Tripura Gramin Bank Gold Loan features – Apply Now
| Tripura Gramin Bank Gold Loan Interest Rate | 7.25% per annum |
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Tripura Gramin Bank Gold Loan Rate Per Gram
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The rate Per Gram is ₹ 3,800 to ₹ 4,350 |
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Tripura Gramin Bank Processing Fee
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0.75% of the Principal Loan Amount
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| Tripura Gramin Bank Maximum Loan Amount |
Up to Rs. 50 lakh
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| Tripura Gramin Bank Minimum Loan Amount |
75% LTV
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Tripura Gramin Bank Gold Prepayment Charges
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2%+GST (Within 3 Months), 0 (After 3 months)
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Tripura Gramin Bank Gold Repayment Tenure
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Up to 36 Months
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Tripura Gramin Bank Gold Repayment Scheme
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Bullet Payment Scheme, Overdraft Scheme
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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 loans, Personal Loan, and many more. Gold Loan is one of the most availed services by the people.
Advantages of Tripura Gramin Bank 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 Gold Loan 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 of this service.
- No Income bounds: There are no restrictions on the salary or income of the applicant hence, anyone with any income range can avail of a gold loan.
- Security of Assets: One of the major advantages, 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 of a gold loan which makes it a hassle-free service.
- Foreclosure charges: The Bank takes up to 0.50% of the principal amount as foreclosure charges.
Tripura Gramin Bank Gold Loan Eligibility
The applicant can avail of a loan as long as the eligibility criteria are fulfilled:
- The applicant should lie in the age group 18-70 years
- You should be a citizen of India
- No employment status is considered, therefore, both salaried and self-employed can apply
- The weight and quality of gold are equally important as a result the gold should weigh at least 10 grams and purity should lie between 18 carats to 22 carats
- Maximum funding that can be availed is up to 1Crore.
Tripura Gramin Bank Gold Loan At Home
With the changing requirements of the times, Tripura Gramin Bank has devised a simple yet effective solution that will simplify your life. Just as you can get groceries, clothes, and other necessities delivered to your door, you can now acquire a gold loan from the comfort of your own home.
Tripura Gramin Gold Loan At Home is a one-step option if you are in urgent need of finances, are too busy to visit a bank, or prefer social distancing. The procedure is simple to follow. To apply for a gold loan, you must first contact us by phone. Our executive from the nearest branch will pay you a visit as soon as possible.
Following are some of the benefits of Tripura Gramin Gold Loan At Home:
- Faster processing
- Attractive 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
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 coloured photographs.
Tripura Gramin Bank Gold Loan Interest Rate
- The interest rate of Tripura Gramin Bank Gold Loan starts at 7.25% per annum.
- The financial organizations provide these loans for 1 to 4 years.
- The pre-closure charges are between 0% to 2% of the value of the loans.
Uses of Tripura Gramin Bank Bank Gold Loan
- To finance personal expenses like vacation etc.
- Paying for Education
- Finance Business expansions
- Gold Loan for agricultural and allied purposes.
Tripura Gramin Bank 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 Tripura Gramin Bank Agricultural Jewel Loan Scheme
- There is no processing fee applicable up to ₹ 25,000
- 0.30% of the loan amount, Minimum of ₹ 300 charge is applicable to the amount ranging from above ₹ 25,000 – less than ₹ 5 lakh
- 0.28% of the credit sum, subject to at least Rs.1,500 is applicable to the amount more than Rs.5 lakh however under Rs.1 crore
Tripura Gramin Bank Gold Loan Overdraft Scheme
Tripura Gramin Bank gives the Overdraft Scheme that works like a Credit Card. The Gold Loan Amount lets the borrower use the money as necessary. The overall loan amount will have a Credit/Loan Limit and the bank charges interest only on the amount you withdraw/utilize.
FAQ’s About Tripura Gramin Bank Gold Loan
✅ How much Gold Loan can I get per gram in Tripura Gramin Bank?
The Gold Loan per gram amount in Tripura Gramin Bank varies according to the purity of your pledged gold and current market gold rates.
✅ 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 a Gold Loan. Anyone eligible for the Gold Loan from Tripura Gramin Bank can take it.
✅ What is the Gold Loan interest rate in Tripura Gramin Bank?
The rate of interest charged on these loans usually starts at 7.25% 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.
✅ 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.
✅ How to apply for 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.
✅ 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 a renewal fee might be charged as applicable.
✅ 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.
✅ 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 requirements of documents for applying for the loan. They also give easy repayment options with a prepayment facility.
✅ 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.
✅ 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.
✅ 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.
✅ 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.
✅ What happens if someone defaults on Tripura Gramin Bank Gold Loan?
If you are unable to pay the due amount, the bank charges a penalty fee from you and also auctions off your gold for recovery of the amount in case the defaults are continued.
✅ 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.
✅ What is Tripura Gramin Bank Gold Loan Overdraft Scheme?
Tripura Gramin Bank gives the Overdraft Scheme that works like a Credit Card. The Gold Loan Amount lets the borrower use the money as necessary. The overall loan amount will have a Credit/Loan Limit and the bank charges interest only on the amount you withdraw/utilize.
✅ What is the foreclosure procedure for Tripura Gramin Bank Gold Loan?
Tripura Gramin Bank charges a borrower to .50% on the key excellent if there should be an event of a Gold Loan Foreclosure.
✅ What is the Tripura Gramin Bank Gold Loan closure procedure?
The Gold loan will only close after the payment is done in full.
✅ What are Tripura Gramin 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 36 months for Tripura Gramin Bank.
✅ What is the minimum gold loan tenure?
The minimum Tripura Gramin Bank Gold loan tenure is 6 months.
✅ What is the customer care number for Tripura Gramin Bank Gold Loan?
All the queries regarding Tripura Gramin Bank are answered at 9878981144.
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