AU Small Finance Bank Gold Loan

AT 0.75%* INTEREST RATE
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AU Small Finance Bank Gold Loan

AU Small Finance Bank Gold Loan Key Features – Apply Now

AU Small Finance Bank Gold Loan Interest Rate 7.25% per annum
AU Small Finance Bank Gold Loan Per Gram
Rate Per Gram Today is ₹ 3,800 to ₹ 4,350
AU Small Finance Bank Gold Loan Maximum Amount
Up to 15 Lakhs
AU Small Finance Bank Gold Loan Maximum Amount
70% LTV
AU Small Finance Bank Prepayment Charges
NIL
AU Small Finance Bank Repayment Tenure
12 months
AU Small Finance Bank Repayment Scheme
Bullet Payment Scheme, Overdraft Scheme

Introduction to AU small finance bank gold loan:

When you are in need of money, it is difficult to arrange things at a point unless if you don’t have a  strong source to arrange money. If you have an idle amount of gold with you then your problem can be solved in a faster way.

About AU Small Finance Bank Gold Loan

AU Small Finance Bank offers loans against gold at contentious interest rates. AU Small Finance Bank Gold Loan as one of the major gold loan providers understands the needs of the customers and disburses the loan amount in one hour. The pledged gold is locked safely in the vault and the borrower does not have to worry about its safety.

The Gold Rates and all other charges are announced to the borrower upfront in a transparent manner before sanctioning the loan amount. Hence borrower does not have to worry about the hidden charges and fees on their AU Small Finance Bank Gold Loan.

Know More – What happens when you don’t pay a Gold Loan?

Advantages of AU Small Finance Bank Gold Loan 

Advantages of AU Small Finance Bank Gold Loan via Dialabank

There are many advantages when it comes to AU Small Finance bank Gold loan:

  • Au Small Finance Bank gold loan is disbursed in 5 minutes.
  • It charges interest rates as low as7.25% per annum.
  • The Bank ensures the complete safety of your jewellery
  • You have affordable repayment options
  • Repayment is also flexible
  • You don’t require a third party of the gold loan
  • Basic eligibility
  • The loan does not depend on credit history
  • No income proof requirement
  • The bank charges 0.50% of the principal amount as foreclosure charges

How Much Gold Loan Can I Get Through AU Small Finance Gold Loan

As per the ultra-modern riches prices, AU Small Finance Gold Bank affords a gold loan through thorp regarding ₹ 3,800 to ₹ 4,350. THE highest AU Small Finance Bank riches mortgage dimension per village lately is

for 22-carat jewellery considered at the most LTV concerning 75% then average gold loan expenditures of remaining 30 days of 2021 is ₹ 4,129 regarding 22 carats.

AU Small Finance Bank Gold Loan Per Gram 

Updated - Gold Loan Per Gram Rate w.e.f Jun 20 2024

Gold Weight Gold Purity
24 Carat
Gold Purity
22 Carat
Gold Purity
20 Carat
Gold Purity
18 Carat
1 gram 4621 4290 3900 3510
10 gram 46210 42900 39000 35100
20 gram 93600 85800 78000 70200
30 gram 140400 128700 117000 105300
40 gram 187200 171600 156000 140400
50 gram 234000 214500 195000 175500
100 gram 468000 429000 390000 351000
200 gram 936000 858000 780000 702000
300 gram 1404000 1287000 1170000 1053000
400 gram 1872000 1716000 1560000 1404000
500 gram 2340000 2145000 1950000 1755000

Who can get AU Small Finance Bank Gold Loan?

  1. Any employed individual (whether salaried or self-employed)
  2. Housewives
  3. Students who are not minors
  4. The population involved in the agricultural sector

GOLD LOAN @ 0.75%*

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Form of Gold Accepted for AU Small Finance Bank Gold Loan

AU Small Finance Bank accepts all forms of gold jewellery between 18 to 22 carats such as rings, anklets, bracelets, necklaces, etc. You have to give a minimum of 10 grams of jewellery as collateral. Note that the jewellery’s weight should be calculated only by the weight of the gold and not the stones in it.

Banks don’t accept gold bars or raw gold. However, they accept minted coins up to 50 grams

Documentation Required for AU Small Finance Bank Gold Loan

Photographs 2 Passport Size
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

Note: AU Small Finance Bank can ask for additional documents as per the needs and requirements.

AU Small Finance Bank Gold Loan Eligibility

Age 18-70 years of age