Tripura Gramin Bank Gold Loan

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Rates as low as 1% p.m.
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Loan Amount Up to 1 Crore
Loan Tenure Up to 48 Months
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About Tripura Gramin Bank Gold Loan

About Tripura Gramin Bank Gold Loan

Tripura Gramin Bank is a regional rural bank in the state of Tripura. It was established on 21st December 1976. United Bank of India is the sponsor of this bank. Tripura Gramin Bank is the only Regional Rural Bank that is operating in the state of Tripura. This bank operates in eight districts of this state. There are a lot of financial services that are provided by this bank like Gold Loan, Personal Loan and many more. Gold Loan is one of the most availed services by the people. 

Why Gold Loan?

  • Transparent System: Firstly, the system of the gold loan is very clear therefore, there are no hidden norms
  • No Debt Burden: Moreover, There can be situations in which an applicant is not able to repay the loan amount in such a case the applicant will not be under debts as the bank will only confiscate the ornaments.
  • Low Rate of Interest: Major advantage, the applicant will have to pay the least interest rate in comparison to other loans.
  • Advantage on the rate of interest for Farmers: As a matter of fact, The farmers are given a rebate on the interest rate on availing this service.
  • No Income bounds: There are no restrictions on the salary or income of the applicant hence, anyone with any income rage can avail a gold loan.
  • Security of Assets: One of the major advantage, the applicant does not has to worry about the safety of the ornaments as it is the headache of the bank and not the owner.
  • Fast Process:  Tripura Gramin Bank Gold Loan is a  secured loan therefore, you can get your gold loan disbursed in just 30 minutes
  • Minimal Documents: Lastly, the applicant has to submit very fewer documents to avail a gold loan which makes it a hassle-free service.

Tripura Gramin Bank Gold Loan Eligibility

The applicant can avail a loan as long as the eligibility criteria are fulfilled:

  1. The applicant should lie in the age group 18-70 years
  2. You should be a citizen of India
  3. No employment status is considered, therefore, both salaried and self-employed can apply
  4. The weight and quality of gold are equally important as a result the gold should weight at least 10 grams and purity should lie between 18 carats to 22 carats
  5. Maximum funding that can be availed is up to 1Crore.

Documents Required for Tripura 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.

Tripura Gramin Bank Gold Loan Interest Rate

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

FAQ’s About Tripura Gramin Bank Gold Loan

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

The per gram Gold Loan amount in Tripura Gramin Bank varies according to the purity of your pledged gold and current market gold rates.

Q. What is Tripura Gramin Bank Gold Loan?

Gold Loan is a financial product offered by banks for individuals to meet up their expenses by keeping their gold as security with the banks and taking the funding. The banks do not ask for any income proof or a good credit score for the procurement of Gold Loan. Anyone eligible for the Gold Loan from Tripura Gramin Bank can take it.

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

The rate of interest charged on these loans usually starts at 10.70% per annum. The rate charged on these loans is usually lower than those charged on other loans as these are fully secured loans and the banks face zero risks in lending this amount.

Q. How to pay Tripura Gramin Bank Gold Loan online?

Tripura Gramin Bank provides various methods for the payment of Gold Loan. You can do it monthly or on a bullet payment basis. For more information visit the nearest branch of the bank today.

Q. How to apply Gold Loan in Tripura Gramin Bank?

The application process for Gold Loan is simple and does not take much time. You just need to visit the branch and fill a form and submit it with the required documents to the loan officer. You can also apply through Dialabank’s internet platform to compare and select the best deal for fulfilling your requirements.

Q. How to renew Tripura Gramin Bank Gold Loan online?

For the renewal of your Gold Loan visit the nearest Bank branch where your previously pledged gold will be released and revalued according to the current market rates and renewal fee might be charged as applicable.

Q. How to take Gold Loan from Tripura Gramin Bank?

Taking Gold Loan Tripura Gramin Bank is a quick process. The bank gives fast disbursement of funds after the application is approved. You can apply for the loan either offline or online and use the disbursed funds according to your needs.

Q. What is Gold Loan in Tripura Gramin Bank?

Gold Loan is a financial service provided by Tripura Gramin Bank for fulfilling those in need of funds by keeping their gold as security for the loan. The bank gives quick disbursal with minimal requirement of documents for applying for the loan. They also give easy repayment options with a prepayment facility.

Q. How to get Tripura Gramin Bank Gold Loan?

You can take a Gold Loan from Tripura Gramin Bank by walking into any branch with your gold ornaments and documents as required. Your gold will undergo a valuation process and the loan amount will be disbursed once everything is verified.

Q. How to check Tripura Gramin Bank Gold Loan status?

You can check your Gold Loan status with Tripura Gramin Bank by contacting your loan officer either in person or over a call.

Q. How to close Tripura Gramin Bank Gold Loan?

When you need to close your Gold Loan all you have to do is visit the branch and pay any pending amount. The bank will return to you the pledged gold upon verification and close your Gold Loan.

Q. How to renew Tripura Gramin Bank Gold Loan?

You can renew your Gold Loan from the same branch where the loan was initially approved. Your pledged gold is first released then revalued according to the current market rates. For more information contact the nearest loan branch.

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

If you are unable to pay the due amount, the bank charges penalty fee from you and also auctions off your gold for recovery of the amount in case the defaults are continued.

Q. How many branches of Tripura Gramin Bank Gold Loan?

Presently, Tripura Gramin Bank has a grown network of 142 branches operating in four districts in the State.

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