Yes Bank Gold Loan

Gold Rate: ₹ 5,340 Per Gram

Interest Rate 7.0% p.a. ⍟

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Unlock the Real Value of your Gold
Lowest Rate of Interest
Get Money in 30 Mins
Loan Amount Up to 1 Crore
Loan Tenure Up to 48 Months
Unbiased Experts Advice

Yes Bank Gold Loan Key Features

Collateral Gold ornaments
Gold Loan per gram Rs. 2,455 to Rs. 3,302 depending on the purity of gold
Age of Borrower 18 – 75 years
Maximum Loan Amount Up to 50 lakh
Maximum Loan to Gold Value Ratio Up to 75%
The purity of Eligible gold 18 carat to 22-carat
Maximum Loan Tenure Up to 36 months
Interest Rate 11.25% onwards

Advantages of YES Bank Gold Loan

  1. A gold loan is a fast loan as compares to other loans individual get cash within a day
  2. The gold loan can be taken for education purpose
  3. It tends to help extend a business or working capital requirement
  4. To enhance agribusiness by purchasing apparatus for the water system and different needs
  5. At the point when a healing crisis strikes, a gold loan can be a friend in need.
  6. To get urgent money while going on a trip.
  7. Gives the feeling of utilising a possess advantage for fund your requirements

How Much Loan Can I Get through Yes Bank Gold Loan?

Yes Bank Gold Loan
Weight Loan on 18Cr Gold Loan on 20Cr Gold Loan on 22Cr Gold Loan on 24Cr Gold
1 gm 2455 2737 3020 3302
10 gms 24550 27370 30200 33020
20 gms 49100 54740 60400 66040
30 gms 73650 82110 90600 99060
50 gms 122750 136850 151000 165100
100 gms 245500 273700 302000 330200
200 gms 491000 547400 604000 660400
300 gms 736500 821100 906000 990600
500 gms 1227500 1368500 1510000 1651000

About Yes Bank Gold Loan

Yes Bank Gold LoanYes Bank is one of the most renowned banks in India. It offers a low rate of interest and quick disbursal with minimal Documentation. Why let go of opportunities and dreams due to the financial crisis when you have the gold power with you. Idle Gold in your safe will not give you anything, but Yes Bank Gold Loan will provide you with a chance of fulfilling your dreams. Yes Bank offers Gold Loan at a low rate of interest. The process of getting a Gold Loan is speedy and secure.
Gold Loan is a loan against Gold. Gold is treated as a security. After proper verification of Documents and Gold, the Loan amount is disbursed. It requires minimal Documentation. So from now don’t think much and fulfil your dreams by applying for Yes Bank Gold Loan.

Why choose Yes Bank Gold Loan?

  1. Yes, the bank offers a very Low Rate of Interest to the customer.
  2. Bank provides the facility of quick disbursal to the customer.
  3. The bank offers fast disbursal on Yes Bank Gold Loan.
  4. Basic documentation and low paperwork.
  5. It charges low processing fees.
  6. Guarantor/collateral is not required.

Know More –  Gold Loan Features and Benefits

Advantages of YES Bank Gold Loan

  1. A gold loan is a fast loan as compares to other loans individual get cash within a day
  2. The gold loan can be taken for education purpose
  3. It tends to help extend a business or working capital requirement
  4. To enhance agribusiness by purchasing apparatus for the water system and different needs
  5. At the point when a healing crisis strikes, a gold loan can be a friend in need.
  6. To get urgent money while going on a trip.
  7. Gives the feeling of utilising a possess advantage for fund your requirements

Yes Bank Gold Loan Eligibility

Gold Loan is a financial product provided by the Yes bank which caters to your needs of short term or long term funds. It is easy to avail commercial service provided by banks at low rates of interest and also requires minimal documentation for the same. Yes, the bank gives you the Loan amount within an hour of application as the valuation and approval process is quickly done, keeping in mind your urgency regarding the need for funds.

Major Eligibility criteria for availing the Yes Bank Gold Loan is: 

Age 18-75 years
Requirements Gold ornaments (18-22 carats)
CIBIL score Above 500

Yes Bank Gold Loan Documents Required

Gold Loan or Loan Against Gold is a loan product offered to the borrowers by the Yes bank wherein funds are provided for fulfilling the financial needs of the applicant. The gold ornaments of the applicant are kept as security by the bank in exchange for the funds. The entire Yes Bank Gold Loan process is hassle-free and easy to get with minimal documentation. The bank ensures high security of your gold ornaments till the loan is closed.

Documents required for Applying for Yes Bank Gold Loan are :

Identity Proof Aadhar Card/Pan Card/ Passport/ Voter ID
Residence Proof  Aadhar Card /Pan Card/ Ration Card/ Utility Bills on the name of the applicant/ Rental Agreement of applicant/ Voter ID card.
Agriculture Proof ( only if applicable) Agriculture Land Ownership Proof
Photographs 2 Passport sized coloured

**Any other documents as requested by the bank shall be duly submitted.**

Yes Bank Gold Loan Interest Rate, Fees and Charges

Yes Bank Gold Loan Rate 11.20% onwards
Processing Fee 1.5% of the loan amount
Loan Amount ₹ 25,000 to ₹ 50 lakh
Prepayment Charges 2% of the outstanding principal amount

Know More – Top Reasons why Gold Loan is the best borrowing option

Types of Yes Bank Gold loan

  • Bullet Repayment: In this, the borrower is required to repay the interest amount every month while the principal amount of the loan is liable to be paid at the end of the loan tenure.
  • EMI Facility: is the monthly instalment that a borrower can choose to repay. The repayment amount consists of both the principal amount as well as the interest rate.

Yes Bank Gold Loan Apply Online

Applying for the Yes Bank Gold Loan service is a hassle-free and straightforward process which can be done from the comfort of your home. You can do it online by visiting the bank’s official website and submitting a form with necessary information regarding yourself and the Gold Loan you wish to avail. You will then need to visit the branch with the required documents and your gold.

You can also apply with Dialabank by following the below-mentioned steps to get a Gold Loan as per your need.

  • Visit Dialabank’s digital platform, where you will have just to fill a form without any registration.
  • Our Relationship Manager will contact you and assist you throughout the Gold Loan process and guide you in fulfilling your financial needs.
  • You will get personalised service, giving you the option of comparing and taking the best deal according to your needs without any extra charges.
  • With Dialabank, you can compare the different offers and schemes from different banks based on funding provided and the rate of interest charged for choosing the best loan deal for yourself.
gold loan at 1%

Yes 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

How to Pay Your Yes Bank Gold Loan EMI?

Your Yes Bank gold advance can be reimbursed in the following three different ways.

  1. Standing Instruction (SI): For Yes Bank users.
  2. Electronic Clearing Service (ECS): For Non-Yes Bank users.
  3. Post-Dated Checks (PDC): You can submit post-dated EMI checks from a non-Yes Bank account at your closest Yes Bank Loan Center.

Yes Bank Gold Loan Contact Number

For any sort of assistance regarding Yes Bank gold loan, you can contact us on the number 9878981144.

Gold Ornaments Accepted by YES Bank

Gold jewellery of 18-24 carats such as Gold Bangles, Gold rings, Gold anklets, and Gold necklaces, all of these are accepted for availing a Gold Loan.

Uses of Yes Bank Gold Loan

The funds acquired by availing the Yes Bank Gold Loan service can be used for several purposes such as:

  • To finance any personal expenses such as a wedding, travel, payment of higher education fees, etc.
  • For all your business needs, such as buying raw material, expansion of business, etc.
  • You can also avail a Gold Loan for agricultural purposes. The bank offers lower rates of interest for Gold Loans that are used for agriculture or allied activities.

Know More –  Five mistakes to avoid while applying for a Gold Loan

FAQs About Yes Bank Gold Loan

✅ What is Yes Bank Gold Loan?

Yes bank provides Gold Loan to people aged 18-75 years at attractive interest rates depending on the amount to be sanctioned and the quality of your gold. Yes bank gives gold loans starting from Rs 25100 to a maximum of Rs 50 lacs with a tenure commencing between 3 to 36 months.

✅ How can I get the Gold Loan from Yes Bank?

You can get a gold loan from Yes Bank by either personally visiting any of the branches near you or you can apply online with Dialabank by simply filling a form online. Once your documentation is verified the loan amount will be disbursed in the account.

✅ How much Gold Loan can I get per gram in Yes Bank?

You can get a gold loan of Rs 2455 – Rs 3302 per gram in Yes Bank.

How does Yes Bank Gold Loan work?

Yes Bank gold loan amount will be instantly disbursed once you pledge your gold with the Bank and fulfil the documentation.

✅ What is Gold Loan Interest Rate in Yes Bank?

The gold loan interest rate in Yes Bank starts at 11.2% per annum.

✅ How to check Gold Loan status in Yes Bank?

To check your gold loan status in Yes Bank just follow the steps given below:

  • Visit the Yes Bank web page.
  • Fill in your personal details and unique credentials to log in.
  • Track the status of your loan application.

✅ How to calculate Gold Loan Interest in Yes Bank?

You can calculate the gold loan interest on your Yes Bank Loan by simply subtracting the borrowed amount from the payable loan amount.

✅ What is the maximum loan amount I can avail on Gold Loan from Yes Bank?

You can avail a Gold Loan of up to Rs 50 lakh from Yes Bank provided you fulfil the eligibility requirements.

✅ What is the loan tenure of Yes Bank Gold Loan?

The loan tenure for which Yes Bank Gold loan is available is from 3 months to 36 months.

✅ How much Processing Fee is applicable on Yes Bank Gold Loan?

The processing fee applicable on Yes Bank Gold Loan is 1.5% of the loan amount.

✅ What are the charges for Prepayment in Yes Bank Gold Loan?

The prepayment charges in Yes Bank Gold loan is 2% of the outstanding loan amount.

✅ How to renew Yes Bank Gold Loan Online?

To renew Yes Bank loan against gold online you will have to apply for the same on Yes Banks’ portal.

✅ How to Pay Yes Bank Gold Loan Interest Online?

You can pay Yes Bank loan amount online using any of the modes available like e-wallets, net banking, m-banking, debit cards etc.

✅ What if I can’t pay the interest on Yes Bank Gold Loan for 3 months?

If you cannot pay your Yes Bank gold loan amount for 3 months the bank will warn you to repay the loan amount on time. If, in case you continuously make loan defaults the bank will have all rights to sell your gold ornaments pledged.

✅ How can I apply for EMI Moratorium on Yes Bank Gold Loan?

You can apply for EMI Moratorium on Yes Bank gold loan either by visiting the branch personally and filling the form for the same or can also apply online on Yes Bank’s website by logging in with your credentials.

✅ How to pay Yes Bank Gold Loan through Credit Card?

Paying Yes Bank gold loan through credit card is not possible and authentic as per the RBI guidelines.

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