Langpi Dehangi Rural Bank Gold Loan Key Features – Apply Now
|Langpi Dehangi Rural Bank Gold Loan Interest Rate||Starting 7.0% per annum|
|Langpi Dehangi Rural Bank Gold Loan Rate Per Gram||Rate Per Gram Today is ₹ 5,121|
|Langpi Dehangi Rural Bank Minimum Loan Amount||90% LTV on Your Gold Market Price|
|Langpi Dehangi Rural Bank Gold Requirement||Minimum 18 Carat|
|Langpi Dehangi Rural Bank Gold Loan Processing Fee||1% of the Principal Loan Amount|
|Langpi Dehangi Rural Bank Maximum Loan Amount||Up to Rs. 1 Crore|
|Langpi Dehangi Rural Bank Prepayment Charges||2% of the outstanding principal amount|
|Langpi Dehangi Rural Bank Repayment Tenure||6 Months to 60 Months|
|Langpi Dehangi Rural Bank Gold Loan Schemes||Bullet Payment Scheme, EMI Scheme|
About Langpi Dehangi Rural Bank Gold Loan
Langpi Dehangi Rural Bank, sponsored by SBI, was set up on 27th January 1982 under Section 3 (1) of the RRB Act 1976. Besides that, the Head Office of the Bank is situated at Diphu the district headquarters of District Karbi Anglong.
Langpi Dehangi Rural Bank area of operation comprises the two hill districts of Karbi Anglong as well as Dima Hasao in the state of Assam. It is the only stand-alone RRB in the country taking care of specific banking needs of people who lives in Karbi Anglong and Dima Hasao the two backward hilly districts of state Assam, India.
Besides that bank has a whole network of 59 Branches out of which 49 Branches are operating in Karbi Anglong District. Moreover 10 Branches in Dima Hasao District.
Gold Loan is a type of financial service, in which the applicant has to put the gold ornament in the bank in return for the loan amount. In this, the Gold is considered as collateral by the bank. That further means, the applicant has to repay the amount of the loan within the period of the loan.
If one fails to do so, the ornaments are confiscated by the banks. Furthermore, this is one of the popular services as Gold Loan Interest Rate is quite less in comparison to other services.
Advantages of Langpi Dehangi Rural Bank Gold Loan
1. Less Documentation Process – Firstly, Documentation requirements for availing a Gold Loan from Langpi Dehangi Rural Bank are quite less. The applicants are not asked to provide lengthy proof to avail of the financial service.
2. Easy to get – Another feature is, Availability of Langpi Dehangi Rural Bank Gold Loan service is excellent. That is, people can easily avail of a gold loan at nearby branches. It is not tough to find a nearby office.
3. CIBIL Score – In addition to this, Credit Score does not matter in this service, that is, the applicant does not have to worry about low credit repayment history. If anybody has a bad repayment history, they can improve the same by taking a Gold Loan.
4. Processing Fees – Furthermore, Langpi Dehangi Rural Bank does not charge any processing cost for a loan application. Most of the banks charge a fee, but in the case of this company, there are no charges of availing a Gold Loan.
5. Tenure- Also, Langpi Dehangi Rural Bank provides a flexible period of the loan. It starts at one year and can go up to 1 year.
6. Safety – Moreover, the protection of ornaments is the responsibility of the bank. That is, the applicant does not have to worry about the ornaments they have deposited.
7. Simple Process – Last but not least, the system of this service is very transparent. That is, Langpi Dehangi Rural Bank does not hide anything from the customers.
8. Foreclosure charges – Langpi Dehangi Rural Bank charges 0.50% of the principal amount as foreclosure charges.
How many loans Can I Get through Langpi Dehangi Rural Bank Gold Loan
|Langpi Dehangi Rural Bank Gold Loan – updated January 2021|
|Weight||Loan on 18Cr Gold||Loan on 20Cr Gold||Loan on 22Cr Gold||Loan on 24Cr Gold|
Why Choose Langpi Dehangi Rural Bank Gold Loan?
So many banks and non-financial organizations provide a Gold Loan. Then why should you choose Langpi Dehangi Rural Bank for a Gold Loan? Here are some reasons
1. Firstly, the bank is very dedicated to its customers.
2. Secondly High Loan amount from a minimum in thousands to a crore.
3. Thirdly, Quick processing in Langpi Dehangi Rural Bank Gold Loan
4. Poor credit history/ CIBIL score, not an issue.
7. Instant Processing and Disbursal of Langpi Dehangi Rural Bank Jewellery Loan
8. Also, the lowest interest rate.
9. Minimum documentation required for Langpi Dehangi Rural Bank Gold Loan
10. Furthermore, Flexible repayment options in Langpi Dehangi Rural Bank Gold Loan
Langpi Dehangi Rural Bank Gold Loan Eligibility
|Age||18-70 years of age|
|Employment Status||Salaried, Self-Employed|
|Gold Quality, Gold Quantity||Minimum 18 Carats, minimum 10 grams|
|Requirements||Gold ornaments (18-22 carats)|
|CIBIL score||Above 500|
Langpi Dehangi Rural Bank Gold Loan at Home
Gold Loan at Home 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 may use the gold loan calculator to calculate 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.
One of our representatives will contact you and arrive at your home within 30 minutes. The appropriate gold loan amount will be paid immediately to your bank account when all e-documentation and gold identification is completed at your home.
The benefits of getting a gold loan at your doorsteps are:
- Diverse Range of Gold Loan Schemes
- Your Gold will just be released the same day.
- You can get free insurance for your Gold
- There are no hidden fees.
- You will get the maximum value of your Gold
- Service at Your Door in 30 Minutes
Langpi Dehangi Rural Bank Gold Loan Documents Required
Loan Against Gold is a special loan product offered to the borrowers by the Langpi Dehangi Rural Bank wherein funds are disbursed for fulfilling the financial needs of the borrower. The gold articles of the applicant are kept as security by the bank in exchange for the funds. The entire Langpi Dehangi Rural Bank Gold Loan procedure is quick to get with negligible documents. The Langpi Dehangi Rural Bank ensures the high security of your gold ornaments till the loan is closed.
Documents required for Applying for Langpi Dehangi Rural Bank Gold Loan:
|Identity Proof||Aadhar Card/Pan Card/ Passport/ Voter ID|
|Residence Proof||Aadhar Card /Pan Card/ Ration Card/ Utility Bills on the name of the applicant/ Rental Agreement of applicant/ Voter ID card.|
|Agriculture Proof ( only if applicable)||Agriculture Land Ownership Proof|
|Photographs||2 Passport sized coloured|
**Any other documents asked by the bank shall be duly submitted.**
Langpi Dehangi Rural Bank Gold Loan Interest Rate
In general Loan Gold, the gold loan is available at a low-interest rate. Moreover, the reason behind that the gold loan comes in the category of secured loans. So the Gold loan interest rates are lesser than a personal loan or any other kind of loan. However, the Gold loan rate keeps on changing with the passage of time as well as person to person.
|Gold Loan Interest Rate||7.0%|
|Processing Fee||0.85% of the loan amount|
|Loan Amount||₹ 1,000 to ₹ 1 crore|
|Prepayment Charges||0-2% of the outstanding principal amount|
Langpi Dehangi Rural Bank Gold Loan Apply Online
Applying for the Langpi Dehangi Rural Bank Gold Loan service is a quick and straightforward process that can be achieved from your home comfort. It can be done online by just visiting the bank’s official site and filling a form with required information concerning yourself and about the Gold Loan you want. Visit the bank branch with the required documents and your Gold.
Apply with Dialabank by following the mentioned steps to get the Gold Loan of your dreams.
- Visit Dialabank’s Digi-portal, where you just have to fill a form without any sort of registration.
- Our Dialabank Relationship Manager will contact you and assist you throughout the Gold Loan process and assist you in fulfilling your money requirements.
- You will get personalized services, giving you the option of comparing and choosing the best deal as per your choice without charging extra.
- At Dialabank, you can compare the different offers and schemes from different banks based on the funding provided and the rate of interest charged for choosing the best loan deal for yourself.
GOLD LOAN @ 0.75%*
Langpi Dehangi Rural Bank Gold Loan EMI Calculator
|Rate of Interest||6 months||1 Yr||2 Yrs||3 Yrs|
How to Pay Your Langpi Dehangi Rural Bank Gold Loan EMI?
Your Langpi Dehangi Rural Bank gold advance can be reimbursed in the following three different ways.
- Standing Instruction (SI): For Langpi Dehangi Rural Bank users.
- Electronic Clearing Service (ECS): For Non-Langpi Dehangi Rural Bank account holders.
- Post-Dated Checks (PDCs): You can submit post-dated EMI checks from a non-Langpi Dehangi Rural Bank account at your closest Langpi Dehangi Rural Bank Loan Center.
Langpi Dehangi Rural Bank Gold Loan Contact Number
For any sort of assistance regarding the Langpi Dehangi Rural Bank gold loan, you can contact us on the number 9878981144.
Gold Ornaments Accepted by Langpi Dehangi Rural Bank
Gold jewellery of 18-22 carats such as Gold Bangles, Gold rings, Gold anklets, and Gold necklaces are accepted for availing of Gold Loan.
Uses of Langpi Dehangi Rural Bank Gold Loan
The funds acquired by availing the Langpi Dehangi Rural Bank Gold Loan service can be used for several purposes such as:
- To fund any personal expenses such as a wedding, travel, higher education fee payment, etc.
- For all kinds of business needs, such as buying raw matter, expansion-of-business, etc.
- Gold loans can be availed for agrarian reasons as well. The bank offers an Interest rate on Gold Loan that is used for agriculture or allied activities.
Click here to Know More – Five mistakes to avoid while applying for a Gold Loan
Langpi Dehangi Rural Bank Agricultural Jewel Loan Scheme
|Scheme||Agricultural Jewel Loan Scheme|
|Interest Rate||Starting at 7%|
|Least amount of Loan||Depends on the value of jewel|
|Loan period||Adjustment of advance sum inside 2 months from the date of reap of yields|
Benefits of Langpi Dehangi Rural Bank Agricultural Jewel Loan Scheme
- The very little processing fee is charged.
- For 0.30% of the loan amount, at least ₹ 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
Langpi Dehangi Rural Bank Gold Loan Overdraft Scheme
For Langpi Dehangi Rural Bank Gold loan, according to the overdraft scheme, the Gold Loan Amount is given in the form of a credit card. The interest is charged only on the amount that is used.
FAQs About Langpi Dehangi Rural Bank Gold Loan
✅ What is Langpi Dehangi Rural Bank Gold Loan?
Langpi Dehangi Rural Bank provides Gold Loan to people aged 18-70 years at attractive interest rates depending on the amount to be sanctioned and the quality of your Gold. Langpi Dehangi Rural Bank gives gold loans starting from Rs 1000 to a maximum of Rs 1 crore with a tenure commencing between 6 to 60 months.
✅ How can I get the Gold Loan from Langpi Dehangi Rural Bank?
You can get a gold loan from Langpi Dehangi Rural Bank by either visiting the nearest branch, or you can apply online with Dialabank by merely filling a form. Once your documents are verified, the loan gets processed in the indicated account.
✅ How does Langpi Dehangi Rural Bank Gold Loan work?
Langpi Dehangi Rural Bank Gold Loan works once the borrower pledges his Gold with Langpi Dehangi Rural Bank and fulfils the documents required. The loan amount is quickly disbursed in his indicated account.
✅ What is Gold Loan Interest Rate in Langpi Dehangi Rural Bank?
The gold loan interest rate in Langpi Dehangi Rural Bank is 7.0%.
✅ How to check Gold Loan status in Langpi Dehangi Rural Bank?
Gold loan status can be checked in Langpi Dehangi Rural Bank by just following the steps given below:
- Visit the Langpi Dehangi Rural Bank page.
- Fill in your vital details and credentials to log in.
- Track the status of your loan application.
✅ How to calculate Gold Loan Interest in Langpi Dehangi Rural Bank?
The gold loan interest can be calculated on your Langpi Dehangi Rural Bank Loan by merely subtracting the sanctioned amount from the outstanding amount.
✅ What is the maximum loan amount I can avail on Gold Loan from Langpi Dehangi Rural Bank?
The maximum loan amount you can avail of a Gold Loan on is up to Rs 1 crore from Langpi Dehangi Rural Bank provided you fulfill the eligibility requirements.
✅ What is the loan tenure of Langpi Dehangi Rural Bank Gold Loan?
The loan tenure for which Langpi Dehangi Rural Bank Gold loan is upto 60 months.
✅ How much Processing Fee is applicable on Langpi Dehangi Rural Bank Gold Loan?
The processing fee applicable to Langpi Dehangi Rural Bank Gold Loan is 0.85% of the loan amount.
✅ What are the charges for Prepayment in Langpi Dehangi Rural Bank Gold Loan?
The prepayment charges in Langpi Dehangi Rural Bank Gold loan is 0-2% of the outstanding loan amount.
✅ How to renew Langpi Dehangi Rural Bank Gold Loan Online?
To renew Langpi Dehangi Rural Bank loan against gold online, you will have to apply for the same on Langpi Dehangi Rural Bank’s digital portal.
✅ How to Pay Langpi Dehangi Rural Bank Gold Loan Interest Online?
You can pay Langpi Dehangi Rural Bank Gold loan interest amount online using any of the payment modes available like e-wallets, net banking, mobile banking, debit cards, etc.
✅ What if I can’t pay the interest on Langpi Dehangi Rural Bank Gold Loan for three months?
If you cannot pay your Langpi Dehangi Rural Bank gold loan amount for three months, the bank will warn you to repay the loan amount on time. If in case you are continuously making loan defaults, the bank reserves all rights to sell your gold ornaments pledged with it.
✅ How can I apply for EMI Moratorium on Langpi Dehangi Rural Bank Gold Loan?
You can apply for the Langpi Dehangi Rural Bank gold loan either by visiting the branch personally and filling the form for the same or can also apply online on Langpi Dehangi Rural Bank’s website by logging in with your credentials.
✅ How to pay Langpi Dehangi Rural Bank Gold Loan through Credit Card?
Paying Langpi Dehangi Rural Bank gold loan through credit card is not possible and legal as per the current RBI guidelines.
✅What is the Overdraft Scheme for Langpi Dehangi Rural Bank Gold Loan?
The overdraft scheme works as a credit card and the interest is only charged on the amount of money used.
✅What is the Langpi Dehangi Rural Bank Gold Loan closure procedure?
The Gold loan will automatically close after the payment is done in full.
✅What is the Langpi Dehangi Rural Bank customer care number?
The customer care number is 9878981144
✅ What is Langpi Dehangi Rural 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 Langpi Dehangi Rural Bank Gold Loan Foreclosure charges?
0.50% of the principal amount are the Foreclosure charges.
✅ What is the minimum gold loan tenure?
The minimum gold loan tenure is 6 months.