GET GOLD LOAN
AT LOWEST INTEREST RATE

⍟  Highest Rate Per Gram
⍟  Lowest Interest Rate of 0.79% p.m.

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    Pragathi Krishna Gramin Bank Gold Loan

    Pragathi Krishna Gramin Bank Gold Loan Key Features – Apply Now

    Pragathi Krishna Gramin Bank  Gold Loan Collateral Gold ornaments
    Pragathi Krishna Gramin Bank Gold Loan per gram
    ₹ 3,506 to ₹ 4,621, depending on the purity of gold
    Pragathi Krishna Gramin Bank Gold Loan Age of Borrower 18 – 70 years
    Pragathi Krishna Gramin Bank Gold Loan Maximum Loan Amount Up to 10 lakhs
    Pragathi Krishna Gramin Bank Gold Loan Maximum Loan to Gold Value Ratio Up to 80%
    Pragathi Krishna Gramin Bank Gold Loan purity of Eligible gold 18 carat to 22-carat gold
    Pragathi Krishna Gramin Bank Gold Loan Loan Tenure 12 months

    About Pragathi Krishna Gramin Bank Gold Loan

    Advantages of Pragathi Krishna Gramin Bank Gold Loan via Dialabank

    Pragathi Krishna Gramin Bank is a rural bank which was formed on 23 August 2013. The head office of this bank is in Ballari. And, it was formed by merging two Rural Banks namely, Pragathi Gramin Bank sponsored by Canara Bank and Krishna Grameena Bank sponsored by State Bank of India. Finally, the bank covers a wide network of 11 eastern districts of the state of Karnataka. Furthermore, a lot of financial services are made available by this bank to the customers. Like, Personal Loan, Gold Loan, Home loan and many more. Easily overcome your financial hurdles by availing a loan from here. Just Click Here to Apply.

    What is Gold Loan?

    To begin, Gold Loan is an amazing service if you want to fight against your financial problems. In this, the applicant just has to put ornaments of gold in the bank as collateral in return of the loan amount. after, the applicant is able to repay the loan amount, the gold jewellery is given back to the customer. A good number of people avail of this service due to the Gold Loan Interest Rate

    Pragathi Krishna Gramin Bank Gold Loan Benefits

    1. Firstly, Documentation requirements for Pragathi Krishna Gramin Bank Gold Loan are very less in comparison to other services.
    2. Another feature is, Availability of Pragathi Krishna Gramin Bank Gold Loan is great
    3. In addition to this, Credit Score does not matter in this service
    4. Furthermore, Negligible cost of processing a loan
    5. Also, a flexible period of the loan is offered
    6. Moreover, the safety of ornaments is the responsibility of the bank
    7. Last but not least, the system of Pragathi Krishna Gramin Bank Gold Loan is very transparent.

    Advantages of Pragathi Krishna Gramin Bank Gold Loan

    Advantages of Pragathi Krishna Gramin Bank Gold Loan via Dialabank

      • Safety of Gold – The security of your Gold Ornament is more in banks due to the proper security systems, unlike our homes.
      • Fast Process – This is a type of secured loan. Therefore, you can get your gold loan processed in as quick as 30 minutes
      • Overdraft Facility – The applicant has the option of overdraft facility that allows the applicant to enjoy cash flow anytime as per the needs.
      • Low-Interest Rates – Another feature is the rate of interest is very less in comparison to other services provided by the banks and NBFC’s
      • No Processing Charges – Surprisingly, the bank does not charge any extra cost for applying for a Gold Loan.
      • Less Documentation Process – The formalities that are to be complete are very less due to the type of service this is.
      • Flexible Tenure – Last but not least, the applicant can choose the tenure depending upon the need.
      • Foreclosure: The bank charges a borrower up to .50% on the principal outstanding in case of a Gold Loan Foreclosure.

    How Much Can I Get Through Pragathi Krishna Gramin Bank Gold Loan?

    Updated - Gold Loan Per Gram Rate w.e.f Jul 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

    gold loan

     

    Pragathi Krishna Gramin Bank Gold Loan Documents Required

    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)

    Pragathi Krishna Gramin Bank Gold Loan Eligibility

    Pragathi Krishna Gramin Bank Gold Loan

    Being eligible for a gold loan is easier in comparison to other loans:

    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


    gold loan

    Pragathi Krishna Gramin Bank Gold Loan Interest Rates

    Gold Loan Rate
    7% per annum
    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%.

    Pragathi Krishna Gramin 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


    gold loan

    Pragathi Krishna Gramin Bank Gold Loan Apply Online

    To begin with, Dialabank provides the best assistance to the people aspiring for a loan. Nowadays, there are a lot of products available that can confuse the customer to choose The Best option for themselves, therefore we as a company become a mediator to answer all your questions and to provide you with The Best Deals. 

    To apply, go to the Dialabank homepage gold loan link and click on it. Fill up the form and we will give you a call to help you avail of the best offer.

    Besides that, you can easily avail a Gold Loan from us by calling us directly on 9878981144.

    gold loan

    Uses of Pragathi Krishna Gramin Bank Gold Loan

    The loan amount acquired by availing the Pragathi Krishna Gramin Bank Gold Loan service can be used for several purposes such as:

    • To finance personal expenses like a wedding, travel, medical bills, etc.
    • For all your business financial requirements, such as buying raw material, inventory, etc.

    Pragathi Krishna Gramin Bank Agricultural Jewel Loan Scheme

    Scheme Pragathi Krishna Gramin Bank Agricultural Jewel Loan Scheme
    Interest Rate  Starting from
    7% per annum
    (depends on the sum of the loan
    Least amount of Loan Depends on the value of the 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 Pragathi Krishna Gramin Bank Agricultural Jewel Loan Scheme

    • Pragathi Krishna Gramin Bank charges a processing fee of up to ₹ 500
    • Minimum of ₹ 300 charge, that is 0.30% of the loan amount, applies to the amount ranging from above ₹  20,000 – less than ₹ 20 lakh
    • 0.28% of the credit sum, subject to at least Rs.1,500 applies to the amount more than Rs.5 lakh however under Rs.1 crore.

    Pragathi Krishna Gramin Bank Gold Loan Overdraft Scheme

    Pragathi Krishna Gramin Bank offers an Overdraft Scheme. With this, the loan amount is provided as an overdraft facility. It functions as a Credit Card, where you can spend your Gold Loan Amount as per your wishes, anytime anywhere. The overall loan amount will have a Credit/Loan Limit. In the Pragathi Krishna Gramin Gold Loan Overdraft facility, the bank charges interest only on the amount you withdraw/utilize.

    Pragathi Krishna Gramin Bank Gold Loan FAQs

    ✅ What is Pragathi Krishna Gramin Bank Gold Loan?

    Pragathi Krishna Gramin Bank gold loan is a multi-purpose loan that can be used to fulfil any emergency monetary requirements or emergencies. Moreover, the bank also provides Gold Loan at a low rate of interest. 

    ✅ How Can I Get Gold Loan From Pragathi Krishna Gramin Bank?

    You can get a Pragathi Krishna Gramin Bank gold loan by visiting the nearest branch of the bank or applying online through Dialabank‘s digital platform by filling a form with basic information to get the best offers on gold loans.

     ✅How much Gold Loan Can I get per gram from Pragathi Krishna Gramin Bank?

    You can get a Pragathi Krishna Gramin Bank gold loan per gram worth ₹ 3,506 to ₹ 4,621. The rate of the loan per gram of gold depends upon the quality of your gold that is to be pledged by you. It also depends on the market price of gold prevailing in the market.

     ✅ How Does Pragathi Krishna Gramin Gold Loan work?

    You can take a Pragathi Krishna Gramin Bank Gold Loan in few hours and fulfill all your monetary needs. Just visit the nearest Bank branch with your Gold to start your loan application process. The disbursement occurs after verification and valuation of your pledged gold and approval of the application.

    ✅ What is the Gold Loan interest rate in Pragathi Krishna Gramin Bank?

    The interest rate for a gold loan in Pragathi Krishna Gramin Bank starts at

    7% per annum

    ✅ How to check gold loan status in Pragathi Krishna Gramin Bank?

    You can check the gold loan status in Pragathi Krishna Gramin Bank by emailing the bank’s executive and asking them about your application status or by visiting the branch and meeting the loan officer.

    In most cases, the distribution of the loan amount is done on the same day of the approval of the application.

    ✅ What is the loan tenure of the Pragathi Krishna Gramin Bank gold loan?

    The maximum gold loan repayment tenure in Pragathi Krishna Gramin Bank is just 12 months as the gold loan is a quick loan. But you can also renew it by paying a small fee. If you opt for prepayment or foreclosure, your tenure can decrease.

    ✅How to renew Pragathi Krishna Gramin Gold Loan online?

    You can renew your gold loan in Pragathi Krishna Gramin Bank through your presence in the branch as the gold you kept earlier with the bank has to be dealt with. For further information, contact the customer care number or visit the branch directly.

    For renewal, the gold will have to given and re-valued again at the current market prices. You would be charged a small fee and asked to fill a form for this procedure.

    ✅ How to pay Pragathi Krishna Gramin Bank Gold loan interest online?

    You can pay the Pragathi Krishna Gramin Bank Gold loan interest rate online through the bank’s website using net – banking, debit cards, or through the bank’s mobile app. Visit the bank’s website for further information.

    ✅What if I can’t pay the interest on the Pragathi Krishna Gramin Bank Gold loan for 3 months?

    If you fail to pay your Pragathi Krishna Gramin Bank gold loan interest for 3 months, your gold which is given as security will be seized and you will also be served a legal notice. The bank will sell off your jewelry to recover its debt.

    What is the Overdraft Scheme for Pragathi Krishna Gramin Bank Gold Loan?

    Pragathi Krishna Gramin Bank does provide an Overdraft Scheme and the overall loan amount will have a Credit/Loan Limit. In Pragathi Krishna Gramin Bank Gold Loan Overdraft facility, the bank charges interest only on the amount that you will withdraw/utilize.

    What is the Pragathi Krishna Gramin Bank Gold Loan closure procedure?

    Once the loan is paid, the bank will close your gold loan immediately.

    What is the Pragathi Krishna Gramin Bank customer care number?

    9878981144 is the customer care number. 

    ✅ What is Pragathi Krishna Gramin Bank Gold Loan Preclosure charges?

    The bank decides the gold loan preclosure charges. 

     What is the maximum gold loan tenure?

    The maximum Pragathi Krishna Gramin gold loan tenure is up to 36 months

    ✅ What is the minimum gold loan tenure?

    12 months is the minimum gold loan tenure of the Pragathi Krishna Gramin Bank.

    ✅ What are the foreclosure charges of the Pragathi Krishna Gramin Bank Gold Loan?

    Pragathi Krishna Gramin Bank charges an interested borrower up to .50% on the principal amount in case of a Gold Loan Foreclosure.

    Other Major Gold Loan Providers

     
     

     

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