Langpi Dehangi Rural Bank Gold Loan

Gold Rate: ₹ 5,121 Per Gram

⍟ Interest Rate 7.0% p.a. ⍟

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Loan Amount Up to 1 Crore
Loan Tenure Up to 48 Months
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About Langpi Dehangi Rural Bank Gold Loan 

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 RRB Act 1976. Besides that, the Head Office of the Bank is situated at Diphu the district Headquarter of District Karbi Anglong.

Langpi Dehangi Rural Bank area of operation comprises of 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 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 loan amount. In this, the Gold is considered as collateral by the bank. That further means, the applicant has to repay the amount of 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 Rates are quite less in comparison to other services.

Langpi Dehangi Rural Bank Gold Loan Key Features

Loan Amount Up to Rs. 1 crore.
Langpi Dehangi Rural Bank Gold Loan Interest Rate 7.0% 
Langpi Dehangi Rural Bank Gold Loan Per Gram Rate Per Gram is Rs. 5,340
Processing Fee 0.85% of the loan amount
Prepayment Charges 0-2% of the outstanding principal amount
Repayment Tenure Up to 60 months
Repayment Scheme Bullet Payment Scheme, Overdraft Scheme

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 proofs 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.

How Much Loan Can I Get through Langpi Dehangi Rural Bank Gold Loan

As for the recent gold prices, Langpi Dehangi Rural Bank provides gold loan of  Rs. 5,340 per gram. 
Langpi Dehangi Rural Bank Gold Loan
Weight Loan on 18Cr Gold Loan on 20Cr Gold Loan on 22Cr Gold Loan on 24Cr Gold
1 gm 2455 2737 3020 3302
10 gms 24550 27370 30200 33020
20 gms 49100 54740 60400 66040
30 gms 73650 82110 90600 99060
50 gms 122750 136850 151000 165100
100 gms 245500 273700 302000 330200
200 gms 491000 547400 604000 660400
300 gms 736500 821100 906000 990600
500 gms 1227500 1368500 1510000 1651000

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 Gold 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
Nationality Indian
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 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 colored

**Any other documents asked by the bank shall be duly submitted.**

Langpi Dehangi Rural Bank Gold Loan Interest Rate

In general Loan on 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 a Gold Loan of your dreams.

  • Visit Dialabank’s Digi-portal, where you just have to fill a form through 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 funding provided and the rate of interest charged for choosing the best loan deal for yourself.
gold loan at 7%

Langpi Dehangi Rural Bank Gold Loan EMI Calculator

Rate of Interest 6 months 1 Yr 2 Yrs 3 Yrs
7.00% 17008 8652 4477 3088
8.00% 17058 8699 4523 3134
8.50% 17082 8722 4546 3157
9.00% 17107 8745 4568 3180
9.50% 17131 8678 4591 3203
10.00% 17156 8791 4614 3227
10.50% 17181 8815 4637 3250
11.00% 17205 8838 4661 3274
11.50% 17230 8861 4684 3298
12.00% 17254 8885 4707 3321
12.50% 17279 8908 4731 3345
13.00% 17304 8932 4754 3369
13.50% 17329 8955 4778 3393
14.00% 17354 8979 4801 3418
14.50% 17378 9002 4825 3442
15.00% 17403 9026 4845 3466

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.

  1. Standing Instruction (SI): For Langpi Dehangi Rural Bank users.
  2. Electronic Clearing Service (ECS): For Non-Langpi Dehangi Rural Bank account holders.
  3. 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 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 Loan can be availed for agrarian reasons as well. The bank offers a low rate of interest for Gold Loans that are used for agriculture or allied activities.

Click here to Know More –  Five mistakes to avoid while applying for a Gold Loan

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 much Gold Loan can I get per gram in Langpi Dehangi Rural Bank?

Gold Loan per gram in Langpi Dehangi Rural Bank is Rs. 5,340.

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 fulfills 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.

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