the following documents are required:

    • Demand Promissory Note & Demand Promissory Note Take Delivery Letter
    • Gold Ornaments Take Delivery Letter
    • Arrangement Letter

    Kerala Gramin Bank Gold Loan Documents Required – FAQs

    What’s the eligibility for a gold loan in Kerala Gramin Bank?

    To be eligible for a Gold Loan, one should be in the age group of 18 – 65 years. Gold Loan eligibility criteria also include the loan repayment tenure. Basically, Gold Loans are offered for minimum as well as maximum tenures of 6 and 24 months respectively, and one should be able to repay the loan within this tenure.

    Does a gold loan affect the cibil score?

    Yes, gold loans or credit, in general, influences the credit score. Handling credit or gold loan payments responsibly can improve the credit score.

    ✅ How am I able to improve my cibil score?

    Check Your Credit Report.
    Make Corrections to Errors.
    Note Your Credit Utilization quantitative relation.