Major Gold Loan Providers in Bangalore
| 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 |
Gold Loan Bangalore Features
Your gold is an asset that can help you during a financial crunch or when you are in need of urgent lumpsum money in hand. A gold loan is a type of secured loan in which gold is kept as collateral security in exchange for monetary help.GOLD LOAN @ 0.75%*
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Key Features:
⍟ Get Loan in 30 Minutes
⍟ Highest Gold Rate in India
⍟ 100% Safety of Your Gold
⍟ Minimum Documentation
⍟ Without EMI Gold Loan
⍟ Gold Loan in 1 Visit
⍟ No Melting of Gold
⍟ 24 x 7 Online Payment Facility
⍟ No Hidden Charges
Gold Loan Bangalore Interest Rates – Mar 15 2025
| Bank | Interest Rate |
| HDFC Bank Gold Loan | 9.9% to 14% |
| Axis Bank Gold Loan | 10.50% to 16% |
| Private Bank Gold Loan | 10.75% to 16% |
| SBI Gold Loan | 9.5 % to 13% |
| Kotak Gold Loan | 11% to 14% |
| IIFL Gold Loan | 9.24% to 24% |
| Muthoot Gold Loan | 12% to 24% |
| Manappauram Gold Loan | 12% to 26% |
| PNB Gold Loan | 10.05% to 16% |
| Canara Bank Gold Loan | 9.75 % to 13% |
| Andhra Bank Gold Loan | 10.70% to 16% |
Gold Loan Per Gram For All Major Bank in Bangalore – Mar 15 2025
| Bank / NBFC | Rate Per Gram | Interest Rate | Gold Loan Tenure | Min - Max Loan Amount |
| HDFC Gold Loan | ₹ 3,506 to ₹ 4,621 | 9.90% | 3 to 24 months | ₹ 10 thousand to 5 crore |
| Private Gold Loan | ₹ 3,506 to ₹ 4,821 | 10.00% | 6 to 12 months | ₹ 10 thousand to 5 crore |
| Muthoot Finance Gold Loan | ₹ 3,506 to ₹ 4,621 | 12.00% | 7 days to 36 months | ₹ 3 thousand to 1 crore |
| Manappuram Gold Loan | ₹ 3,506 to ₹ 4,621 | 12.25% | 12 months | ₹ 3 thousand to 1 crore |
| Canara Bank Gold Loan | ₹ 3,506 to ₹ 4,621 | 10.25% | 36 months | ₹ 20 thousand to 50 lakh |
| Axis Bank Gold Loan | ₹ 3,506 to ₹ 4,621 | 10.00% | 3 to 36 months | ₹ 10 thousand to 5 crore |
| SBI Gold Loan | ₹ 3,506 to ₹ 4,621 | 9.75% | 12 to 36 months | ₹ 20 thousand to 50 lakh |
| Indian Bank Gold Loan | ₹ 3,506 to ₹ 4,621 | 7.50% | 3 to 36 months | ₹ 20 thousand to 50 lakh |
| Bank of Baroda Gold Loan | ₹ 3,506 to ₹ 4,621 | 10.25% | 12 months | ₹ 20 thousand to 50 lakh |
| Yes Bank Gold Loan | ₹ 3,506 to ₹ 4,621 | 10.25% | 12 months | ₹ 10 thousand to 5 crore |
| IIFL Gold Loan | ₹ 3,506 to ₹ 4,621 | 12.00% | 11 months | ₹ 3 thousand to 50 lakh |
Eligibility Criteria for Gold Loan in Bangalore
| Minimum and Maximum Age |
21 Yrs – 60 Yrs
Note: However, many banks require a minimum age of 23 years |
| Loan Amount |
Up to ₹ 2 Cr. Some banks restrict maximum eligibility to ₹ 20 Lakh
Interest rates are lower for a higher loan amount |
| Employment Type |
Salaried and self-employed both are eligible
Businessmen are increasingly taking gold loans to meet their working capital requirements. In fact, housewives, senior citizens who are not eligible for other loans because they have no income proofs can easily avail of gold loans. |
| Quality of Gold |
Gold ornaments should range in between 18 to 24 Carats
An average gold price of 22-carat gold for the preceding 30 days is adjusted down for purity. So, the price of 20 Carat jewellery can be estimated by multiplying the price of 22 Carat jewellery by a factor of 20/22 |
| CIBIL Score |
Banks do not check CIBIL score for granting a gold loan
However, your repayment track record for a gold loan is counted towards your CIBIL score and hence, can be instrumental in building your CIBIL score |
| Gold ornaments that can be used for availing loan |
Gold bars and coins
Gold with 18-24 carat purity |
| Employment track record and income proofs |
Banks do not check your job stability or business stability to sanction you a gold loan. Gold loans are granted without income proofs. You only need to submit your basic KYC documents such as address proof, identity proof, and an Aadhaar card to avail of this loan.
|
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Documents for Gold Loan Bangalore
At the time of application the following documents are required:
- Proof of the citizenship of India
- Duly filled application form
- 2 passport-sized photographs
- Applicant’s KYC documents to establish Identity and Address
- Salary/ Income Proof
- Witness Letter in case of illiterate borrowers
- In the case of Agriculture Loan of more than Rs. 1 lac, land proof
- Certificate by the Jewel Appraiser (Bank will arrange)
At the time of disbursement the following documents are required:
- Demand Promissory Note & Demand Promissory Note Take Delivery Letter
- Gold Ornaments Take Delivery Letter
- Arrangement Letter
Eligibility Criteria for Gold Loan Bangalore
- The applicant should be at least 21 years of age
- The applicants’ age should not be more than 60 years
- They should be a national citizen
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How to Apply for Gold Loan Bangalore
Online Process to Apply for Gold Loan Bangalore
To apply for a Gold Loan Bangalore, Applicants don’t need to visit the bank’s branch as applicants can apply for it online at Dialabank. The process is straightforward & handy. This involves only a few steps:
- Fill the form.
- Relationship Manager Will Call applicant in Next 2 Working Hours.
- Compare gold loan offers from several banks and NBFCs on the Dialabank website.
- Check the eligibility and View the best offers available.
- Select the desired bank or keep in contact with the Relationship Manager of Dialabank for more assistance.
- After selecting the bank, fill out a form to process the loan application.
- Upload all the documents or schedule document pickup from home or office.
- After your documents are verified, the bank’s executive will give the applicant a verification call.
- The amount will get disbursed to the applicant’s account within 3-5 working days if the loan gets approved.
Offline Process to Apply for Gold Loan Bangalore
The applicant also has an option to avail of a Gold Loan per gram from the nearby branches. To do so, search Gold Loan near me on google. It will enlist all the neighbouring departments from where you can avail of the loan. Then, you will have to visit again and again until the loan approval.
Thus, it can be a very tiring and time-consuming process. You can avail of loans from Gold Loan Branches. As well as to find a branch that is nearby, search Gold Loan near me. Google will enlist all the Gold Loan Branches near you.
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Processing Fees / Prepayment Charges on Gold Loan Bangalore
Bank |
Processing Fee |
Prepayment Charges |
HDFC Bank Gold Loan |
0.25% to 1.50% |
2%, Nil foreclosure charges after 3 months |
Axis Bank Gold Loan |
0.50% to 1.50% |
Nil |
Private Bank Gold Loan |
0.25% to 1.50% |
2%, Nil foreclosure charges after 9 months |
SBI Gold Loan |
500/- to 0.50% |
Nil |
Kotak Gold Loan |
1% to 2% |
2.25% of fore closure amount if closed 1 month ahead of the tenure.
|
IIFL Gold Loan |
Nil |
Nil |
Muthoot Gold Loan |
Nil |
Nil |
Manappauram Gold Loan |
Nil |
Nil |
PNB Gold Loan |
0.70% to 1% |
Nil |
Canara Bank Gold Loan |
1% |
Nil |
Andhra Bank Gold Loan |
Nil |
Nil |
EMI Gold Loan Scheme with Bullet Repayment Scheme Comparison
| Monthly Payment | EMI Scheme (₹) |
Bullet Repayment (₹)
|
| Month 1 | 27007 | 3625 |
| Month 2 | 27007 | 3625 |
| Month 3 | 27007 | 3625 |
| Month 4 | 27007 | 3625 |
| Month 5 | 27007 | 3625 |
| Month 6 | 27007 | 3625 |
| Month 7 | 27007 | 3625 |
| Month 8 | 27007 | 3625 |
| Month 9 | 27007 | 3625 |
| Month 10 | 27007 | 3625 |
| Month 11 | 27007 | 3625 |
| Month 12 | 27007 | 3625 |
|
Bullet Payment (At the end of 12 months)
|
₹ 3 Lakh | |
| Total Payment | ₹ 3.24 Lakh | ₹ 3.44 Lakh |
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CIBIL Score Required for Gold Loan Bangalore
You can improve your CIBIL Score by repaying the Gold Loan Amount on time. No CIBIL score is considered for granting gold loans to the customer.
Compare Gold Loan Rate Per Gram and Lowest EMI of All banks in Bangalore
| Bank | Interest Rate | Lowest EMI Per Lakh |
Eligible Loan Amount For Max Tenure
|
| SBI Gold Loan | 7.50% | Rs. 3,111 |
Rs. 20 Lakh for 36 months
|
| Muthoot Gold Loan | 11.99% | Rs. 3,321 |
Rs. 50 Lakh for 36 months
|
| Manappuram Gold Loan | 12.00% | Rs. 8,885 |
Rs. 1 Cr for 12 months
|
| HDFC Bank Gold Loan | 9.90% | Rs. 4,591 |
Rs. 50 Lakh for 24 months
|
| Yes Bank Gold Loan | 9.99% | Rs. 3,226 |
Rs. 50 Lakh for 36 months
|
| Private Bank Gold Loan | 10.00% | Rs. 8,792 |
Rs. 15 Lakh for 12 months
|
| Federal Bank Gold Loan | 8.50% | Rs. 8,722 |
Rs. 75 Lakh for 12 months
|
| Canara Bank Gold Loan | 7.65% | Rs. 8,683 |
Rs. 10 Lakh for 12 months
|
| Andhra Bank Gold Loan | 10.70% | Rs. 8,824 |
Rs. 2 Cr for 12 months
|
| Axis Bank Gold Loan | 13.00% | Rs. 4,754 |
Rs. 20 Lakh for 24 months
|
| IndusInd Bank Gold Loan | 10.00% | Rs. 8,792 |
Rs. 10 Lakh for 12 months
|
| PNB Gold Loan | 8.75% | Rs. 8,734 |
Rs. 10 Lakh for 12 months
|
| Fincare Small Finance Bank Gold Loan | 12.99% | Rs. 11,721 |
Rs. 40 Lakh for 9 Months
|
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Gold Loan Bangalore Agents
Dialabank is the leading agent for availing of Gold Loans in Bangalore. You can apply online at www.dialabank.com or give a call at 98789811644
Dialabank helps you to find the best option for Banks and NBFCs by providing you with a detailed market comparison of different banks so that you can make the right choice. Visit our website www.dialabank.com and fill a simple form with your Gold and employment details. Our customer relationship managers will soon get in touch with you.
Gold Loan Bangalore Contact Number
Call 9878981144 and get instant help and approval for Gold Loan in Bangalore.
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Pre Calculated EMI Table for Gold Loan Bangalore
Rate |
5 Yrs |
4 Yrs |
3 Yrs |
10.50% |
2149 |
2560 |
3250 |
11.00% |
2174 |
2584 |
3273 |
11.50% |
2199 |
2608 |
3297 |
12.00% |
2224 |
2633 |
3321 |
12.50% |
2249 |
2658 |
3345 |
13.00% |
2275 |
2682 |
3369 |
13.50% |
2300 |
2707 |
3393 |
14.00% |
2326 |
2732 |
3417 |
14.50% |
2352 |
2757 |
3442 |
15.00% |
2378 |
2783 |
3466 |
About Bangalore
Bangalore is the capital city of Indian State Karnataka. Bangalore is officially known as Bengaluru, located in Southern India. It is the third most populous city. Bangalore is known as the Silicon Valley of India. Bangalore is a colourful city that has the participation of every culture present in India. Bangalore is one of the biggest contributors to the Indian Economy.
गोल्ड लोन बैंगलोर के बारे हिंदी में जानिए: गोल्ड लोन बैंगलोर
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Gold Loan Bangalore FAQs
✅ What is gold loan?
The gold loan also referred to as ‘loan against gold’, is a type of secured loan that a person can avail by keeping their gold ornaments as collateral security with the lender. Unlike other secured loans like car loans or home loans, a gold loan can be used for any purpose.
✅ How to get a gold loan in Bangalore?
To get a gold loan in Bangalore, a borrower can either visit the nearest gold loan offering bank branch with their gold and basic documents such as Aadhar Card and PAN Card, or they can fill an inquiry form online at Dialabank’s digital platform for better convenience and personalized assistance.
✅ What is the gold loan interest rate in Bangalore?
Gold loan interest is the monthly amount a borrower pays in addition to the principal loan amount. Different banks and financial institutes offer different rates of interest. On average, this rate varies between 10.50% and 12% per annum.
✅ Which bank is best for gold loans in Bangalore?
HDFC Bank currently offers the best gold loan services in Bangalore. Starting with the low rates of interest, HDFC Bank offers various other facilities like a personal locker for your gold, same day disbursement of the loan amount, and the highest LTV ratio, to name a few.
