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    Telangana Grameena Bank Agriculture Gold Loan

    Telangana Grameena Bank Agriculture Gold Loan: Features and Benefits

    Gold Loan Per Gram 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 jewelry and gold coins of 18-24 carats
    Margin in Gold Loan for the Bank 25% of the gold ornament’s market value

    Telangana Grameena Bank Agriculture Gold Loan Calculator:

    The gold loan calculator reflects the payback you have to make to get rid of the principal amount or we can say the loan amount which you have taken from the bank in terms of monthly installments which are referred to as the EMIs. Telangana Grameena Bank gold loan

    • The bank will analyse the purity and net weight of gold in your jewellery using their in-house valuer. The gold used in the jewellery should be 18 to 24 carats pure. In order to compute the net weight of jewellery, Telangana Gramin Bank Agriculture will subtract the weight of diamonds and stones. The appraiser will write up his findings.
    • Telangana Gramin Bank Agriculture will multiply the purity and net weight of gold in your jewellery by the price of gold to determine the value of gold. The Reserve Bank of India has asked banks to use the average price of 22 carat gold over the previous 30 days, adjusted for purity.
    • Loan to Value Ratio (LTV): Once the value of your jewellery has been determined, Telangana Gramin Bank will use an LTV of up to 75% to determine your jewel loan amount eligibility. Telangana Gramin Bank may offer you a cheaper interest rate if you are ready to take a loan amount that is less than your maximum LTV.

    Telangana Grameena Bank Agriculture 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

    Documents Required for Telangana Grameena Bank Gold Loan:

    Photographs
    2 Passport-Sized photos, latest, coloured, clear, without spectacles
    Identity Proof (any one)
    Passport: Valid Copy of passport both front and last page
    Voters ID card: Copy of Valid Voter Identity Card
    Driving License: Copy of Driving license which is valid.
    Adhar card: Copy of Adhar Card with current information
    Residence Proof (any one)
    Passport: Valid Copy of passport both front and last page
    Voters ID card: Copy of Valid Voter Identity Card
    Driving License: Copy of Driving license which is valid.
    Adhar card: Copy of Adhar Card with current information
    Utility Bills on the name of the applicant.
    Sales Tax Certificate
    Rental Agreement
    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)

     

    Telangana Grameena Bank Agriculture Gold Loan Rate Per Gram by Gold Purity:

    Before considering a bank for the Telangana Grameena Bank Agriculture gold loan, You need to attain purity before availing of a gold loan because considering a gold loan is itself not enough unless and until it is purely eligible to cover all the dues if an unwanted situation occurs:

    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

    Telangana Grameena Bank Agriculture Gold Loan Interest Rates Per Gram:

    Telangana Grameena Bank Agriculture Gold Loan, Telangana Grameena Bank Gold Loan Interest Rate, Telangana Grameena Bank Gold Loan at -13.75%

    Updated - Gold Loan Per Gram Rate w.e.f Jun 17 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:

    Way back to a time our history reveals or encloses the facts of how gold was of great importance in our history. the gold is not an ornament to wear but also a sign of our culture and tradition which has been followed by the devotees for years.

    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:

    Today lies one of the biggest gold financing markets in India with several competitors who are willing to pay the best for you whether it is a private bank or a public

    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 Telangana Grameena Bank:

    • For a gold loan, the bank accepts both hallmarked and non-hallmarked jewellery. For hallmark jewellery, however, you can get the greatest Telangana Grameena Bank agriculture Gold gold loan  because the valuer is less likely to undervalue it. Furthermore, some banks offer a lower processing cost for hallmarked gold jewellery.
    • The Telangana Grameena Bank agriculture gold loan changes the price of 22 carat gold to reflect the quality of the metal. As a result, always aim to borrow against jewellery of better purity, as this will get you the most money for a gold loan.
    • Always attempt to achieve the highest possible LTV on gold. The Reserve Bank of India has given Telangana Grameena Bank agriculture gold loan permission to charge a maximum LTV of up to 75% when calculating the amount of gold loan you are eligible for.