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Pallavan Grama Bank Agriculture Gold Loan

Pallavan Grama Bank Agriculture Gold Loan Features & Benefits

Pallavan Grama Bank Gold Loan Per Gram Today Gold Loan Rate Per Gram Today is ₹ 3,506 to ₹ 4,621
Eligible Age 18 to 75 years
Loan Amount Eligibility Rs. 1,000 to Rs. 2 Cr
Documents Required Basic KYC documents for address and identity proof. No income documents and no CIBIL score documents are required.
Purity of Gold 18 carat to 22 carat
Type of Gold Gold jewelry and gold coins of 18-24 carats
Loan to Value Ratio 25% of the gold ornament’s market value

Pallavan Grama Bank Loan to Value Ratio is of 25% of the Gold Ornaments Market Value. These Banks has various features and benefits in Agriculture Gold Loans. The Purity of the Gold Loan ranges from 18-24 carat Golds.

Pallavan Grama Bank Agriculture Gold Loan Calculator

  • Dialabank Pallavan Grama Bank Agriculture Gold Loan Calculator has various features and benefits.
  • These Gold Loan Calculators depends on various factors like Purity of the Gold, Weight of the Gold and Gold Loan to Value Ratio.
  • The Gold Loan to Value Ratio is 75% of the Gold Ornaments Market Value.
  • The Purity of the Gold varies and this Purity of the Gold ranges between 18-24 carat Gold.
  • The weight of the Gold also plays a major role in the Pallavan Grama Bank Agriculture Gold Loan. The Gold Loan Calculators is available in all banks.

Pallavan Grama Bank Agriculture Gold Loan Eligibility

There are certain requirements that are required to be fulfilled to avail a agriculture gold loan:

  • The applicant should have attained at least 18 years of age
  • The individual should have his own gold ornaments or articles that can be pledged
  • The gold to be pledged should be 18 carats or above
  • The applicant should have a decent CIBIL score
Bank Interest Rate Lowest EMI/lakh Eligible loan amount
HDFC Gold loan 9.90% Rs. 4614 Rs 50 lakh for 24 months
ICICI Bank 10% Rs. 8,792 Rs. 15 lakh for 12 months
Axis Bank 15% Rs. 4,849 Rs. 20 lakh for 24 months
Yes Bank 11.25% Rs. 3,286 Rs. 50 lakh for 36 months
Muthoot Gold loan 12% Rs. 3321 Rs 1 cr. For 36 months
Mannapuram Gold loan 12% Rs. 8,885 Rs 1 cr. For 12 months
Canara Bank 7.65% Rs. 8,683 Rs. 10 lakh for 12 months
IIFL 9.24% Rs. 9,516 Rs. 10 lakh for 11 months
IndusInd 10.50% Rs. 8,815 Rs. 10 lakh for 12 months
Andhra Bank 10.70% Rs. 8,824 Rs. 2 crores for 12 months
Federal Bank 8.50% Rs. 8,722 Rs. 75 lakh for 12 months
SBI Gold loan 7.50% Rs. 3111 20 lakh for 36 months

Documents Required for Pallavan Grama Bank Agriculture Gold Loan

Photographs 2 Passport-Sized photos, latest, coloured, clear, without spectacles
Identity Proof 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
Residence Proof 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
Agricultural Land Proof Required only if the Loan is taken for Agricultural Purpose. In the case of an Agriculture Loan on the gold of more than Rs. 1 lakh there is no requirement of proof for allied agriculture purposes.
Demand Promissory Note Certificate by the Jewel Appraiser (Bank will arrange)

Pallavan Grama Bank Agriculture Gold Loan Rate Per Gram by Gold Purity

Gold Purity Gold Rate Per Gram- Average Of Past 30 Days Highest Gold Loan Per Gram Lowest Gold Loan Per Gram
22 carat ₹ 4,620 ₹ 4,999 ₹ 4,956
20 carat ₹ 3,939 ₹ 4,178 ₹ 3,795
18 carat ₹ 3,545 ₹ 3,784 ₹ 3,460

The above table shows the method by which Banks will calculate your per gram gold loan for gold of varying purity.

  • Gold loan per gram offer for 22-carat jewelry will be between ₹ 4,620 to ₹ 4,956
  • Gold loan per gram offer for 20-carat jewelry will be between ₹ 3,795 to ₹ 4,178
  • Gold loan per gram offer for 18-carat jewelry will be between ₹ 3,460 to ₹ 3,784

The above table shows the Pallavan Grama Bank Agriculture Gold Loan Rate Per Gram By Gold Purity.

Pallavan Grama Bank  Agriculture Gold Loan Interest Rate Per Gram

The following table shows the Pallavan Grama Bank Agriculture Gold Loan Interest Rates Per Gram – Updated Jun 24 2021

Updated - Gold Loan Per Gram Rate w.e.f Jun 24 2021

Gold Weight Gold Purity
24 Carat
Gold Purity
22 Carat
Gold Purity
20 Carat
Gold Purity
18 Carat
1 gram 4621 4290 3900 3510
10 gram 46210 42900 39000 35100
20 gram 93600 85800 78000 70200
30 gram 140400 128700 117000 105300
40 gram 187200 171600 156000 140400
50 gram 234000 214500 195000 175500
100 gram 468000 429000 390000 351000
200 gram 936000 858000 780000 702000
300 gram 1404000 1287000 1170000 1053000
400 gram 1872000 1716000 1560000 1404000
500 gram 2340000 2145000 1950000 1755000

Historical Gold Loan Rates Per Gram

The following table shows the Historical Gold Loan Rates Per Gram

This Table Contains the Average Annual Gold Rate from 1964 - 2021
Year Price (24 karat per 10 grams) Year Price (24 karat per 10 grams)
1964 ₹ 63.25 1993 ₹ 4,140.00
1965 ₹ 71.75 1994 ₹ 4,598.00
1966 ₹ 83.75 1995 ₹ 4,680.00
1967 ₹ 102.50 1996 ₹ 5,160.00
1968 ₹ 162.00 1997 ₹ 4,725.00
1969 ₹ 176.00 1998 ₹ 4,045.00
1970 ₹ 184.00 1999 ₹ 4,234.00
1971 ₹ 193.00 2000 ₹ 4,400.00
1972 ₹ 202.00 2001 ₹ 4,300.00
1973 ₹ 278.50 2002 ₹ 4,990.00
1974 ₹ 506.00 2003 ₹ 5,600.00
1975 ₹ 540.00 2004 ₹ 5,850.00
1976 ₹ 432.00 2005 ₹ 7,000.00
1977 ₹ 486.00 2006 ₹ 8,400.00
1978 ₹ 685.00 2007 ₹ 10,800.00
1979 ₹ 937.00 2008 ₹ 12,500.00
1980 ₹ 1,330.00 2009 ₹ 14,500.00
1981 ₹ 1,800.00 2010 ₹ 18,500.00
1982 ₹ 1,645.00 2011 ₹ 26,400.00
1983 ₹ 1,800.00 2012 ₹ 31,050.00
1984 ₹ 1,970.00 2013 ₹ 29,600.00
1985 ₹ 2,130.00 2014 ₹ 28,006.50
1986 ₹ 2,140.00 2015 ₹ 26,343.50
1987 ₹ 2,570.00 2016 ₹ 28,623.50
1988 ₹ 3,130.00 2017 ₹ 29,667.50
1989 ₹ 3,140.00 2018 ₹ 31,438.00
1990 ₹ 3,200.00 2019 ₹ 35,220.00
1991 ₹ 3,466.00 2020 ₹ 48,651.00
1992 ₹ 4,334.00 2021 ₹ 50,045.00

Major Banks Agriculture Gold Loan Per Gram Rate Comparison

Feature
HDFC Bank
ICICI Bank
Muthoot Finance
Interest Rate
9.50% onwards
10.50%
12%
Min Loan Amt
Metro : 25000, Non : 15000
25000
15000
Max Loan Amt
1 Cr
1 Cr
1 Cr
Loan Tenure
3 months to 24 months
9 months to 24 months
1 month to 24 months
Processing Fee
0.25% to 1.50% of the Loan Amt
0.25% to 1.50%
Nil
Preclosure Chgs
2%, Nil foreclosure charges after 3 months
2%, Nil foreclosure charges after 9 months
Nil
Overdraft Facility
Yes
Yes
Yes
Pay Only Interest Facility
Yes
Yes
Yes
Gold Rate Per Gram
3,066
3,073
3,073

Tips to Get The Highest Agriculture Gold Loan Amount from Pallavan Grama Bank

  • There are many factors by which Agriculture Gold Loan Amount affects.
  • These include Purity of the Gold, Loan to Value Ratio and a lot more.
  • This Loan to Value Ratio includes various things and it is 75% of the Golds Ornaments Market Value.
  • The purity of the Gold ranges from 18-24 carat Golds. The purity of the Gold affects the Price of the Gold.
  • The Price of Gold affects Gold Purity. So if the Price of the Gold Loan increases then the Purity of the Gold increases.