Tripura Gramin Bank Agriculture Gold Loan

AT 0.75%* INTEREST RATE
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Tripura Gramin Bank Agriculture Gold Loan: Features and benefits

Gold Loan Per Gram Today	Gold Loan Rate Per Gram Today is ₹ 3,800 to ₹ 4,350
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 jewellery and gold coins of 18-24 carats
Margin in Gold Loan for the Bank	25% of the gold ornament’s market value

Tripura Gramin Bank Agriculture Gold Loan Calculator:

The gold loan calculator shows you how much money you’ll need to pay back to get rid of the main amount, or the loan amount you took out from the bank, in monthly instalments known as EMIs.

The Tripura Gramin bank agriculture gold loan will analyse gold’s purity and net weight in your jewellery using their in-house valuer. The gold used in jewellery should be 18 to 24 carats pure. In order to compute the net weight of the jewellery, the bank will subtract the weight of jewels and stones. The appraiser will write up his findings.
To assess the value of gold, Tripura Gramin bank Agriculture will multiply the purity and net weight of gold in your jewellery by the price of gold. The Reserve Bank of India has instructed banks to use the 30-day average price of 22-carat gold, adjusted for purity.
Tripura Gramin bank will utilise an LTV of up to 75 per cent to assess your jewel loan amount eligibility once the value of your jewellery has been assessed. If you are willing to take a loan amount that is less than your maximum LTV, Tripura Gramin bank may be able to offer you a lower interest rate.

Tripura Gramin 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 Tripura Gramin Bank Agriculture Gold Loan:

Photographs	2 Passport-Sized photos, latest, coloured, clear, without spectacles
Identity Proof (anyone)	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 (anyone)	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 an 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)

Tripura Gramin Bank Agriculture Gold Loan Rate Per Gram by Gold Purity:

Before considering a bank for a Tripura Gramin Bank Agriculture gold loan, you must first achieve purity, because contemplating a gold loan is insufficient until and until it is purely qualified to fulfil all dues in the event of an unfavourable situation:

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

Tripura Gramin Bank Agriculture Gold Loan Interest Rates Per Gram:

Updated - Gold Loan Per Gram Rate w.e.f Apr 16 2024
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:

This Table Contains the Average Annual Gold Rate from 1965 - 2022
Year	Price (24 karat per 10 grams)	Year	Price (24 karat per 10 grams)
2023	₹ 54,699	1994	₹ 4,598
2022	₹ 52,950	1993	₹ 4,140
2021	₹ 50,045	1992	₹ 4,334
2020	₹ 48,651	1991	₹ 3,466
2019	₹ 35,220	1990	₹ 3,200
2018	₹ 31,438	1989	₹ 3,140
2017	₹ 29,667	1988	₹ 3,130
2016	₹ 28,623	1987	₹ 2,570
2015	₹ 26,343	1986	₹ 2,140
2014	₹ 28,006	1985	₹ 2,130
2013	₹ 29,600	1984	₹ 1,970
2012	₹ 31,050	1983	₹ 1,800
2011	₹ 26,400	1982	₹ 1,645
2010	₹ 18,500	1981	₹ 1,800
2009	₹ 14,500	1980	₹ 1,330
2008	₹ 12,500	1979	₹ 937
2007	₹ 10,800	1978	₹ 685
2006	₹ 8,400	1977	₹ 486
2005	₹ 7,000	1976	₹ 432
2004	₹ 5,850	1975	₹ 540
2003	₹ 5,600	1974	₹ 506
2002	₹ 4,990	1973	₹ 279
2001	₹ 4,300	1972	₹ 202
2000	₹ 4,400	1971	₹ 193
1999	₹ 4,234	1970	₹ 184
1998	₹ 4,045	1969	₹ 176
1997	₹ 4,725	1968	₹ 162
1996	₹ 5,160	1967	₹ 103
1995	₹ 4,680	1966	₹ 84
1994	₹ 4,598	1965	₹ 72

Major Banks Agriculture Gold Loan Per Gram Rate Comparison:

Today, India has one of the largest gold financing markets globally, with a slew of competitors prepared to pay top dollar for your gold, whether it’s a private or public bank.

Feature	HDFC Bank	SBI	Muthoot Finance
Interest Rate	9.90% onwards	7% onwards	12% onwards
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
Pre-closure Charges	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	3066	3073	3073

Tips to Get The Highest Agriculture Gold Loan Amount from Tripura Gramin Bank

The bank accepts both hallmarked and non-hallmarked jewellery for a gold loan. However, you can receive the best Tripura Gramin Bank agricultural Gold gold loan for hallmark jewellery because the valuer is less likely to undervalue it. Additionally, some banks charge a lesser processing fee for hallmarked gold jewellery.
The agriculture gold loan from the Tripura Gramin Bank adjusts 22-carat gold to reflect the metal’s quality. As a result, wherever possible, borrow against higher-purity jewellery, as this will bring you the most money for a gold loan.
On gold, always strive for the maximum possible LTV. When calculating the amount of gold loan you are eligible for, the Reserve Bank of India has given Tripura Gramin Bank agriculture gold loan authorisation to charge a maximum LTV of up to 75%.

Tripura Gramin Bank Agriculture Gold Loan FAQs

✅ What is the interest rate for Tripura Gramin Bank agriculture gold loan?

Tripura Gramin Bank Agricultural Gold Loans start at an interest rate of 7% per annum. For Tripura Gramin Bank Agricultural Gold Loan, you need agricultural land and cultivation along with the basic documents such as an Aadhaar Card/PAN Card.

✅ What is Tripura Gramin Bank Agri gold loan?

Tripura Gramin Bank Agri Gold Loan is a loan against gold, particularly for farmers, that are available for agricultural purposes. The loan amount disbursed under the Tripura Gramin Bank Agri gold loan can only be used for agricultural and allied activities. Therefore, one must present the proof of farmland and cultivation and the basic documents required for the Tripura Gramin Bank Agri Gold Loan.