Sarva Haryana Gramin Bank Gold Loan

AT 0.49%* INTEREST RATE
APPLY NOW

    I have read the Privacy Policy & Agree to Terms & Conditions.

    Sarva Haryana Gramin Bank Gold Loan

    Sarva Haryana Gramin Bank Gold Loan Key Features – Apply Now

    Sarva Haryana Gramin Bank Gold Loan Interest Rate Starting 5.88% per annum
    Sarva Haryana Gramin Bank Gold Loan Rate Per Gram Rate Per Gram Today is ₹ 2,900 to ₹ 3,450
    Sarva Haryana Gramin Bank Gold Requirement Minimum 18 Carat
    Sarva Haryana Gramin Bank Minimum Loan Amount Rs. 18,000
    Sarva Haryana Gramin Bank Maximum Loan Amount Up to Rs. 1 Crore
    Sarva Haryana Gramin Bank Prepayment Charges 2%+GST (Within 3 Months), 0 (After 3 months)
    Sarva Haryana Gramin Bank Repayment Tenure 12 Months to 48 Months
    Sarva Haryana Gramin Bank Gold Loan Schemes Bullet Payment Scheme, EMI Scheme

    About Sarva Haryana Gramin Bank Gold Loan

    Sarva Haryana Gramin Bank was established in the year 2017. This bank was formed after the merger of two banks Haryana Gramin Bank and Gurgaon Gramin Bank. Now, the bank has its head office in Rohtak. Furthermore, the bank operates in all 22 districts of the state of Haryana. Moreover, the bank has a wide network of 650 branches in the state of Haryana. There are a lot of financial facilities provided by this bank. One of them is a  Jewel Loan.

    Advantages of Sarva Haryana Gramin Bank Gold Loan

    • Great Availability: First and foremost, Loan against gold is a secured service, therefore the processing of this loan is quick as the bank is mostly concerned with the quality and weight of the gold.
    • Negligible foreclosure charges: Generally, banks do not have any prepayment charges but some banks can charge a penalty of just 1%.
    • Safety of Ornaments: Moreover, The ornaments are more secure with the banks due to the strict security In the banking institutions which is quite less at homes.
    • No qualification of Credit Score: As Sarva Haryana Gramin Bank Gold Loan is a secured loan, therefore, the applicant does not have to worry about bad loan repayment history.
    • Low Rate of Interest: In contrast to services like personal loans, the Gold Loan Interest Rate is the least as banks keep security against the loan.
    • Income-proof not required: Also, The salary of an applicant is not an issue for availing a gold loan as it depends majorly on the weight and quality of gold available with the applicant.
    • No loan processing charges: Another advantage is that the applicant does not have to pay extra for this service as the approval solely depends upon the asset kept as security.
    • Flexible tenure: In addition to other advantages,  the applicant can choose the tenure of the loan according to their requirements and needs.
    • Only payment of interest: Lastly, the applicant has the option to pay the principal amount at the end of the tenure and only the interest every month.
    • Foreclosure: 0.50% of the principal amount comes under foreclosure charges.

    How Much Can I Get Through Sarva Haryana Gramin Bank Gold Loan – updated January 2021

    Sarva Haryana 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 2453 2735 3018 3300
    10 gms 24530 27350 30180 33000
    20 gms 49060 54700 60360 66000
    30 gms 73590 82050 90540 99000
    50 gms 122650 136750 150900 165000
    100 gms 245300 273500 301800 330000
    200 gms 490600 547000 603600 660000
    300 gms 735900 820500 905400 990000
    500 gms 1226500 1367500 1509000 1650000

    Sarva Haryana 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

    Sarva Haryana Gramin Bank Gold Loan At Home

    Gold Loan at House is a doorstep loan service that allows you to borrow money from the convenience of your own home. The service is rapid, flexible, and cost-effective because interest rates are low. You can use the gold loan calculator to assess the value of your gold or the loan amount before completing a loan request. Obtaining a Gold Loan at home is an easy and quick process that can be done in a matter of minutes.

    Within 30 minutes, one of our employees will contact you and arrive at your home. When all e-documentation and gold identification are completed at your residence, the appropriate gold loan amount will be sent directly to your bank account.

    Furthermore, there are many benefits of Sarva Haryana Gramin Bank Gold Loan at Home:

    • Fast loan approval
    • Lower interest rates
    • Maximum value of gold
    • Flexible repay tenures
    • Easy payment options
    • No additional charges
    • 24*7 customer support
    • Full security of the gold
    • No hidden fees
    • Service at your doorstep within 30 minutes

    Documents Required for Sarva Haryana Gramin Bank Gold Loan

    Sarva Haryana Gramin Bank Gold Loan

    Apart from the below-mentioned documents, the bank might ask you to submit some other documents. These are only the commonly required ones.

    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)

    Sarva Haryana Gramin Bank Gold Loan 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%.

    Sarva Haryana 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

    How to Apply for Sarva Haryana Gramin Bank Gold Loan?

    To Apply for a Sarva Haryana Gramin Bank gold loan, visit the Dialabank website and check your eligibility. If you are eligible, go to the homepage and click on the gold loan option. Fill up your details in the space provided. You will find some shortlisted offers in your inbox after a short while. Our experts will then give you a call and help you through the process.

    To clear up any queries, call us on 9878981144

    Use of Sarva Haryana Gramin Bank Gold Loan

    The Sarva Haryana Gramin Gold Loan can be used for a multitude of purposes.

    • To finance any personal expenses like a wedding, a travel expenditure, payment of fees, etc.
    • The money can be used for taking care of business expenditures.
    • You can also avail Gold Loan for agricultural purposes. Sarva Haryana Gramin Bank offers the Lowest gold loan interest rates taken to fulfill agriculture or allied activities.

    Sarva Haryana Bank Agricultural Jewel Loan Scheme

    Scheme Agricultural Jewel Loan Scheme
    Interest Rate  Starting from 5.88% per annum (depends on the sum of the loan
    Least amount of Loan Depends on the value of  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 Sarva Haryana Bank Agricultural Jewel Loan Scheme

    • There is no arranging cost is appropriate up to ₹ 25,000
    • 0.30% of the credit aggregate, Minimum of ₹ 300 charge is material to the complete going from above ₹  25,000 – not really ₹ 5 lakh
    • 0.28% of the credit complete, subject to at any rate Rs.1,500 is proper to the total more than Rs.5 lakh regardless under Rs.1 crore

    Sarva Haryana Gramin Bank Gold Loan Overdraft Scheme

    With this, you are given the loan amount total as an overdraft office. It works as a Credit Card, where the money is spend as you need it. The general advancement aggregate will have a Credit/Loan Limit. The Bank Gold Loan Overdraft office, charges pay essentially on the complete you pull out/use.

    FAQ’s About Sarva Haryana Gramin Bank Gold Loan

    What is Sarva Haryana Gramin Bank Gold Loan?

    Sarva Haryana Gramin Bank gold loan is a loan provided at competitive rates of interest which depends on the amount of the loan to be borrowed. You can Gold Loan to fulfil any expenses whether leisure (travel, wedding, etc.) or professional (business use). The bank also provides easy repayment options.

    How much Gold Loan can I get per gram in Sarva Haryana Gramin Bank?

    Sarva Haryana Gramin Bank per gram gold loan rate varies as the gold price in the market varies. The bank gives you loans at a low rate of interest where you can get about 70% of your market value of the gold. The total amount depends upon the quality of your gold that is to be pledged by the borrower.

    What is the Gold Loan interest rate in Sarva Haryana Gramin Bank?

    The rate of interest charged on Sarva Haryana Gramin Bank gold loan is usually 5.88% per annum and can go up to 13%.

    How to pay Sarva Haryana Gramin Bank Gold Loan online?

    The Sarva Haryana Gramin Bank provides various online gold loan repayment methods which are convenient and fast. You can visit the branch for more details.

    How to apply for Gold Loan in Sarva Haryana Gramin Bank?

    Application for the Sarva Haryana Gramin Bank Gold Loan can be done offline by visiting the bank or online through its portal. If you apply through Dialabank, the process will be much more facile and you will get personalized assistance. You need minimal documentation and gold ornaments that are to be kept as security with the bank against the loan amount.

    How to take Gold Loan from Sarva Haryana Gramin Bank?

    Sarva Haryana Gramin Bank gold loan can be taken by applying in person by visiting the nearest branch or online. After checking your eligibility ad submitting your documents, your collateral will be valued and weighed. An offer will be made to you. Once you accept the best offer, the loan amount will be sanctioned.

    How to check Sarva Haryana Gramin Bank Gold Loan status?

    You can check the status of your Sarva Haryana Gramin Bank Gold Loan by contacting your Sarva Haryana Gramin Bank branch either in person or through customer care number. Once you provide the bank with your application details, your loan officer will help you trace your loan.

    How to renew Sarva Haryana Gramin Bank Gold Loan?

    Renewal of your Sarva Haryana Gramin Bank Gold Loan can be done by visiting the branch personally with all the loan-related documents. The gold will be released and then revalued as per the prevailing prices in the market. Upon agreement of new terms, your loan will be renewed.

    What happens if someone defaults Sarva Haryana Gramin Bank Gold Loan?

    If someone defaults with repayment of the Sarva Haryana Gramin Bank Gold Loan, the bank will first serve you with legal notices and warnings. If you continue to falter at your payments, your gold will be seized and sold off. Your credit score will take a hit.

    ✅How can I apply for the EMI moratorium on the Sarva Haryana Gramin Bank Gold loan?

    You can apply for a Sarva Haryana Gramin Bank gold loan EMI moratorium only until 5 days before the EMI payment date. You can apply by providing the bank with your loan details online or by visiting the branch.

    What is an overdraft scheme for Sarva Haryana Gramin Bank Gold Loan?

    In the Sarva Haryana Gramin Bank Gold Loan Overdraft office, the bank charges pay essentially on the complete you pull out/use.

    What is the customer care number for Sarva Haryana Gramin Bank Gold Loan?

    Call at 9878981144 for any query.

    What is the foreclosure procedure for Sarva Haryana Gramin Bank Gold Loan?

    Sarva Haryana Gramin Bank charges .50% on the principal amount if there should be an event of a Gold Loan Foreclosure.

    What is the Sarva Haryana Gramin Bank Gold Loan closure procedure?

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

    ✅ What is Sarva Haryana 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 48 months.

     What is the minimum gold loan tenure?

    The minimum gold loan tenure is 12 months.

    Other Major Gold Loan Providers

    Table of Contents