State Bank of Bikaner and Jaipur Gold Loan

State Bank Of Bikaner and Jaipur Gold Loan Key Features – Apply Now

State Bank of Bikaner and Jaipur Gold Loan Interest Rate	7.25% per annum
State Bank of Bikaner and Jaipur Gold Loan Rate Per Gram	₹ 3,800 to ₹ 4,350
State Bank of Bikaner and Jaipur Minimum Loan Amount	up to 90% LTV
State Bank of Bikaner and Jaipur Maximum Loan Amount	Up to Rs. 1 crore
State Bank of Bikaner and Jaipur Gold Loan Prepayment Charges	2%+GST
State Bank of Bikaner and Jaipur Gold Loan Repayment Tenure	3 Months to 36 Months
State Bank of Bikaner and Jaipur Gold Loan Repayment Scheme	Bullet Payment Scheme, Overdraft Scheme, EMI options

State Bank Of Bikaner And Jaipur Gold Loan Explanation

State Bank of Bikaner and Jaipur Gold Loan can be critical to meet a fundamental necessity for money by vowing your gold overhauls or gold coins as insurance. Gold improvement is likely the speediest kind of getting and can be benefitted by existing clients of State Bank of Bikaner and Jaipur moreover as new borrowers. With State Bank of Bikaner and Jaipur, you won’t just profit by the gold credit sufficiently yet close to at a certifiable progression cost. Here is all you require to consider State Bank of Bikaner and Jaipur gold advance financing cost, residency, hard and fast, and different terms and conditions.

State Bank Of Bikaner And Jaipur Comparision With Other Banks

Particulars	State Bank Of Bikaner and Jaipur	SBI	HDFC Bank
Interest Rate	7.25% per annum	7.25% per annum	9.90% – 17.55%
Processing Fees	0.7% + GST	0.50% of the loan amount, minimum Rs. 500	1.50% of the loan amount
Loan Tenure	3 months to 36 months	3 months to 36 months	3 months to 24 months
Loan Amount	₹ 25,000 to ₹ 25 Lakh	₹ 20,000 to ₹ 20 Lakh	₹ 25,000 to ₹ 50 Lakh
Foreclosure Charges	Up to 0.50% of the principal amount	Nil	Nil after 3 months
Repayment Options	Y	Y	Y
Lowest EMI Per Lakh	₹ 8,734 per lakh	₹ 3,111 per lakh	₹ 4,610 per lakh

Tips To Get Gold Loan From State Bank Of Bikaner And Jaipur Fast

• State Bank of Bikaner and Jaipur sees both hallmarked and non-hallmarked beautifications for getting a gold new turn of events. In any case, you can get the most raised gold credit per gram for brand name embellishments, as it decreases the odds of under-valuation by the valuer. Two or three banks charge lower preparing costs on hallmarked gold pearls.
• State Bank of Bikaner and Jaipur changes the cost of 22-carat gold for the perfection of gold. Accordingly, constantly attempt to get against higher sensibility embellishments as it will present to you the most raised outright for the gold new development.
• State Bank of Bikaner and Jaipur will manage the net load of jewels to find the level of advance against the gold you can get. Firmly, try to pick embellishments that have the least pearls and stones. An enormous piece of the banks will diminish the significance of pearls and stones from an all-out pile of embellishments. State Bank of Bikaner and Jaipur will depend on the report of his gold valuer to learn the net weight.
• Higher the significance of pearls and stones in redesigns cut down the net weight and evaluation of diamonds which accomplishes the lower level of gem advance you can get Further, State Bank of Bikaner and Jaipur won’t see valuable stone important stones if the gold utilized is under 18-carat flawlessness. By a wide edge a large portion of the critical stone updates are made in 16 carats to 18-carat gold and from this time forward, will accomplish low gold movement per gram.
• Incessantly attempt to get the best LTV on the evaluation of gold. State Bank of Bikaner and Jaipur is permitted by RBI to charge a most bewildering LTV of up to 85% to manage the level of gold credit you are prepared for.

Advantages Of State Bank Of Bikaner And Jaipur Gold Loan

1. Fast Process: The entire process of availing of a gold loan from the State Bank of Bikaner and Jaipur is swift and hassle-free. The loan amount gets disbursed within a few hours of applying. 
2. Fewer Documents: A gold loan being secured in nature does not require any sort of extensive documentation. 
3. Amount of Loan: The minimum loan amount that the State Bank of Bikaner and Jaipur provides to the customer is Rs. 20000. It can be less than Rs 10,000 in rural areas.
4. Safety of Jewellery: The Bank is entirely liable for the security of your Gold. Thus, the Gold is kept in fireproof protection under constant surveillance.
5. Loan Tenure: The minimum tenure of the loan offered is 12 months. Upon renewal, some lenders may extend it to 36 months. 
6. Benefits for Farmers: The State Bank of Bikaner and Jaipur provides some special offers for agricultural purposes. The Bank offers a lower Gold loan interest rate for a Gold loan for agricultural use.
7. Foreclosure: State Bank of Bikaner and Jaipur Gold Loan empowers a borrower to .50% on the key amazing if there should be an event of a Gold Loan Foreclosure.

How Much Loans Can I Get Through The State Bank Of Bikaner And Jaipur?

State Bank Of Bikaner And Jaipur gold Loan Per Gram – Apr 20 2024

State Bank Of Bikaner And Jaipur Bank Gold Loan Rates w.e.f Apr 20 2024
Weight (in gms)	Loan on 18K Gold	Loan on 20K Gold	Loan on 22K Gold	Loan on 24K Gold
1	2451	2733	3016	3298
10	24510	27330	30160	32980
20	49020	54660	60320	65960
30	73530	81990	90480	98940
50	122550	136650	150800	164900
100	245100	273300	301600	329800
200	490200	546600	603200	659600
300	735300	819900	904800	989400
500	1225500	1366500	1508000	1649000

About State Bank Of Bikaner And Jaipur Gold Loan

The gold loan offered by the Bank enables its customers to take a loan against their gold jewellery. State Bank of Bikaner and Jaipur Gold Loan Review states that it is an attractive loan that customers are willing to take as the SBBJ Gold Loan Interest Rate is low along with the State Bank of Bikaner and Jaipur Gold Loan eligibility requirements that are easy to fulfil.

• State Bank of Bikaner and Jaipur Gold Loan Interest Rate Online is 7.25% per annum.
• State Bank of Bikaner and Jaipur Gold Loan Rate Per Gram is ₹ 3,800 to ₹ 4,350.
• State Bank of Bikaner and Jaipur Gold Loan Tenure is up to 36 Months.
• State Bank of Bikaner and Jaipur Gold Loan processing fee is 1% + GST.

State Bank Of Bikaner And Jaipur Eligibility

Age	18-75 years of age
Nationality	Indian
Employment Status	Salaried, Self-Employed
Requirements	Gold Ornaments (Minimum 18 Carats)

State Bank of Bikaner and Jaipur Gold Loan At Home

With the changing needs of the times, State Bank of Bikaner and Jaipur has come across a simple yet valuable solution that will make everything easy for you. Just like your necessary commodities such as groceries, clothes and much more, everything is provided at your doorstep, in the same way, now, you can quickly get a gold loan at the comfort of your home.

If you are in urgent need of funds or too busy to visit a bank or prefer social distancing, Allahabad Gold Loan At home is a one-step solution. The process is straightforward. You need to give us a call to put in your request for a gold loan. Our executive from the nearest branch will visit your home at the earliest. Everything will be done at your home in your presence, from the evaluation of the loan documentation to the transfer of the loan amount. Furthermore, there are many benefits of State Bank of Bikaner and Jaipur 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

State Bank Of Bikaner And Jaipur Gold Loan Documentation Required

Identity Proof	Aadhar Card/Pan Card/ Passport/ Voter ID
Residence Proof	Aadhar Card /Pan Card/ Ration Card/ Rental Agreement of applicant/ Voter ID card/Utility Bills on the name of the applicant.
Agriculture Proof ( only if applicable)	Agriculture Land Ownership Proof
Photographs	2 Passport sized coloured

State Bank Of Bikaner And Jaipur Gold Loan Interest Rate, Fees, and Charges

State bank of Bikaner and Jaipur Gold Loan Interest Rate	7.25% per annum
Processing Fee	1% of the loan amount
Loan Amount	₹ 10,000 to ₹ 1 crore
Prepayment Charges	up to 1% of the outstanding principal amount

Types Of State Bank of Bikaner and Jaipur Gold Loan

• Bullet Repayment: One of the most popularly used methods for short term gold loan repayment. Under this method, the borrower has to pay the interest rate during the tenure of the loan while the principal amount can be paid at the end of the loan tenure.
• Overdraft Facility: The self-employed people most popularly use this technique because of the fluctuating money requirements of such an income structure. 
• EMI Facility: This is a scheme that customers can choose for the repayment mode of the Loan Against Gold in which a fixed amount is calculated that the applicant has to pay monthly according to the rate of interest. 

State Bank Of Bikaner And Jaipur Gold Loan Apply Online

You can apply online following a natural process by visiting the Bank’s official website and submitting a form with necessary personal information and the loan type you wish to avail. Our relationship manager will guide you regarding the further steps of the loan process.

Follow the steps mentioned below to enjoy the hassle-free process:

• Visit the website of Dialabank, and fill a form online regarding your name, location, and income.
• Our Relationship Manager will contact you on your provided contact number and assist you throughout the Gold Loan process available in the marketplace.
• We will guide you with expert opinions and guidance without any extra charges.
• You can compare all the different offers and schemes from various banks available based on funding provided and the rate of interest charged and chose the right deal for yourself.

State Bank Of Bikaner And Jaipur Gold Loan EMI Calculator

Rate	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 Pay Your State Bank Of Bikaner And Jaipur Gold Loan EMI?

You can make the repayment of your gold loan in the following three different ways.

1. Standing Instruction (SI): For current record holders with the Bank, Standing Instruction is one of the best methods of repayment. Accordingly, your EMI sum will be debited automatically from your bank account every month. 
2. Electronic Clearing Service (ECS): This is an alternative that can be adopted in case you do not have your bank account with the SBBJ bank.
3. Post-Dated Checks (PDC): You can also submit post-dated EMI checks from a non- State Bank of Bikaner and Jaipur account at your closest Loan Center. 

State Bank Of Bikaner And Jaipur Gold Loan Contact Number

For any sort of assistance regarding the State Bank of Bikaner and Jaipur gold loan, you can contact us on the number 9878981144.

Gold Ornaments Accepted By State Bank Of Bikaner And Jaipur Gold Loan

• The State Bank of Bikaner and Jaipur accepts only Gold jewellery of 18 carats to 22 carats.
• Minted gold coins are not accepted.
• The applicant should pledge at least 10 grams of Gold to get a gold loan.

Use Of State Bank Of Bikaner And Jaipur Gold loan

1. Faster processing – Minimum documentation and easy eligibility criteria requirements make the process quick and hassle-free.
2. Lower interest rate – Being secured loans, gold loans, charge a lower rate of interest on the loan amount as compared to personal loans.
3. Multipurpose – The loan amount can be used for various financial purposes like funding a vacation, covering marriage expenses, paying off medical bills, business purposes, agriculture purposes, etc.

State Bank Of Bikaner And Jaipur Agricultural Jewel Loan Scheme

Scheme	Agricultural Jewel Loan Scheme
Interest Rate	Starting from 7.25% per annum (depends on the sum of the loan
Least amount of Loan	Depends on the value of the 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 State Bank Of Bikaner And Jaipur Agricultural Jewel Loan Scheme

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

State Bank Of Bikaner And Jaipur Gold Loan Overdraft Scheme

State Bank of Bikaner and Jaipur offers an Overdraft Scheme. With this, you are given an improvement absolute as an overdraft office. It works like a Credit Card, where you can spend your Gold Loan Amount as you need at the point any spot. The overall progression total will have a Credit/Loan Limit. In the State Bank of Bikaner and Jaipur Gold Loan Overdraft office, the bank charges pay basically on the total you pull out/use.

State Bank Of Bikaner And Jaipur Gold Loan Key Highlights

Age	18-75 years
Minimum Loan Amount	Rs. 25,001
Maximum Loan Amount	Rs. 25 Lakh
State Bank of Bikaner and Jaipur Gold Loan Interest Rate	7.25% per annum
Loan Tenure	From 3 months up to 36 months
Gold Items accepted	Jewelry and gold coins sold by banks
State Bank of Bikaner and Jaipur Gold Loan Processing Charges	1% of the loan amount

How Does State Bank Of Bikaner And Jaipur Gold Loan Work, Here’s An Example

The improvement of outright limit is settled dependent on the perfection of gold, LTV, and the weight of gold. Foresee Mr An and his two assistants Mr B and Mr C own different degrees of gold with moving perfection. Mr A has 50 grams of gold of 22 carats. Mr B has 60 grams of gold with uprightness of 20 carats and Mr C has 70 grams of gold with goodness or 22 carats. They approach the State of Bikaner and Jaipur to benefit from a gold new development. The worth applied to acquire capability with their gold credit complete limit reliant on the most over the top LTV of 85% will vary by the significance of gold and thusly, will achieve moving gold improvement capacity.

FAQ’s About State Bank Of Bikaner And Jaipur Gold Loan

✅ What is the State Bank of Bikaner Gold Loan?

The State Bank of Bikaner Gold Loan is a borrowing option available to all individuals above 21 years of age who own gold jewellery in any form and are in urgent need of cash. It is a multi-purpose loan and can be used for any sort of financial requirements like paying off medical expenses, wedding bills, etc.

✅ How Can I Get Gold Loan From the State Bank of Bikaner Bank?

You can get a gold loan from the State Bank of Bikaner Bank easily with a few clicks:

• Fill in a simple form online available on Dialabank.
• Our trained relationship manager will contact you on your provided number.
• The manager will suggest the best loan which meets your requirements and eligibility.
• Your documents will be picked from your doorstep.
• Get the loan amount in your account in just 30 minutes.

 ✅ How much Gold Loan Can I get per gram from the State Bank of Bikaner and Jaipur?

The State Bank of Bikaner and Jaipur Gold Loan Rate Per Gram is ₹ 3,800 to ₹ 4,350, it changes depending on the quality of your Gold.

✅ How Does State Bank of Bikaner and Jaipur Gold Loan work?

State Bank of Bikaner and Jaipur allows borrowers to pledge their gold jewellery with the bank and avail loan amount as per the value of the gold. After the documents are verified and the gold is valued the loan amount is instantly disbursed in the accounts.

✅ What is the Gold Loan interest rate in the State Bank of Bikaner and Jaipur?

 State Bank of Bikaner and Jaipur Gold Loan Interest Rate is 7.25% per annum.

✅ How to check gold loan status in the State Bank of Bikaner and Jaipur?

To check the status of your State Bank of Bikaner Gold Loan online, you can visit the Bank’s online portal and log in with your Gold Loan application details.

✅ How to calculate gold loan interest in the State Bank of Bikaner and Jaipur?

You can calculate the gold loan interest rate in the State Bank of Bikaner and Jaipur by subtracting the principal amount from the total amount to be paid.

✅ What is the maximum gold loan amount I can avail of on a gold loan from the State Bank of Bikaner and Jaipur?

The maximum gold loan amount you can avail of from the State Bank of Bikaner and Jaipur is up to 75% of the gold jewellery’s market value.

✅ What is the State Bank of Bikaner and Jaipur gold loan maximum loan tenure?

The gold loan tenure for the State Bank of Bikaner and Jaipur ranges from 3 months to 36 months. 

✅ How much processing fee is applicable on State Bank of Bikaner and Jaipur Gold loan?

A processing fee of up to 1% + GST applies to the State Bank of Bikaner and Jaipur gold loan.

✅ How to renew the State Bank of Bikaner and Jaipur Bank Gold Loan?

To renew the State Bank of Bikaner and Jaipur gold loan visit your State Bank of Bikaner and Jaipur Bank Gold Loan branch and apply for the same. Your Gold will be revalued, and loan terms will be decided based on the equivalent.

✅ How to renew the State Bank of Bikaner and Jaipur Bank Gold Loan?

Renew your Gold Loan with the State Bank of Bikaner and Jaipur Bank by visiting the branch with your loan documents. Your Gold will undergo a revaluation process, and upon confirmation of terms, your Gold Loan will be renewed for another tenure.

✅ What are the charges for renewal in State Bank of Bikaner and Jaipur Bank Gold Loan?

The charges for renewal in the State Bank of Bikaner and Jaipur is approximately Rs. 250 – Rs. 500.

✅ What are the charges for Pre-payment in State Bank of Bikaner and Jaipur Bank Gold Loan?

The charges for pre-payment in State Bank of Bikaner and Jaipur Bank is 1% of the outstanding amount.

✅ How to pay State Bank of Bikaner and Jaipur Bank Gold Loan Interest online?

You can pay the EMI of your Gold Loan from the State Bank of Bikaner and Jaipur Bank by giving a Standing Instruction or ECS on your bank account to deduct the amount automatically.

✅ What if I cannot pay the interest on the State Bank of Bikaner and Jaipur Bank Gold Loan for three months?

If you cannot pay the interest on the State Bank of Bikaner and Jaipur Bank Gold Loan for three months, a penalty fee will be charged on the total amount due, and in case of repeated defaults, the Bank will have the authority to auction your gold ornaments to recover the amount publicly.

✅ How can I apply for EMI Moratorium on State Bank of Bikaner and Jaipur Bank Gold Loan?

You can apply for EMI Moratorium in the State Bank of Bikaner and Jaipur Bank Gold loan online by logging in with your credentials or by personally visiting the main branch. The moratorium request has to be submitted at least five working days before the due date of your EMI.

✅ How to pay State Bank of Bikaner and Jaipur Bank Gold loan through credit card?

You cannot pay State Bank of Bikaner and Jaipur Bank Gold loans via credit cards according to the guidelines of RBI.

✅ What is an overdraft scheme for the State Bank of Bikaner and Jaipur Gold Loan?

State Bank of Bikaner and Jaipur offers an Overdraft Scheme. In the State Bank of Bikaner and Jaipur Gold Loan Overdraft office, the bank charges pay basically on the total you pull out/use.

✅ What is the customer care number for the State Bank of Bikaner and Jaipur Gold Loan?

Call at 9878981144 for any query.

✅ What is the foreclosure procedure for the State Bank of Bikaner and Jaipur Gold Loan?

State Bank of Bikaner and Jaipur empowers a borrower to .50% on the key excellent if there should be an event of a Gold Loan Foreclosure.

✅ What are the State Bank of Bikaner and Jaipur Gold Loan closure procedures?

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

✅ What are the State Bank of Bikaner and Jaipur Gold Loan Preclosure charges?

The 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 36 months.

✅ What is the minimum gold loan tenure?

The minimum gold loan tenure is 3 months.