Sarva Haryana Gramin Bank Gold Loan

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Unlock the Real Value of your Gold

Rates as low as 1% p.m.
Get Money in 30 Mins
Loan Amount Up to 1 Crore
Loan Tenure Up to 48 Months
Unbiased Experts Advice

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 Gold Loan.

Sarva Haryana Gramin Bank Gold Loan Features

  • 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 Rates are 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.

Sarva Haryana Gramin Bank Gold Loan Eligibility

  1. First and foremost, the gold should be in the name of the applicant or family member.
  2. Secondly, the applicant should be a resident of India.
  3. Thirdly, The age should lie in between 18-70 years group.
  4. Next, the minimum loan amount is 18000 Rupees, and it can go up to 1 Crore depending upon the quality of gold.
  5. Last but not least, Sarva Haryana Gramin Bank Gold Loan is a service with the best rate of interest.

Documents Required for Sarva Haryana Gramin Bank Gold Loan

Sarva Haryana Gramin Bank Gold Loan

  • Proof of Adress of Applicant: The applicant has to particularly choose from: Aadhar Card /Pan Card/Valid Driving License/ Ration Card/ Utility Bills on the name of applicant/ Rental Agreement of applicant/ Voter ID card.
  • Proof of Identity: The document for proof of identity should be specifically from one of the following: Aadhar Card/ Pan Card/ Driving License/ Voter ID Card
  • Signature Proof: The documents considered for proof of signature are namely, Bank’s Verification document/ Valid Passport.
  • Besides the above requirements, the applicant needs 2 passport size colored photographs.

Sarva Haryana Gramin Bank Gold Loan Interest Rate

  1. First of all, The interest rate of Sarva Haryana Gramin Bank Gold Loan starts at 10.5%-12% p.a.
  2. Next, The financial organizations provide these loans for 1 to 4 years.
  3. Finally, The pre-closure charges are in between 0% to 2% of the value of the loans.

How to Apply for Sarva Haryana Gramin Bank Gold Loan?

In order to apply at the comfort of your home, follow the steps:

  1. To begin with, you can easily Apply Online through our website.
  2. Next, the loan seeker has to fill a form Online with current information.
  3. After this, you will get a call from our Relationship Manager to clear all doubts and to assist you in the entire process of the loan.
  4. After this, you can check your eligibility for further clarification of the approval of a loan.
  5. Furthermore, submit all the documents required as proofs in the banks.
  6. Finally, Sarva Haryana Gramin Bank Gold Loan is approved in some minutes and disbursed within a day.
  7. Lastly, you can also give a call on 95920-46860.

FAQ’s About Sarva Haryana Gramin Bank Gold Loan

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

Sarva Haryana Gramin Bank gives you loans at a low rate of interest where you can get about 80% 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.

Q. What is Sarva Haryana Gramin Bank Gold Loan?

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

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

The rate of interest charged on Gold Loan by Sarva Haryana Gramin Bank is usually 13% per annum and depends on the total amount that will be borrowed.

Q. How to pay Sarva Haryana Gramin Bank Gold Loan online?

The Sarva Haryana Gramin Bank provides various methods for the repayment of the Gold Loan which are convenient and fast. You can visit the branch for more details.

Q. How to apply Gold Loan in Sarva Haryana Gramin Bank?

Application for the Gold Loan can be done offline by visiting the bank or online through Dialabank’s digital platform. You need minimal documentation and gold ornaments that are to be kept as security with the bank against the loan amount.

Q. How to renew Sarva Haryana Gramin Bank Gold Loan online?

Renewal procedure needs your presence in the bank as your gold has to be first released and then revalued at the latest market prices. For more information, you can visit the nearest loan branch.

Q. How to take Gold Loan from Sarva Haryana Gramin Bank?

Sarva Haryana Gramin Bank provides loan against gold as security for fulfilling the urgent requirement of funds of the borrowers. The bank gives loans at attractive interest rates and can be used for personal or business use.

Q. What is Gold Loan in Sarva Haryana Gramin Bank?

Gold Loans are usually used to fulfill any short term emergency requirement of funds whether personal or business. These loans are given at a low rate of interest which depends upon the amount that you wish to borrow. The amount that will be sanctioned depends upon the quality of the gold and the price of gold prevailing in the market. You can apply by visiting the branch or online through Dialabank.com.

Q. How to get Sarva Haryana Gramin Bank Gold Loan?

Getting Gold Loan depends on whether you’re eligible for the product or not. Eligible candidates can apply through Dialabank’s digital platform to get personalized assistance for taking the best deal suitable to their needs.

Q. How to check Sarva Haryana Gramin Bank Gold Loan status?

You can check the status of your Gold Loan by contacting your Sarva Haryana Gramin Bank branch either in person or through customer care number.

Q. How to close Sarva Haryana Gramin Bank Gold Loan?

Once you have paid all the pending dues you can close your Gold Loan by visiting the loan branch. The bank after verification will give your pledged gold to you and close your loan account.

Q. How to renew Sarva Haryana Gramin Bank Gold Loan?

Renewal of your 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.

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

If someone defaults with repayment of the Gold Loan, the bank charges a penalty fee from the borrower and has the right to auction off the gold kept as security to recover the amount.

Q. How many branches of Sarva Haryana Gramin Bank Gold Loan?

Sarva Haryana Gramin Bank has a workforce of over 2,300 dedicated employees with 542 branches throughout the state

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