⍟  Lowest Interest Rate of 0.79% p.m.
⍟  Highest Rate Per Gram ₹ 4,680
⍟  No Melting of Your Gold
⍟  Get Loan in 1 Visit Only
⍟  100% Safety of Your Gold (kept in Bank Locker)

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Telangana Grameena Bank Gold Loan

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Telangana Grameena Bank Gold Loan Key Features – Apply Now

Telangana Grameena Bank Gold Loan Interest Rate Starting 7.0% per annum
Telangana Grameena Bank Gold Loan Rate Per Gram Rate Per Gram Today is ₹ 5,121
Telangana Grameena Bank Gold Requirement Minimum 18 Carat
Telangana Grameena Bank Gold Loan Processing Fee 1% of the Principal Loan Amount
Telangana Grameena Bank Maximum Loan Amount Up to Rs. 10 lakh
Telangana Grameena Bank Minimum Loan Amount 90% LTV on Your Gold Market Price
Telangana Grameena Bank Prepayment Charges 2%+GST (Within 3 Months), 0 (After 3 months)
Telangana Grameena Bank Repayment Tenure 12 Months to 48 Months
Telangana Grameena Bank Gold Loan Schemes Bullet Payment Scheme, EMI Scheme


gold loan at 7%

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Each Feature Explained in Detail Below


Telangana Grameena Bank Gold Loan Advantages

Advantages of Telangana Grameena Bank Gold Loan via Dialabank

  • Transparent System: The bank has a transparent and clear method of applying for a gold loan. You can gather all the information about it by visiting the website.
  • No Debt Burden: In case the applicant is not able to repay the gold loan, the bank will auction his/her jewellery and recover the debt. The applicant won’t be liable to pay anything after that.
  • Low Rate of Interest: A Gold Loan Interest Rate starts at just 1% rate per month. Thus repayment is easier.
  • Advantage on the rate of interest for Farmers: Moreover, the banks offer further advantages to farmers like lesser interest rates and other charges.
  • No Income bounds: Anyone including businessmen, housewives, students, and farmers can apply for these loans regardless of their income.
  • Security of Assets: The gold ornaments submitted by the applicants as collateral are completely safe with the banks in fire and water-resistant lockers.
  • Fast Process: A gold loan is sanctioned in just 5 minutes and disbursed on the same day.
  • Minimal Documents: Lastly, the applicant has to submit very fewer documents to avail of a gold loan which makes it a hassle-free service.
  • Foreclosure charges: Up to 0.50% of the principal amount are charged as Foreclosure charges.

About Telangana Grameena Bank Gold Loan

Telangana Grameena Bank Gold LoanTelangana Grameena Bank is a regional rural bank that was established after the merger of Sri Saraswathi Grameena Bank, Sri Satavahana Grameena Bank, Sri Rama Grameena Bank, Nizamabad, and Golconda Grameena Bank.

The bank operates in five districts namely, Adilabad, Karimnagar, Nizamabad, Rangareddy, and Hyderabad in the state of Telangana. There are 397 branches that are operating in 18 districts of the state of Telangana. Furthermore, a good number of financial services are available namely, Gold Loan, Personal Loan, Home Loan and many more.

What is Gold loan?

Gold Loan is an unsecured service in which the applicant just has to put gold ornaments in the bank in return of the loan amount. The service of Gold Loan is quite famous as the documents required for this service are quite less. And, Gold Loan Interest Rate is also very affordable in contrast to other loan services.

Telangana Grameena 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

Telangana Grameena Bank Gold Loan Documents

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)


gold loan at 7%

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How Much Gold Loan Can I Get Through Telangana Grameena Bank Gold Loan?

Telangana Grameena Bank Gold Loan Per Gram – updated January 2021

Updated - Gold Loan Per Gram Rate w.e.f Apr 23 2021

Gold Weight Gold Purity
24 Carat
Gold Purity
22 Carat
Gold Purity
20 Carat
Gold Purity
18 Carat
1 gram 4680 4290 3900 3510
10 gram 46800 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

Telangana Grameena Bank Gold Loan Interest Rate and Other Charges

Gold Loan Rate Start
7.00% 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%.

Telangana Grameena Bank Gold Loan Apply Online

  1. You can easily Apply Online through our website Dialabank
  2. The loan seeker has to fill a Form Online with current information.
  3. 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. You can check your eligibility for further clarification of the approval of a loan.
  5. Submit all the documents required as proofs in the banks.
  6. The loan is approved in some minutes and disbursed within a day.
  7. You also have an option to directly call us on 9878981144.

    gold loan at 7%

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Telangana Grameena 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

Uses of Telangana Grameena Bank Gold Loan

  • For financing personal expenses like vacation, education etc.
  • Expanding business.
  • Finance business needs like buying inventory, plant etc.
  • Agricultural or allied activities.

Telangana Grameena Bank Agricultural Jewel Loan Scheme

Scheme Telangana Grameena Bank Agricultural Jewel Loan Scheme
Interest Rate  Starting at 7%
Least amount of Loan Depends on the value of  jewel
Loan period Adjustment of advance sum inside 2 months from the date of reap of yields

Benefits of Telangana Grameena Bank Agricultural Jewel Loan Scheme

  • For 0.30% of the loan amount, Minimum of ₹ 300 is charged ranging for more than ₹25,000 – less than ₹ 5 lakh
  • 0.28% of the credit sum, subject to at least Rs.1,500 applicable on more than Rs.5 lakh and less than Rs.1 crore

Telangana Grameena Bank Gold Loan Overdraft Scheme

The loan amount is provided as an overdraft facility. It works as a Credit Card, where the Gold Loan Amount is spent as per the choice of the borrower. The overall loan amount comes with a Credit/Loan Limit. The interest is charged only on the amount that is withdrawn/utilized.

Telangana Grameena Bank Gold Loan FAQs

What is Telangana Grameena Bank Gold Loan?

Telangana Grameena Bank gold loan is a trouble-free process to avail of financial service for the attainment of your Gold Loan at attractive rates of interest and a maximum tenure of 12 months. The bank requires minimum documentation and has convenient modes of repayment.

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

The Telangana Grameena Bank Gold Loan rate per gram depends on the rate of gold in the market and the purity of the gold. The bank gives 70% financing of the entire value of the gold.

What is the Gold Loan interest rate in Telangana Grameena Bank?

The Telangana Grameena Bank gold loan interest rate starts from 10.50% per annum. The rate depends on the purity of your gold and the price of the gold prevailing in the market.

How to pay Telangana Grameena Bank Gold Loan online?

For paying your dues for the Telangana Grameena Bank gold loan online you can use many convenient methods that are offered by the bank. You can also call the customer care helpline to know the process in detail or visit the nearest loan branch.

How to apply for Gold Loan in Telangana Grameena Bank?

Applying for the Telangana Grameena Bank Gold Loan is a simple and easy-going procedure, which can be done either offline by visiting the branch or online through Dialabank’s digital platform. You just need to fill a form and require minimum documents for completing the application process.

How to renew Telangana Grameena Bank Gold Loan online?

The renewal process of the Telangana Grameena Bank gold loan starts once you reach the branch with all gold loan connected documents and get the gold to reassess at the bank. For additional information on this call the bank’s customer care helpline.

How to take Gold Loan from Telangana Grameena Bank?

Taking Gold Loan from Telangana Grameena Bank is a hassle-free procedure as you just need to be a customer of the bank already or a resident of the area of the bank to take the Gold Loan service of the bank. You need minimum documents and at least 18K gold ornaments. After applying, your gold is valuated and an offer is made by the banker upon the agreement of which the loan amount is granted. The bank gives disbursement of the loan on the same day as of the approval of your application

How to check Telangana Grameena Bank Gold Loan status?

You can examine the status of your Telangana Grameena Bank Gold Loan by approaching the customer care of the bank or by visiting the branch physically and meeting the loan officer.

What happens if someone defaults on his Telangana Grameena Bank gold loan repayment?

If someone defaults the Telangana Grameena Bank Gold Loan repayment, the bank has comprehensive rights to sell the gold ornaments that were kept as safety to retrieve the loan amount. Also, this affects your credit score negatively which affects your loan taking ability.

✅How can I apply for the EMI moratorium on the Telangana Grameena Bank Gold loan?

You can apply for a Telangana Grameena Bank gold loan EMI moratorium by visiting the bank branch or its online portal and filling in your loan details. A loan moratorium helps you free yourself from loan repayment for a while. Make sure you apply at least 5 days before the due date of EMI Payment.

What is the Overdraft Scheme for Telangana Grameena Bank Gold Loan?

Telangana Grameena Bank’s Overdraft Scheme has a Credit/Loan Limit. The interest is charged on the amount withdrawn/utilized.

What is the Telangana Grameena Bank Gold Loan closure procedure?

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

What is the Telangana Grameena Bank customer care number?

9878981144 is the customer care number for Telangana Grameena Bank.

✅ What is Telangana Grameena 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.

What is the foreclosure procedure for Telangana Grameena Bank Gold Loan?

Telangana Grameena Bank takes 0.50% of the principal amount as Foreclosure charges.

Other Major Gold Loan Providers

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