⍟  Lowest Interest Rate of 0.79% p.m.
⍟  Highest Rate Per Gram ₹ 5,121
⍟  No Melting of Your Gold
⍟  Get Loan in 1 Visit Only
⍟  100% Safety of Your Gold (kept in Bank Locker)

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Paschim Banga Gramin Bank Gold Loan

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Paschim Banga Garmin Bank Gold Loan Key Features – Apply Now

Paschim Bangla Gramin Bank Gold Loan Interest Rate 7.0% per annum
Paschim Bangla Gramin Bank Gold Loan Rate Per Gram
Rate Per Gram is ₹ 5,121
Paschim Bangla Gramin Bank Processing Fee
0.75% of the Principal Loan Amount
Paschim Bangla Gramin Bank Maximum Loan Amount
Up to Rs. 10 Lakh
Paschim Bangla Gramin Bank Minimum Loan Amount
70% LTV
Paschim Bangla Gramin Bank Gold Prepayment Charges
2%+GST (Within 3 Months), 0 (After 3 months)
Paschim Bangla Gramin Bank Gold Repayment Tenure
Up to 60 Months
Paschim Bangla Gramin Bank Gold Repayment Scheme
Bullet Payment Scheme, Overdraft Scheme

Paschim Banga Gramin Bank Gold Loan

Paschim Banga Gramin Bank (PBGB) is a Premier Regional Rural Bank set up on 26 February 2007  as per RRB Act, 1976 (21 of 1976). Paschim Banga Gramin Bank is set up by the amalgamation of Howrah Gramin Bank, Bardhaman Gramin Bank, and Mayurakshi Gramin Bank. This bank is sponsored by UCO Bank as well as owned by the government of India, Government of West Bengal as well as UCO Bank. Also, a lot of financial services are provided by this bank namely, Gold Loan, Personal Loan, and Home Loan.

Paschim Banga Garmin Bank Gold Loan Interest Rates

In general Loan on Gold, the credit 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 interest rates are less than that of a personal loan or any other kind of loans. Though the gold loan rate keeps on changing with the passage of time as well as person to person. The  Paschim Banga Gramin Gold Loan is available at 1% per month interest rate.
Gold Loan Rate 10.70% p.a.
Repayment Scheme
Bullet Repayment Scheme, Overdraft Scheme
Prepayment Charges 0 – 2 %.
Service Charges variable
Document Charges variable
Gold Valuation Charges variable
Processing Fee 0.85%.

Paschim Banga Garmin Bank Gold Loan Advantages

Advantages of Paschim Bangla Gramin Bank Gold Loan via Dialabank

  1. Paschim Banga Gramin Bank follows a very simple and hassles free process
  2. Faster loan disbursal.
  3. Paschim Banga Gramin Bank Gold Loan requires Minimum documentation.
  4. Improves customer service in a much shorter response turn around time.
  5. 100% safety as well as protection of gold ornaments.
  6. Paschim Bangla Gramin Bank charges 0.50% loan amount as Foreclosure Charges.

Paschim Banga Garmin Bank Gold Loan Eligibility

Age 18-70 years of age
Nationality Indian
Employment Status
Salaried, Self-Employed
Gold Quality, Quantity
Minimum 18 Carats, minimum 10 grams
Requirements
Gold ornaments (18-22 carats)
CIBIL score Above 500

Paschim Banga Garmin Bank Gold Loan Documents

Photographs
2 Passport-Sized latest coloured photos
Identity Proof
Aadhar Card, Passport, PAN Card, etc. (Only 1 is required)
Residence Proof
Aadhar Card, Driving License, Ration Card, etc. In the case of Rented House then the rent agreement or water/electricity bills for the last three months can be considered. (Only 1 is required)
Agricultural Land Proof
Required only if the Loan is taken for Agricultural Purpose. In the case of 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)

Paschim Banga Garmin Bank Gold Loan Process

  • The process for a Paschim Banga Gramin Bank is quite simple.
  • Visit the nearest bank branch along with the gold jewellery or gold coins you want to give as collateral.
  • Collect all the required documents and take them to the bank.
  • Your gold will be valued by the bank
  • The bank will offer you a loan amount. Accept it.
  • Your loan will be disbursed into your account on the same day. The processing fee and other charges will be deducted from it.

How Much Can I Get Through Paschim Banga Garmin Bank Gold Loan?

Paschim Banga Gramin Gold Loan Rates/ Gram – updated January 2021
Weight Loan on 18Cr Gold Loan on 20Cr Gold Loan on 22Cr Gold Loan on 24Cr Gold
1 gm 2460 2742 3025 3307
10 gms 24600 27420 30250 33070
20 gms 49200 54840 60500 66140
30 gms 73800 82260 90750 99210
50 gms 123000 137100 151250 165350
100 gms 246000 274200 302500 330700
200 gms 492000 548400 605000 661400
300 gms 738000 822600 907500 992100
500 gms 1230000 1371000 1512500 1653500

Why Dialabank for online Paschim Banga Gramin Bank Gold Loan?

  • Dialabank makes the application procedure a lot simple for you.
  • If you apply through Dialabank, you can get access to many attractive features.
  • Dialabank does not charge anything for its service.
  • Dialabank allows you to apply for a loan without getting out of your houses.
  • Dialabank provides you with personalized service.

Paschim Banga Garmin Bank Gold Loan Apply Online

  1. Visit Dialabank.
  2. Go to ‘gold loan’ link on the menu on the homepage.
  3. Fill the form.
  4. We will call you.
  5. for queries, call 9878981144.

Paschim Banga Garmin 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

Uses of Paschim Banga Garmin Bank Gold Loan

  • Wedding purposes
  • education purposes
  • agriculture purposes
  • A person can also use this amount of gold loan for business purpose.
  • This amount of loan can also be used to buy a car.
  • Home renovation can also be done by using this amount of gold loan.

Paschim Banga Gramin Bank Agricultural Jewel Loan Scheme

Scheme  Agricultural Jewel Loan Scheme
Interest Rate  Starting from 7% (depends on the sum of the loan
Least amount of Loan Depends on the value of  jewel which is being kept as security
Loan period Adjustment of advance sum inside 2 months from the date of reap of yields

Benefits of Paschim Banga Gramin Bank Agricultural Jewel Loan Scheme

  • There is no processing fee applicable up to ₹ 25,000
  • 0.30% of the loan amount, Minimum of ₹ 300 charge is applicable to the amount ranging from above ₹  25,000 – less than ₹ 5 lakh
  • 0.28% of the credit sum, subject to at least Rs.1,500 is applicable to the amount more than Rs.5 lakh however under Rs.1 crore

Paschim Banga Gramin Bank Gold Loan Overdraft Scheme

Paschim Banga Gramin Bank Offers an Overdraft Scheme. With this, you are provided loan amount as an overdraft facility. It works like a Credit Card, where you can spend your Gold Loan Amount as you want anytime anywhere. The overall loan amount will have a Credit/Loan Limit. In the Paschim Banga Gramin Bank Gold Loan Overdraft facility, the bank charges interest only on the amount you withdraw/utilize.

FAQs for Paschim Banga Gramin Bank Gold Loan 

What is Paschim Banga Gramin Bank Gold Loan?

Paschim Banga Gramin Bank Gold Loans are secured loans that come with quick disbursement to meet your urgent financial needs. Gold Loan from Paschim Banga Gramin Bank can be availed at attractive interest rates for a flexible tenure.

How much Gold Loan can I get per gram in Paschim Banga Gramin Bank?

The Paschim Banga Gramin Bank gold loan rate per gram depends upon the quality and the market price of the gold. The bank gives you about 70% funding of the total market value of your gold.

What is the Gold Loan interest rate in Paschim Banga Gramin Bank?

The interest rate charged on Paschim Banga Gramin Bank Gold Loan starts from 10.70% per annum depending on your loan amount. This interest rate can go up to 25%.

How to pay Paschim Banga Gramin Bank Gold Loan online?

You can pay for your Paschim Banga Gramin Bank Gold Loan in easy monthly instalments or through post-dated cheques.

How to apply for Gold Loan in Paschim Banga Gramin Bank?

You can apply for Paschim Banga Gramin Bank Gold Loan either by visiting the branch or through Dialabank to get the best deals and offers. You just need to fill a form and submit it with the required documents.

How to renew Paschim Banga Gramin Bank Gold Loan online?

To renew your Paschim Banga Gramin Bank Gold Loan you will be required to visit the loan branch with your loan documents and apply for a renewal. A renewal fee may be charged and after revaluation of your gold, your loan will be renewed.

How to take Gold Loan from Paschim Banga Gramin Bank?

To take a gold loan from Paschim Banga Gramin Bank, visit the nearest branch with your gold and documents. Accept the offer made by the bank. Sign an agreement and your loan will be sanctioned in 5 minutes.

How to check Paschim Banga Gramin Bank Gold Loan status?

Checking the status of your Paschim Banga Gramin Bank gold loan application can be done by visiting the home branch and contacting the loan officer associated with your file or call on the toll-free helpline number.

What happens if someone defaults Paschim Banga Gramin Bank Gold Loan?

Defaulting on your Paschim Banga Gramin Bank Gold Loan will decrease your credit score and will also give the legal rights to the bank to auction your Gold and recover the money.

✅How can I apply for the EMI moratorium on the Paschim Banga Gramin Gold loan?

To apply for a Paschim Banga Gramin Bank gold loan EMI moratorium, visit the nearest bank branch or the bank’s website. A moratorium is a predefined period wherein you are not liable to repay your loan.

What is Paschim Banga Gramin Bank Gold Loan Overdraft Scheme

Paschim Banga Gramin Bank Overdraft Scheme comes with a Credit Card, letting the borrower spend the Gold Loan Amount as they wish to. The overall loan amount will have a Credit/Loan Limit. In Dena Bank Gold Loan Overdraft facility, the bank charges interest only on the amount you withdraw/utilize.

What is the foreclosure procedure for Paschim Banga Gramin Bank Gold Loan?

Paschim Banga Gramin Bank asks a borrower to pay 0.50% for Gold Loan Foreclosure.

What is the Paschim Banga Gramin Bank Gold Loan closure procedure?

The Gold loan will close after the payment is done in full.

✅ What is Paschim Banga Gramin 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 Paschim Banga Gramin Bank gold loan tenure is 36 months.

 What is the minimum gold loan tenure?

The minimum gold loan tenure is 6 months for Paschim Banga Gramin Bank.

What is the customer care number for Paschim Banga Gramin Bank Gold Loan?

All the queries regarding Paschim Banga Gramin Bank is answered at 9878981144 .

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