Sarva Haryana Gramin Bank Agriculture Gold Loan

AT 0.49%* INTEREST RATE
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    Sarva Haryana Gramin Bank Agriculture Gold Loan

    Sarva Haryana Gramin Bank  Agriculture Gold Loan Features & Benefits

    Sarva Haryana Gramin Bank Agriculture Gold Loan  Today Gold Loan Rate Per Gram Today is ₹ 2,900 to ₹ 3,450
    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 jewellery and gold coins of 18-24 carats
    Loan to Value Ratio 25% of the gold ornament’s market value

    The Agricultural Gold Loans in Sarva Haryana Gramin Bank is of ₹ 2,900 to ₹ 3,450.  The Loan to Value Ratios in these Sarva Haryana Gramin Bank is also varying and it is up to 75%. 

    Sarva Haryana Gramin Bank Agriculture Gold Loan Calculator

    • Dialabank Sarva Haryana Gramin Bank Agriculture Gold Loan Calculators has various factors that are used in Gold Loans.
    • Gold Loan Purity is used in Agriculture Gold Loan Sarva Haryana Gramin Bank.
    • These banks include various Gold Prices. The Prices of Gold is based on Purity and the Gold Rates in the other banks.
    • And the Sarva Haryana Gramin Bank has various other factors like the Gold Loan to Value Ratio.
    • This Gold Loan to Value Ratio is 25-75% of the Gold. But it can vary based on the banks.

    Sarva Haryana Gramin Bank Agriculture Gold Loan Eligibility

    Salaried Individual Age – 21 years to 60 years
    Net Monthly Income – Minimum ₹ 20,000
    Employment Duration – 1-year minimum
    Income Eligibility – Based on Form 16 and salary slip
    Self-Employed Individuals Age – 21-65 years of age
    Minimum ITR  – Rs.2 lakh
    Employment Duration – Minimum 3 years
    Income Eligibility – Depends on the latest Income Tax Returns
    Self-Employed Non-Individuals (Company/Partnership) Minimum ITR  – Rs. 2 lakh
    Employment Duration – 3 years minimum
    The applicant has to present IT returns and audited financials of 2 years with Calculated Income.
    Priority Customers At least 6-month vintage
    Average Quarterly Balance – 2 quarters balance at a minimum of Rs.1 lakh
    Maximum Loan Amount –  3 times the Average Quarterly Balance of the last 2 Quarter

    Documents Required for Sarva Haryana Gramin Bank Agriculture Gold Loan

    Category Documents Required
    Identity Proof

     

    (Any 1)

    Passport
    Voter ID
    Aadhar Card
    Driving License
    Address Proof

     

    (Any 1)

    Aadhar Card
    PAN
    Driving License
    Electricity Bill
    Date of Birth Proof

     

    (Any 1)

    Passport
    Birth Certificate
    High School Marksheet
    Driving Licence
    Signature Proof

     

    (Any 1)

    PAN
    Bankers Verification
    Passport
    Income Proof Salary Slip and latest Form No.16
    Bank Statement Last 6 month Bank statement
    Employment Continuity Proof Job card by NREGA
    ITR of Form no. 16
    Salary Slip mentioned with joining date
    Letter of Appointment

    Sarva Haryana Gramin 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 Sarva Haryana Gramin Bank Agriculture Gold Loan Per gram Rates by Gold Purity.

    Sarva Haryana Gramin Bank Agriculture Gold Loan Interest Rates Per Gram

    The following table shows the Agriculture Gold Lon Interest Rates Per Gram in Sarva Haryana Gramin Bank – Updated Jun 30 2022

    Updated - Gold Loan Per Gram Rate w.e.f Jun 30 2022

    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 1965 - 2022
    Year Price (24 karat per 10 grams) Year Price (24 karat per 10 grams)
    2022 ₹ 52,950 1993 ₹ 4,140
    2021 ₹ 50,045 1992 ₹ 4,334
    2020 ₹ 48,651 1991 ₹ 3,466
    2019 ₹ 35,220 1990 ₹ 3,200
    2018 ₹ 31,438 1989 ₹ 3,140
    2017 ₹ 29,667 1988 ₹ 3,130
    2016 ₹ 28,623 1987 ₹ 2,570
    2015 ₹ 26,343 1986 ₹ 2,140
    2014 ₹ 28,006 1985 ₹ 2,130
    2013 ₹ 29,600 1984 ₹ 1,970
    2012 ₹ 31,050 1983 ₹ 1,800
    2011 ₹ 26,400 1982 ₹ 1,645
    2010 ₹ 18,500 1981 ₹ 1,800
    2009 ₹ 14,500 1980 ₹ 1,330
    2008 ₹ 12,500 1979 ₹ 937
    2007 ₹ 10,800 1978 ₹ 685
    2006 ₹ 8,400 1977 ₹ 486
    2005 ₹ 7,000 1976 ₹ 432
    2004 ₹ 5,850 1975 ₹ 540
    2003 ₹ 5,600 1974 ₹ 506
    2002 ₹ 4,990 1973 ₹ 279
    2001 ₹ 4,300 1972 ₹ 202
    2000 ₹ 4,400 1971 ₹ 193
    1999 ₹ 4,234 1970 ₹ 184
    1998 ₹ 4,045 1969 ₹ 176
    1997 ₹ 4,725 1968 ₹ 162
    1996 ₹ 5,160 1967 ₹ 103
    1995 ₹ 4,680 1966 ₹ 84
    1994 ₹ 4,598 1965 ₹ 72

    Major Banks Agriculture Gold Loan Per Gram Rate Comparison

    Feature HDFC Bank SBI
    Muthoot Finance
    Interest Rate 9.90% onwards 7% onwards 12% onwards
    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
    Pre-closure Charges 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 3066 3073 3073

    Tips to Get The Highest Agriculture Gold Loan Amount from Sarva Haryana Gramin Bank

    • There are many factors that affect the Highest Agriculture Gold Loan Amount from Sarva Haryana Gramin Bank.
    • There are things like the Gold Loan Price. The Gold Price is used for Gold Purity.
    • If your Purity of the Gold is high then the Price will be high. otherwise, the price is low. And the Gold Loan to Value ratio is 75% in the Gold Loans.
    • The Agriculture Gold Loan has various Prices and Purity of Gold Loans. These Gold Loans has various Interest Rates in the