⍟  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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Rajasthan Marudhara Gramin Bank Gold Loan

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Rajasthan Marudhara Gramin Bank Gold Loan Key Features – Apply Now

Rajasthan Marudhara Gramin Bank Gold Loan Interest Rate Starting 7.0% per annum
Rajasthan Marudhara Gramin Bank Gold Loan Rate Per Gram Rate Per Gram Today is ₹ 5,121
Rajasthan Marudhara Gramin Bank Gold Requirement 18 Carat – 22 carat
Rajasthan Marudhara Gramin Bank Gold Loan Processing Fee 1% of the Principal Loan Amount
Rajasthan Marudhara Gramin Bank Maximum Loan Amount Up to Rs. 10 lakh
Rajasthan Marudhara Gramin Bank Minimum Loan Amount Up to 70%
Rajasthan Marudhara Gramin Bank Prepayment Charges 2%+GST (Within 3 Months), 0 (After 3 months)
Rajasthan Marudhara Gramin Bank Repayment Tenure 6 Months to 60 Months
Rajasthan Marudhara Gramin Bank Gold Loan Schemes Bullet Payment Scheme, EMI Scheme

Rajasthan Marudhara Gramin 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

Rajasthan Marudhara Gramin Bank Gold Loan

Rajasthan Marudhara Gramin Bank Gold Loan

Regional rural banks Rajasthan was set up in  01 st April 2014. The license issued by the Government of India, Ministry of Finance as well as Department of Economic Affairs (Banking Division) u/s 23A of RRB Act 1976.

The erstwhile Marudhara Gramin Bank and Mewar Aanchalik Gramin Bank were amalgamated into one entity, and a new bank is known as Rajasthan Marudhara Gramin Bank, sponsored by SBI having its head office at Jodhpur city in state Rajasthan.

About Gold Loan

Gold Loan is a secured service that helps people to cope up with the financial problems of life. In this, the loan seeker has to put ornaments of gold in the bank in return of money. As soon as, the applicant gives back the loan amount, the decorations are given back to the customer in the same shape. Most of the people avail of this service because the Gold Loan Interest Rates are quite affordable in contrast to other services.

Advantages of Rajasthan Murudhara Gramin Bank Gold Loan 

Advantages Rajasthan Marudhara Gramin Bank Gold Loan Via Dialabank

  1. Gold Loan at Rajasthan Marudhara Gramin Bank is easy to apply for. 
  2. For any eligible borrower, the loan can be approved within 30 minutes.
  3. After the approval, the borrower needs to get their documents verified. 
  4. The bank offers low rates of interest.
  5. The documentation process comes easy and simple for Rajasthan Murudhara Gramin Bank Gold Loan.
  6. Different forms of Gold ornaments are accepted to avail the gold Loan. 
  7. Rajasthan Marudhara Gramin Bank asks from a borrower up to 0.50% of the principal amount as Gold Loan Foreclosure charges.

Rajasthan Marudhara Gramin Bank Gold Loan Interest Rate

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 Rajasthan Marudhara Gramin Bank Gold Loan is available at 1% per month interest rate.

Gold Loan Rate 7% 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%.

Rajasthan Marudhara Gramin Bank Gold Loan Documentation

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)

How Much Can I Get Through Rajasthan Marudhara Gramin Bank Gold Loan?

Rajasthan Marudhara Gramin Bank 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 2444 2726 3009 3291
10 gms 24440 27260 30090 32910
20 gms 48880 54520 60180 65820
30 gms 73320 81780 90270 98730
50 gms 122200 136300 150450 164550
100 gms 244400 272600 300900 329100
200 gms 488800 545200 601800 658200
300 gms 733200 817800 902700 987300
500 gms 1222000 1363000 1504500 1645500

Why should Farmers choose Rajasthan Marudhara Gramin Bank Gold Loan?

Gold Loan is a good service for the farmers. Because, if the loan amount has to be used for farming purposes. Then, the banks provide a further discount on the interest rates. Therefore, the farmers can avail the service of the gold loan at a discount of 1% on the interest rate. Finally, if you want to use the loan amount for agricultural purposes and you have gold jewellery then, Gold Loan is the best option for you.

Rajasthan Marudhara Gramin Bank Gold Loan Process

The process is quite easy to understand:

  • Visit the website of the bank and check your eligibility.
  • If you are eligible, apply on the website itself.
  • To apply offline, take the necessary documents and gold jewellery/ coins to the nearest bank branch.
  • The bank will value your gold for which it will charge you.
  • The bank will offer you a loan amount. If you think it is suitable for you, accept it.
  • Sign an agreement.
  • Your loan will be disbursed on the same day.

Rajasthan Marudhara Gramin Bank Gold Loan Apply Online

  • Go to the Dialabank website.
  • Apply for a gold loan by clicking on the gold loan option on the menu and filling the provided form.
  • After some time, you will find loan offers listed by us in your inbox.
  • We will call you and help you choose the best one.

For more information, call us at 9878981144.

Rajasthan Marudhara 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

Uses of Rajasthan Marudhara Gramin Bank Gold Loan

The funds acquired by availing the Rajasthan Marudhara Gramin Bank Gold Loan service can be used for several purposes such as:

  • To finance any personal expenses such as a wedding, travel, payment of higher education fees, etc.
  • For all your business needs, such as buying raw material, expansion of business, etc.
  • You can also avail a Gold Loan for agricultural purposes. The bank offers lower rates of interest for Gold Loans that are used for agriculture or allied activities.

Rajasthan Marudhara Gramin 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 Rajasthan Marudhara Gramin Bank Agricultural Jewel Loan Scheme

  • Axis Bank does not charge a huge processing fee
  • For 0.30% of the loan amount, Minimum of ₹ 300 is charged ranging for 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

Rajasthan Marudhara Gramin Bank Gold Loan Overdraft Scheme

The loan amount is provided under the overdraft scheme. The Gold Loan Amount works as a credit card and can be spent as per the choice of the borrower. Though the overall loan amount has a Credit/Loan Limit. The interest is only charged on the amount used.

FAQs about Rajasthan Marudhara Gramin Bank Gold Loan

What is Rajasthan Marudhara Gramin Bank Gold Loan?

Rajasthan Marudhara Gramin Bank gold loan avails high funding to the customer against Gold Loan. Furthermore, the bank provides Gold Loan at a low rate of interest. It is a safe and secure method and the bank takes full responsibility for the safety of your gold ornaments.

How much Gold Loan can I get per gram in Rajasthan Marudhara Gramin Bank?

The Rajasthan Marudhara Gramin Bank gold loan rate per gram of gold depends on the purity of the gold that is to be pledged in the bank and the market price of the gold. The funding offered by the bank is up to 70% of the collateral value.

What is the Gold Loan interest rate in Rajasthan Marudhara Gramin Bank?

Rate of Interest charged by the bank on Rajasthan Marudhara Gramin Bank Gold Loan depends on the amount of the loan that is borrowed and the quality of the gold to be pledged. The rate of interest starts at 7% per annum.

How to pay Rajasthan Marudhara Gramin Bank Gold Loan online?

You can pay the Rajasthan Marudhara Gramin Bank Gold Loan EMI online through a standing instruction on your Rajasthan Marudhara Gramin Bank account or an ECS on some other bank account to automatically deduct the amount. You also have some other offline options to pay the amount.

How to apply for Gold Loan in Rajasthan Marudhara Gramin Bank?

You can apply for the Rajasthan Marudhara Gramin Bank Gold Loan by visiting the branch of the bank with basic identity proofs and gold for valuation. You can apply also online at Dialabank digital platform.

How to take Gold Loan from Rajasthan Marudhara Gramin Bank?

Taking Gold Loan from Rajasthan Marudhara Gramin Bank is a simple and hassle-free process. Just submit the documents and your gold jewellery to the bank and the bank will offer you the loan if your jewellery’s quality is up to the mark, your documents are in order, and you match the eligibility criteria. The loan is disbursed in a few hours.

How to check Rajasthan Marudhara Gramin Bank Gold Loan status?

Checking the status of your Rajasthan Marudhara Gramin Bank gold loan can be done by visiting the branch and contacting the loan officer. You can also email the bank for checking the status from the comfort of your home.

How to renew Rajasthan Marudhara Gramin Bank Gold Loan?

Renewal of Rajasthan Marudhara Gramin Bank Gold Loan is a simple and hassle-free process wherein you just need to reach the branch of the bank with all loan-related documents and get the gold kept as security evaluated according to the new prices.

What happens if someone defaults Rajasthan Marudhara Gramin Bank Gold Loan?

If you cannot pay for the Rajasthan Marudhara Gramin Bank gold loan, the bank charges a penalty fee from the borrower and this reflects in your credit score which affects your loan taking capacity.

✅How can I apply for the EMI moratorium on the Rajasthan Marudhara Gramin Gold loan?

You can apply for a Rajasthan Marudhara Gramin Bank gold loan EMI moratorium if you want a ‘repayment holiday’. Applying for a moratorium is extremely easy and you can do it by visiting the bank branch or its website. This option isn’t available less than 5 days before the EMI payment date.

What is the Overdraft Scheme for Rajasthan Marudhara Gramin Bank Gold Loan?

The Bank’s Overdraft Scheme has a Credit/Loan Limit. It charges interest on the amount withdrawn/utilized.

What is the Rajasthan Marudhara Gramin Bank Gold Loan closure procedure?

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

What is the Rajasthan Marudhara Gramin Bank customer care number?

9878981144  is the customer care number for Rajasthan Marudhara Gramin Bank Gold Loan.

✅ What is Rajasthan Marudhara 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 gold loan tenure is 60 months.

 What is the minimum gold loan tenure?

The minimum gold loan tenure is 6 months.

What is the foreclosure procedure for Rajasthan Marudhara Gramin Bank Gold Loan?

The Bank charges the customer up  to 0.50% on the key principal amount if there is any Gold Loan Foreclosure.

Other Major Gold Loan Providers

 

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