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    Sarva Haryana Gramin Bank Gold Loan Per Gram

    Sarva Haryana Gramin Bank Gold Loan Per Gram Today is ₹ 3,506 to ₹ 4,621

    Gold Loan Interest Rate Starting 7.0% per annum
    Gold Loan Rate Per Gram Rate Per Gram Today is ₹ 3,506 to ₹ 4,621
    Gold Requirement Minimum 18 Carat
    Minimum Loan Amount Rs. 18,000
    Maximum Loan Amount Up to Rs. 1 Crore
    Prepayment Charges 2%+GST (Within 3 Months), 0 (After 3 months)
    Repayment Tenure 12 Months to 48 Months
    Gold Loan Schemes Bullet Payment Scheme, EMI Scheme

    In the year 2017, Sarva Haryana Gramin Bank was founded. After the merger of two banks, Haryana Gramin Bank and Gurgaon Gramin Bank, this bank was established. The bank’s headquarters are now in Rohtak. In addition, the bank is present in all 22 districts of Haryana. Furthermore, the bank operates a 650-branch network in Haryana. This bank provides a wide range of financial services. A Jewel Loan is one of them.

    Gold Loan Calculator Sarva Haryana Gramin Bank

    Dialabank’s Gold Loan Calculator estimates the amount of gold loan you can get based on the factors below.

    • The bank’s in-house valuer will determine the purity and net weight of gold in your jewellery. The gold used in the jewellery should have a purity of 18 to 24 carats.
    • The bank will deduct the weight of gems and stones from the total weight of the jewellery to determine the net weight.
    • After determining the purity and net weight of gold in your jewellery, the valuer multiplies it by the current gold price to determine its value.
    • To assess your jewel loan sum eligibility, the bank will use an LTV of up to 75%.

    Sarva Haryana Gramin Bank Gold Loan Rate Per Gram by Gold Purity

    The table below shows an estimation of the gold loan per gram that the bank would sell against various purity levels of gold jewellery at a maximum LTV of 75 per cent and a lower LTV of 65 per cent.

    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

    Sarva Haryana Gramin Bank Gold Loan Rates Per Gram

    A gold loan from Sarva Haryana Gramin Bank is a loan with reasonable interest rates that vary depending on the amount borrowed.

    Updated - Gold Loan Per Gram Rate w.e.f Jun 21 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

    Gold is a valuable metal. Gold has emotional, cultural, and financial quality, and people buy it for a variety of reasons all over the world. Gold loans are the fastest and most convenient way to obtain funds for a company or personal needs.

    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

    Gold Loan Per Gram Rate Comparison for Major Banks

    Feature
    Manappuram
    Axis Bank
    Yes Finance
    Interest Rate
    9.90%
    12.50%
    9.99%
    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
    3,124
    3,073
    3,069

    Tips to getting Best Gold Loan Amount Per Gram from Sarva Haryana Gramin BankSarva Haryana Gramin Bank

    • For a gold loan, the bank accepts both hallmarked and non-hallmarked jewellery.
    • Some banks, on the other hand, charge lower transaction fees for hallmarked gold jewellery.
    • Borrowing against higher purity jewellery will still get you the most money for a gold loan.
    • Choose jewellery with the fewest gems and stones possible. The weight of gems and stones will be deducted from the overall weight of the jewellery by the majority of banks.
    • If the gold used in the jewellery is less than 18-carat purity, the Bank will not allow it.
    • The RBI allows the bank to measure the amount of gold loan you are eligible for using a maximum LTV of up to 75%.


    gold loan at 7%

    हिंदी में पढ़े | தமிழில் படியுங்கள்

    Example: The loan sum is determined by the purity of gold, the LTV, and the weight of gold. Assume Mr Ram and his two mates, Mr Kesav and Mr Ashwith, each own differing quantities of gold of various purity. Mr Ram owns 70 grammes of gold with an 18-carat purity. Mr Kesav has 60 grammes of gold that is 20 carats pure, while Mr Ashwith has 50 grammes of gold that is 22 carats pure. They apply for a gold loan. The price used to determine their gold loan sum eligibility based on a maximum LTV of 75% would vary depending on the purity of gold, resulting in different gold loan eligibility.

    Carats / Weight Of Gold Gold Weight (In Gm) Purity Of Gold (In Carat) Gold Loan Eligibility
    Mr Ram 70 18 ₹ 2.60 Lakhs
    Mr Kesav 60 20 ₹ 2.48 Lakhs
    Mr Ashwith 50 22 ₹ 2.27 Lakhs

    Mr Ashwith, who has the smallest gold weight of 50gm, will receive the lowest gold loan rate of 2.27 Lakh from the Bank, as seen in the illustration above. Since Mr Ram has more gold weight, the Bank will give him the highest gold loan sum of Rs 2.60 lakh in the same example.