Vidharbha Konkan Gramin Bank Gold Loan

GOLD LOAN @ 0.57%*
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⍟  Highest Rate Per Gram
⍟  Lowest Interest Rate of 0.57% p.m.

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    Vidharbha Konkan Gramin Bank Gold Loan

    About Vidharbha Konkan Gramin Bank Gold Loan

    Vidharbha Konkan Gramin Bank Gold LoanVidharbha Konkan Gramin Bank was established in the year 2013 after the merger of Wainganga Krishna Gramin Bank and Vidharbha Kshetriya Gramin Bank. The bank operates in 17 districts of Maharashtra. And, has 318 branches and 84 Ultra small branches in the entire area of operation. A lot of financial services are provided by this bank namely, Gold Loan, Personal Loan, Home Loan, and many more. Therefore, if you want to overcome any financial trouble through a Gold Loan, Just Click Here.

    What is Gold Loan?

    Gold Loan which is generally stated as a loan against gold is a secured service in which the applicant just has to put ornaments of gold in the bank in return for the loan amount. In addition, the Best Gold loan interest rate is quite affordable in contrast to other services like Personal loans and Homes Loans.

    Advantages of Vidharbha Konkan Gramin Bank Gold Loan

     

    Fewer Documents: Document requirements for availing a Vidharbha Konkan Bank Gold Loan Bank are quite less. The applicants are not asked to provide lengthy proofs in order to avail of the financial service.

    Easily Accessible: Another feature is, Availability of the Vidharbha Konkan gold loan service is great. People can easily avail of gold loans at their closest branches.

    CIBIL Score: In addition to this, Credit Score does not matter in this service, that is, the applicant does not have to worry about low credit repayment history. In fact, if anybody is having a bad repayment history, they can improve the same by taking a Vidharbha Konkan Gramin Bank Gold Loan.

    Foreclosure – In the case of a Jewel Loan Vidharbha Konkan Gramin Bank charges a borrower up to .50% on the principal outstanding

    Vidharbha Konkan Gramin Bank Gold Loan Key Features – Apply Now

    Collateral Gold ornaments
    Gold Loan per gram
    varies depending on the purity of gold
    Age of Borrower 18 – 70 years
    Maximum Loan Amount Up to 10 lakhs
    Maximum Loan to Gold Value Ratio Up to 70%
    The purity of Eligible gold 18 carat to 22-carat gold
    Loan Tenure 12 to 48 months

    Vidharbha Konkan Gramin Bank Gold Loan Eligibility

    The applicant can avail of Vidharbha Konkan Gramin Bank Gold Loan as long as the eligibility criteria are fulfilled:

    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

    Vidharbha Konkan Gramin Bank Gold Loan Documents

    Photographs
    2 Passport-Sized latest colored photos
    Identity Proof
    Aadhar Card, Passport, PAN Card, etc. (Only 1 is required)
    Residence Proof
    Aadhar Card, Driving License, Ration Card, etc. In the case of Rented House then the rent agreement or water/electricity bills for the last three months can be considered. (Only 1 is required)
    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)

    Vidharbha Konkan Gramin Bank Gold Loan Interest Rates

    Gold Loan Rate 7% per annum
    Vidharbha Konkan Gold Loan Repayment Scheme
    Bullet Repayment Scheme, Overdraft Scheme
    Vidharbha Konkan Gold Loan Prepayment Charges 0 – 2 %.
    Vidharbha Konkan Gold Loan Service Charges variable
    Vidharbha Konkan Gold Loan Document Charges variable
    Vidharbha Konkan Gold Loan Gold Valuation Charges variable
    Vidharbha Konkan Gold Loan Processing Fee 0.85%.

    How Much Can I Get Through Vidharbha Konkan Gramin Bank Gold Loan?

    Vidharbha Konkan Gramin Bank Gold Loan Rates/ Gram Jan 2021
    Weight Loan on 18Cr Gold Loan on 20Cr Gold Loan on 22Cr Gold Loan on 24Cr Gold
    1 gm 2444 2726 3009 3291
    10 gms 24440 27260 30090 32910
    20 gms 48880 54520 60180 65820
    30 gms 73320 81780 90270 98730
    50 gms 122200 136300 150450 164550
    100 gms 244400 272600 300900 329100
    200 gms 488800 545200 601800 658200
    300 gms 733200 817800 902700 987300
    500 gms 1222000 1363000 1504500 1645500

    Vidharbha Konkan Gramin Bank Gold Loan Apply Online

    1. First of all, Visit Dialabank
    2. Fill the form given on the gold loan link with your personal and professional details.
    3. Our experts will call you and help you finalize an offer.
    4. You will then have to submit the documents and gold jewellery to the chosen bank.
    5. Your loan will be approved in 5 minutes.
    6. You can avail of the best and trustworthy service. Call us at 9878981144.

    Vidharbha Konkan Gramin 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 Vidharbha Konkan Gramin Gold Bank Gold Loan

    The loan amount acquired by availing the Vidharbha Konkan Gramin Bank Gold Loan service can be used for several purposes such as:

    • To finance personal expenses like a wedding, travel, medical bills, etc.
    • For all your financial business requirements, such as buying raw material, inventory, etc.

    Vidharbha Konkan Gramin Bank Gold Loan  Agricultural Jewel Loan Scheme

    Scheme Vidharbha Konkan Gramin Bank Agricultural Jewel Loan Scheme
    Interest Rate  Starting from 7% 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 Vidharbha Konkan Gramin Bank Gold Loan Agricultural Jewel Loan Scheme

    • There is no processing fee is 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

    Vidharbha Konkan Gramin Gold Loan Overdraft Scheme

    Vidarbha Konkan Gramin Bank Offers an Overdraft Scheme. It works like a Credit Card, where you can spend your Gold Loan Amount as you want anytime anywhere. The overall loan amount will have a Credit/Loan Limit. In the Vidharbha Konkan Gramin Bank Gold Loan Overdraft facility, the bank charges interest only on the withdrawn amount.

    Vidharbha Konkan Gramin Bank Gold Loan FAQs

    ✅ What is Vidharbha Konkan Gramin Bank Gold Loan?

    Vidharbha Konkan Gramin Bank gold loan is a financial service offered by the bank to borrowers on low-interest rates and with quick disbursal. It is the solution to all the financial problems and requirements faced by a man.

    ✅ How Can I Get Gold Loan From Vidharbha Konkan Gramin Bank?

    You can get a Vidharbha Konkan Gramin Bank gold loan by visiting the branch in your vicinity or online through its website. Dialabank also provides you with the option of availing of a gold loan with attractive features through its website.

     ✅ How much Gold Loan Can I get per gram from Vidharbha Konkan Gramin Bank?

    You can get a Vidharbha Konkan Gramin Bank gold loan rate per gram ranging from ₹ 3,506 to ₹ 4,621 depending on the purity of the gold collateral I.e. 18 carats, 20 carats, and 22 carats. However, it also depends on the market price of the yellow metal.

     ✅ How Does Vidharbha Konkan Gramin Gold Loan work?

    The Vidharbha Konkan Gramin Bank gold loan works in a simple manner. You just have to check the eligibility and then take the required documents and the required amount of gold collateral to the nearest bank branch. Your gold will be valued and weighed and the bank will then offer you a loan.

    ✅ What is the Gold Loan interest rate in Vidharbha Konkan Gramin Bank?

    The interest rate for a gold loan in Vidharbha Konkan Gramin Bank starts at 7% per annum. The interest rate is low as a gold loan is secured.

    ✅ How to check gold loan status in Vidharbha Konkan Gramin Bank?

    You can check the gold loan status in Vidharbha Konkan Gramin Bank by emailing the bank your loan details or filling them up on the bank’s website. You can also visit the branch where you had applied for the loan to track its status.

    ✅ How to renew Vidharbha Konkan Gramin Bank Gold Loan online?

    Renewal of a Vidharbha Konkan Gramin Bank Gold Loan is very simple. Visit the branch where your collateral is kept. When you apply for a renewal, the bank will be revalued and the bank will offer you a fresh amount. To do it online, visit the web portal of the bank.

    ✅ How to pay Vidharbha Konkan Gramin Bank Gold loan interest online?

    To pay the Vidharbha Konkan Gramin Bank Gold loan interest rate online, visit the bank’s website or download its mobile app. You can also pay through debit cards and net banking apps.

    ✅ What if I can’t pay the interest on the Vidharbha Konkan Gramin Bank Gold loan for 3 months?

    If you fail to pay your Vidharbha Konkan Gramin Bank gold loan interest for 3 months, your CIBIL score will be affected for the worse. Your gold jewellery would be sold by the bank.

    ✅ How can I apply for the EMI moratorium on the Vidharbha Konkan Gramin Gold loan?

    You can apply for a Vidharbha Konkan Gramin Bank gold loan EMI moratorium if you want a ‘repayment holiday’. Applying for a moratorium is extremely easy and you can do it by visiting the bank branch or its website. This option isn’t available less than 5 days before the EMI payment date.

    How to pay Vidharbha Konkan Gramin Bank Gold loan through a credit card?

    As per RBI Guidelines, the Vidharbha Konkan Gramin Bank Gold loan cannot be repaid via credit cards. Other payment modes such as net banking, debit cards, cheques, DDs can be used for loan repayment.

    ✅ What is the Vidharbha Konkan Gramin  Bank Gold Loan customer care number?

    For contacting the Vidharbha Konkan Gramin Bank Gold loan customer care just dial 9878981144.

    ✅ What is the Vidharbha Konkan Gramin Bank Gold Loan closure procedure?

    • Just go to the bank with the documents.
    • Write a letter for pre-closure of the Vidharbha Konkan Gramin Bank Gold loan account.
    • Pay the pre-closure charges as per Vidharbha Konkan Gramin Bank Gold Loan.

    ✅ What is the Vidharbha Konkan Gramin Bank Gold Loan preclosure charge?

    Up to 2% preclosure charge before 3 months, after that 0.50%.

    ✅ What is the Vidharbha Konkan Gramin Gold Loan maximum tenure?

    The maximum tenure of the Vidharbha Konkan Gramin Bank Gold loan is 48 months.

    What is the Overdraft Scheme for Vidharba Konkan Bank Gold Loan?

    Vidharba Konkan Bank does provide an Overdraft Scheme and the overall loan amount will have a Credit/Loan Limit. In the Vidharba Konkan Bank Gold Loan Overdraft facility, the bank charges interest only on the amount you withdraw/utilize.

    ✅ What is the Vidharba Konkan Bank Gold Loan minimum tenure?

    The minimum tenure for the Vidharba Bank Gold Loan is 3 months.

    ✅ What are the foreclosure charges in Vidharba Bank Gold Loan?

    The bank charges a borrower up to .50% on the principal outstanding in case of a Gold Loan Foreclosure.

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