Bandhan Bank Gold Loan

Bandhan Bank Gold Loan Features – Apply Now

Bandhan Bank Gold Loan Interest Rate 7.25% per annum
Bandhan Bank Gold Loan Rate Per Gram
The rate Per Gram is ₹ 3,800 to ₹ 4,350
Bandhan Bank Gold Loan Processing Fee
1.0% of the Principal Loan Amount
Bandhan Bank Gold Loan Minimum Amount
Rs. 10000
Bandhan Bank Gold Loan Maximum Amount
Up to Rs. 1 Crore (With Income Proof)
Bandhan Bank Gold Loan Prepayment Charges
2%+GST (Within 3 Months), 0 (After 3 months)
Bandhan Bank Gold Loan Repayment Tenure
Up to 36 Months
Bandhan Bank Gold Loan Repayment Scheme
Bullet Payment Scheme, Overdraft Scheme

Bandhan Bank issues a Gold Loan per gram rate of₹ 3,800 to ₹ 4,350 in line with the current gold rate. The best Bandhan Bank Gold Loan Rate per gram is₹ 3,800 to ₹ 4,350 for 22 Carat gold, measured at a maximum 75% loan to value, and the average gold price for the last one month for 22-carat is ₹ 3,800 to ₹ 4,350.

You just need to give a call on 9878981144.

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Bandhan Bank Gold Loan Explanation

The gold loan from Bandhan Bank could be the simplest and fastest way to fund your immediate needs at an appealing rate of interest. With small documentation and safe custody, the gold loan from Bandhan Bank is an economical way to rapidly acquire financing. For marriage, education, company expansion and other related uses, the money received from a gold loan may be used.

Bandhan Bank Comparision With Other Banks

Particulars Bandhan Bank SBI HDFC Bank
Interest Rate 7.25% per annum 7.25% per annum 9.90% – 17.55%
Processing Fees Up to 1% of the loan amount 0.50% of the loan amount 1.50% of the loan amount
Loan Tenure 3 months to 36 months 3 months to 36 months 3 months to 24 months
Loan Amount Up to Rs. 1 Crore ₹ 20,000 to ₹ 20 Lakh ₹ 25,000 to ₹ 50 Lakh
Foreclosure Charges 2%+GST (Within 3 Months), 0 (After 3 months) Nil Nil after 3 months
Repayment Options Y Y Y
Lowest EMI Per Lakh ₹ 5,121 per lakh ₹ 3,111 per lakh ₹ 4,610 per lakh

Tips To Get Gold Loan From Bandhan Bank Fast

  • For a gold loan, Bandhan Bank encourages every marked and non-marked gold jewellery. However, with a piece of exceptional jewellery, you can get a very high gold loan per gram, since it lowers the odds of a lower ranking on average. Few banks also charge a reduced price for gold jewellery production.
  • The price of 22 carats of pure gold is set by Bandhan Bank. So, always aim to borrow high-quality jewellery, as gold loans would give you the best value.
  • You could even register for online gold loan application services through Bandhan Bank for quicker processing of gold loans.
 

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Advantages Of Bandhan Bank Gold Loan Scheme

Advantages of Bandhan Bank Gold Loan via Dialabank

  1. Low-interest price.
  2. More express processing.
  3. Your gold is protected and guarded in a bank closet.
  4. You can utilize the gold loan funds for any particular design.
  5. Primary documentation only, No CIBIL score needed.
  6. Adaptable repayment choices as well as more economical monthly outflow.

Know More –  Gold Loan Features and Benefits

 

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Benefits of Bandhan Bank Gold Loan

Bandhan Bank Gold Loan

  1. No processing charges in Bandhan Bank Gold Loan.
  2. Low or no foreclosure sales.
  3. Unsatisfactory credit account, not an investment.
  4. Immediate Processing and Disbursal.
  5. You can hire thousands to a crore.
  6. Bandhan Bank charges a borrower up to .50% on the principal outstanding in case of a Gold Loan Foreclosure.

How Much Gold Loan Can I Get From Bandhan Bank Gold Loan

According to the latest gold prices, Bandhan Bank is offering gold loans per gram at ₹ 3,800 to ₹ 4,350. The Highest Bandhan Bank gold loan rate per gram today is ₹ 3,800 to ₹ 4,350 for 24-carat jewellery calculated at a maximum LTV of 75% and average gold loan prices of the last 30 days in 2021 are ₹ 3,800 to ₹ 4,350 for 22 carats.

Bandhan Bank Gold Loan Per Gram – May 30 2024

Introduction to the Bandhan Bank Gold Loan

Bandhan Bank Gold Loan

Bandhan Bank is the best and trustworthy bank in India. This bank is a financial and banking company headquartered in Kolkata, West Bengal, India. Bank offers different products like Consumer banking, Loans, Mortgage loans, Private banking, and Microfinance. Bank provides easy access to cash to customers.

If you need immediate funds to overcome the financial crisis or to fulfil personal needs, business expansion, medical emergencies, then Bandhan Bank is the right choice for you. Keeping Gold in your Safe or locker will not going to help you, but taking a loan against Gold will definitely.

Bandhan Bank Gold Loan at a meagre rate of interest and provides you with the maximum funding. It will help you in generating cash through the demand draft.

  • Bandhan Bank Gold Loan Rate of Interest is 7.0% per annum
  • Bandhan Bank Gold Loan Per Gram Rate is ₹ 3,800 to ₹ 4,350
  • Bandhan Bank Gold Loan Tenure: Up to 36 months
  • Bandhan Bank Gold Loan Processing Fee is Up to 1.0% of the Loan Amount or Rs 1000(Which one is higher) + GST
 

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Bandhan Bank Gold Loan Eligibility

Gold Loan is a commercial commodity produced by the Bandhan Bank, which caters to your requirements of short term or long term stocks. It is easy to avail of business services rendered by banks at low rates of interest and further demands minimum documentation for the equivalent. Bandhan Bank provides you with the Loan price in 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 of the Bandhan Bank Gold Loan is:

Age 18-70 years of age
Nationality Indian
Employment Status Salaried, Self-Employed
Gold Quality Minimum 18 Carats

 

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Bandhan Bank Gold Gold Loan at Home 

Gold Loan at Home is a doorstep loan service that allows you to borrow money from the convenience of your own home. The service is rapid, flexible, and cost-effective because interest rates are low. You may use the gold loan calculator to calculate the value of your gold or the loan amount before completing a loan request. Obtaining a Gold Loan at home is an easy and quick process that can be done in a matter of minutes.

One of our representatives will contact you and arrive at your home within 30 minutes. The appropriate gold loan amount will be paid immediately to your bank account when all e-documentation and gold identification is completed at your home.

The benefits of getting a gold loan at your doorsteps are:

  • Diverse Range of Gold Loan Schemes
  • Your Gold will just be released the same day.
  • You can get free insurance for your Gold
  • There are no hidden fees.
  • You will get the maximum value of your Gold
  • Service at Your Door in 30 Minutes

Bandhan Bank Gold Loan Documents Required

Gold Loan or Loan Against Gold is a loan product offered to the borrowers by the Bandhan 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 Bandhan 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 Bandhan Bank Gold Loan are :

A duly filled and signed Gold Loan application form shall be submitted along with the following documents:

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 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

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

 

Bandhan Bank Gold Loan Interest Rate, Fees and Charges

Bandhan Bank Gold Loan can fulfil all your urgent short term and long term monetary requirements. The rate of interest that you will be charged depends on the total loan amount as well as the quality/purity of the gold you are to keep as security with the Bank. Gold Loan interest rates offered by the Bandhan Bank are lower in comparison to other loans because it is a fully secured loan.

The Gold Loan interest rates in the Bank start at7.25% per annum.

Bandhan Bank also charges some additional fees along with the rate of interest in some cases, which are :

Bandhan Bank Gold Loan Interest Rate 7.25% per annum
Processing Fee
1.0% of the Principal Loan Amount
Prepayment/Foreclosure Charges
2%+GST (Within 3 Months), 0 (After 3 months)
Valuation Fee
Rs 250 for a loan up to Rs 1.5 lacs and Rs 500 for a loan over and above Rs 1.5 lacs
Late Repayment Charges
2% p.a. + Applicable rate of interest.
Renewal Processing Fees
Rs 350 + GST
 

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Gold Loan Apply Online

You can connect with Dialabank by accompanying the below-mentioned steps to get a Gold Loan as per your demand.

  • Visit Dialabank’s digital program, where you will have to fill in a piece of information without any booking.
  • Our Relationship Director will reach you and help you during the Gold Loan method and escort you in meeting your business requirements.
  • You will get personalized help giving you a choice to connect and get the best contract according to your needs without any extra costs.
  • With Dialabank, you can compare the various offers and plans from multiple banks on the source of funding administered and the rate of interest imposed to choose the best loan deal for yourself

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Why should you apply with Dialabank?

Here are certain points of why one should apply with Dialabank.

  • Firstly, we are here to listen to you and understand your problem and give you a solution for it. We provide customer services to understand you better and build a relationship with you.
  • Secondly, we would not waste your time. We are here to provide you with everything in easier and faster ways.
  • Thirdly, there are easy disbursals. Contact us so that we can understand you and your needs better and help you in every possible way.

Bandhan Bank Gold Loan EMI Calculator

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

  • Gold Loan EMI Calculator is an online tool that can be accessed by individuals to calculate the EMI against the gold loan they plan to avail against the self-owned gold.
  • The gold ornaments have to be kept as security with the lender until the loan is fully reimbursed.
  • Gold Loan EMI calculator can help the applicant to get approx.
  • EMI Calculator can try different rates of interest and reimbursement tenure offered by financial institutions.
 

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Bandhan Bank Gold Loan Details

  • The starting loan amount is ₹10,000
  • There is a flexible reimbursement tenure which starts from 6 – 36 months.
  • There is quick loan disbursement and it takes only 45 mins.
  • There are competitive rates of interest. Contact Dialabank for further information.
  • The processing fee charged here is up to 1% of the total loan amount.
Bandhan Bank Gold Loan Rate 7.0% onwards
Processing Fee 0.50% of the loan amount, minimum-₹ 500
Loan Tenure 3 months to 36 months
Loan Amount Starts from Rs 10,000
Processing Charges 1% of the total loan amount.
Gold Loan Scheme Bullet Repayment Scheme

How To Pay Your Bandhan Bank Gold Loan EMI?

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

  1. Standing Instruction (SI): Person with current record owner with Bandhan Bank, Standing Instruction is the best method of r payment. Your EMI sum will be credited automatically toward the end of the month to month cycle from the Bandhan Bank record you symbolize.
  2. Electronic Clearing Service (ECS): This program can be practised if you have a non-Bandhan Bank record and might need your EMIs to be required consequently approaching the end of the month to month cycle from this account.
  3. Post-Dated Checks (PDC): You can present post-dated EMI checks from a non-Bandhan Bank account at your most neighbouring Bandhan Bank Loan Center. A new composition of PDCs should be provided promptly. It will be exemplary if you perceive Post Dated Checks will be collected non-ECS fields as it were.

Gold Loan Agent Contact Number

You just need to give a call on 9878981144 to avail Bandhan Bank Gold Loan.

 

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Gold Ornaments Accepted By Bandhan Bank Gold Loan 

Bandhan Bank doesn’t consider every type of gold ornament for the loan on gold. There is some limitation.

  1. The purity of the gold ornament should lie between 18 Karats to 22 Karats.
  2. The Bank accepts the gold in the form of an ornament.
  3. Bank refuses to accept the raw gold for a Gold loan.
  4. Furthermore, you can get a gold loan by using gold coins that weigh less than Grams.

Know More- Gold Loan Per Gram

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What type of gold is used to secure the Bandhan Bank Gold Loan

As mentioned above, Bandhan Bank accepts Gold jewellery between 18 and 24 karats. Gold bars or gold coins can also be used to get a secure gold loan from the bank. The third option that the bank accepts for the secured gold loan here is digital gold. But, the digital gold has to be exchanged for cash or jewellery first so that your Bandhan Bank Gold loan would remain secure.

Uses Of Bandhan Bank Gold Loan

The reserves gained by availing of the Bandhan Bank Gold Loan service can be practised for plenty of ideas such as:

  • To support any individual accounts such as a marriage, trip, adjustment of higher education fees, etc.
  • For all your industry demands such as buying raw wool, development of industry, etc.
  • You can also avail of a Gold Loan for farming ideas. The Bank offers lower rates of interest for Gold Loans that are used for agriculture or allied activities.

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Bandhan 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  jewel which is being kept as security
Loan period Adjustment of advance sum inside 2 months from the date of reap of yields

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

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Benefits Of Bandhan Bank 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

Bandhan Bank Gold Loan Overdraft Scheme

Bandhan Bank Offers an Overdraft Scheme. With this, you are provided a loan amount as an overdraft facility. 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 Bandhan Bank Gold Loan Overdraft facility, the bank charges interest only on the amount you withdraw/utilize.

Bandhan Bank Gold Loan Highlights

Age 18 – 75 years
Minimum Loan Amount Rs. 1000
Maximum Loan Amount Rs. 1 Crore
Bandhan Bank Gold Loan Interest Rate 7.25% per annum onwards
Loan Tenure From 3 months to 36 months
Gold Items accepted Jewellery and gold coins sold by banks
Bandhan Bank Gold Loan Processing Charges 1% of the loan amount

How Does Bandhan Bank Gold Loan Work, Here’s An Example

The adequacy of the loan shall be determined in terms of gold purity, LTV as well as gold weight. Presume Mr A1 his two colleagues, Mr B1 and Mr C1, have different values of gold with different purities. Per 22-carat purity, Mr A1 has 50 grams of gold. To get a gold loan, they contacted Bandhan Bank. The price used to measure the acceptability of the gold loan will change with the intensity of the gold according to the high 85 percent LTV which will, thus, contribute to the legitimacy of the gold loan.

 

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FAQs About Bandhan Bank Gold Loan

✅ What is Bandhan Bank Gold Loan?

Bandhan Bank Gold Loans are loans against gold ornaments that are available for eligible applicants at a low rate of interest for a period of 6 to 36 months. The minimum amount of credit that can be taken is Rs. 10000, and the minimum amount of gold to be pledged is 10 grams. You can use this amount to fulfil any emergency requirement of funds, whether personal or professional.

How Can I Get Gold Loan?

Gold Loan comes with easy processing and quick disbursement. The Bank offers a loan of a minimum of Rs. 10000 at attractive rates of interest and tenure of your choosing. You can quickly get a loan by taking your gold to the nearest bank branch. You can also apply online through the Dialabank website. You may call on the number 9878981144 in case of any queries.

How much is the Bandhan bank gold loan rate per gram? 

Bandhan Bank Gold loan per gram is dependent on the quality of your gold and the current price of gold in the market. Bandhan Bank offers Gold Loan at a low rate of interest and provides you with the maximum funding. Currently, you can get around ₹ 3,800 to ₹ 4,350. They charge a minimal processing fee for non-agricultural uses and charge zero fees for agricultural purposes.

How to check gold loan status in Bandhan Bank?

To check the gold loan status in Bandhan Bank, you can fill out your application details on the bank’s website or its app, or you can visit the branch personally.

How to calculate gold loan interest in the Bandhan Bank?

You can calculate your interest by subtracting the loan principal from the final amount. You can also calculate your EMIs using our EMI calculator.

What is the maximum gold loan amount I can avail of on a gold loan from Bandhan Bank?

Bandhan Bank allows you to avail of a loan of amounts from Rs. 10000 to Rs. 1 crore. You can avail of a loan amount of a value of 70% of the gold you gave to the bank as collateral.

What is the loan tenure of the Bandhan Bank gold loan?

The loan tenure extends from 6 months to 36 months. You can choose your tenure. You can also renew your gold loan when this tenure ends. All you have to do is fill a form and pay a pre-decided fee.

How much processing fee is applicable to the Bandhan Bank Gold loan?

The Bank also charges a fee of 1.0% to process your loan.

✅ What are the charges for pre-payment in the Bandhan Bank gold loan?

Pre-payment occurs when you return a section of your first loan sum before the tenure expires. The pre-payment prices vary from 0 to 2% of the loan amount in Bandhan Bank.

How to renew Bandhan Bank Gold Loan online?

To renew your Bandhan Bank Gold Loan, you will have to visit the branch with all the documents related to your loan and apply for a renewal. When the revaluation process of gold is complete. Your loan will be renewed for another tenure.

How to pay Bandhan Bank Gold loan interest online?

You can pay the EMI of the Bandhan Bank Gold Loan online using the net-banking facility of the Bank. However, you will have to visit the Bank and show the receipt to the executive to receive your NDC.

What if I can’t pay the interest on the Bandhan Bank Gold loan for 3 months?

If someone defaults on Bandhan Bank Gold Loan the Bank charges a penalty fee on the amount due and the interest payable. The Bank can also auction the gold to recover the amount if further defaults are made. Your CIBIL score will be reduced which will make your future loan availing process very difficult.

How can I apply for the EMI moratorium on the Bandhan Bank Gold loan?

A moratorium is a predefined time wherein you don’t have to make repayments periodically. You can apply for this either through the online portal or by hitting the bank office and presenting your request details. This can be made only five days before your repayment duration.

How to pay the Bandhan Bank Gold loan through a credit card?

RBI doesn’t allow customers to repay the gold loan utilizing a credit card. Nevertheless, you can pay using a debit card, online transactions, demand drafts, cheques, or cash. You can also repay your gold loan using PayTM.

What is Bandhan Bank Gold Loan Overdraft Scheme?

Bandhan Bank Overdraft Scheme provides a loan amount as a Credit Card letting you spend the Gold Loan Amount as you want. The total loan amount comes with a Credit/Loan Limit. Bandhan bank charges interest only on the amount you used.

What are the foreclosure charges for Bandhan Bank Gold Loan?

Bandhan Bank empowers a borrower to .50% on the key excellent if there should be an event of a Gold Loan Foreclosure.

What is the Bandhan Bank Gold Loan closure procedure?

The Gold loan will only close after the payment is done in full.

✅ What are Bandhan 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.

 What is the minimum gold loan tenure?

The minimum gold loan tenure is 6 months.

What is the customer care number for Bandhan Bank Gold Loan?

All the queries regarding Bandhan bank are answered at 9878981144.