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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 ₹ 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 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 ₹ 3,506 to ₹ 4,621.  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 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 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