Barclays Finance Gold Loan


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Barclays Finance Gold Loan

Barclays Finance Gold Loan Key Features

Barclays Finance Gold Loan Interest Rate 7.25% per annum
Barclays Finance Gold Loan Per Gram Rate Per Gram Today ₹ 3,800 to ₹ 4,350
Age Criteria 18 to 65 years
Maximum Loan Amount Up to 1 crore
Maximum Loan to Gold Value Ratio Up to 75%
The Purity of Eligible gold 18 to 22-carat gold
Maximum Loan Tenure 10 yrs (After 1-year renewal is required)
Min ROI Per Lakh Rs. 833

Advantages of Barclays Finance Gold Loan

  1. Instant Gold Loan: The sum of the Loan in Barclays Finance’s Gold Loan ranges from Rs. 10,000 to Rs. 1 crore.
  2. Gold Ornament: The loan can only be availed on loan ornaments.
  3. Loan Tenure: When it comes to avail a gold loan, then it holds a maximum duration of 10 years.
  4. Value for Gold: A professional Appraiser will be made available by the bank for evaluating the purity of your gold.
  5. Safety and security: After figuring out the valuation of Gold, the professionals put the Gold in a sealed pouch, packs it, and safely place it in the vault of the bank. The procedure takes place in the presence of the client. This makes sure that the borrower’s Gold is entirely safe and secured in the bank’s possession.
  6. Approval duration: Within 30 minutes, you can get the Loan.
  7. Bank provides special offers to the existing account holders.
  8. The maximum LTV ratio is 75%, and it is fixed by RBI (Reserve Bank of India).
  9. Many banks grant higher interest rates for a shorter tenure and lower rates of interest for a higher tenure, but Private bank doesn’t do so. The mandate for the gold loan is fixed for all customers. It is up to 10 years.
  10. The bank provides Gold Loan for agricultural activities at lower rates of interest.

How Much loan Can I Get through Barclays Finance Gold Loan?

Barclays Finance Gold Loan Rate Per Gram is ₹ 4,129 22-carat jewelry is calculated at a maximum LTV of 75%. Loan per gram keeps on changing every day as per the price of the gold.

Barclays Finance Gold Loan Per Gram – Update Jun 24 2024.
  • Barclays Finance Gold Loan Rate Per Gram is ₹ 3,800 to ₹ 4,350.
  • Barclays Finance Gold Loan Tenure is up to 10 years. (after 1-year renewal)
  • Barclays Finance Gold Loan processing fee is 1% + GST.
  • Barclays Finance Gold Loan Eligibility

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

    The Barclays Finance Gold Loan eligibility requirements are as follows:

    Barclays Finance 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

    Barclays Finance Gold Loan Documents Required

    Availing a Barclays Finance Gold Loan requires the following documents:

    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 colored


    Barclays Finance Gold Loan Interest Rate, Fees and Charges

    Barclays Finance Gold Loan 

    Interest Rate  7.25% per annum
    Processing Fee 1% of the loan amount
    Renewal Fees Rs 250- Rs 500 (depending on the loan amount)
    Loan Amount ₹ 10,000 to ₹ 1 crore
    Prepayment Charges 1% of the outstanding principal amount
    Document Charges Rs 199 (for loans up to 1-year tenure)

    Types of Barclays Finance Gold Loan

    • Bullet Repayment: This is the most often used means for short duration loans when it comes to repayment of Loan Against Gold. In this arrangement, the borrower has to pay the Barclays Finance Gold Loan Interest Rate throughout the tenure of the loan. This means that the principal value has to be settled at the finish of the loan tenure.
    • Overdraft Facility: Most popularly used by the self-employed people because of the fluctuating money requirements of such business people. Through this service, one can withdraw money according to his own needs.
    • EMI Facility: This is another scheme that customers can choose for the repayment mode of the Loan Against Gold. In this, a fixed amount is calculated that the applicant has to pay monthly in the form of monthly installments. This value includes a part of the principal amount and the Barclays Finance Gold Loan Interest Rate.

    Barclays Finance Gold Loan Apply Online

    The process to apply online for an Gold Loan is as follows:

    • Visit the digital platform of Dialabank.
    • Fill a form for a gold loan, with the details like location and amount of gold.
    • Our relationship manager will get in touch with you over your provided number.
    • Choose the best loan for yourself and avail it instantly with Dialabank.

    How to Pay Your Barclays Finance Gold Loan Loan EMI?

    Your Barclays Finance Gold Loan advance can be reimbursed in the following three different ways.

    1. Standing Instruction (SI): for current holders of Barclays Finance  Bank account.
    2. Electronic Clearing Service (ECS): for borrowers of non-Barclays Finance Gold Loan.
    3. Post-Dated Checks (PDC): Post-dated cheques can be posted from a non – Barclays Finance account nearby.

    Barclays Finance Gold Loan Contact Number

    For any sort of assistance regarding Barclays Finance, you can contact us on the number 9878981144.

    Gold Ornaments accepted by Barclays Finance Gold Loan

    • Barclays Finance admits only Gold of 18 carats and 22 carats.
    • The Bank accepts only gold jewellery as security.
    • Minted coins are not granted.

    Use Of Barclays Finance Gold Loan

    1. Faster processing – Gold loans are regarded as secured loans. Therefore, they do not require any problematic acceptability guidelines terms, and documentation, which presents it as one of the most rapid processing loans.
    2. Lower interest rate – In comparison with unsecured loans such as personal loans, gold loans are secured loans, need a more reasonable price of interest on the loan amount.
    3. Multipurpose – The loan value can be used for numerous objectives like financing a holiday, comprising wedding investments, clearing off pharmaceutical bills, etc.
    4. Business Purpose- You can apply for the Barclays Finance Gold Loan for all your shopping needs, such as buying raw material, generating sales, etc.
    5. Agricultural Purpose- Get a special rate of interest on the gold loans for cultivation persistence.

    FAQs About Barclays Finance Gold Loan

    What is Barclays Finance Gold Loan?

    Barclays Finance is a borrowing option available to all individuals who own any form of gold jewelry and are in urgent need of cash. The Barclays Finance Gold Loan is a multi-purpose loan and can be used for any sort of financial constraints like medical expenses, weddings, etc.

    ✅ How Can I Get Gold Loan From Barclays Finance?

    You can get a gold loan from Barclays Finance in the following few clicks:

    • Fill in your necessary details in the form available on Dialabank.
    • Our trained relationship manager will get back to you within 30 minutes.
    • We will suggest you the Loan which meets your requirements, in your specific region.
    • Visit the nearest assigned branch.
    • Get the loan amount in just 30 minutes.

    ✅ How much Gold Loan Can I get per gram from Barclays Finance?

    Barclays Finance Gold Loan Rate Per Gram is ₹ 3,800 to ₹ 4,350. It varies according to the quality of your gold.

    How Does Barclays Finance Gold Loan work?

    The Barclays Finance Gold Loan works as a simple borrowing service available for any individual who is in need of urgent cash and has gold ornaments available for collateral security. On pledging the gold with the bank, the borrower can avail up to 75% of the LTV of the gold which can be repaid later in the form of EMIs.

    ✅ What is Gold Loan interest rate in Barclays Finance?

    The Barclays Finance Interest Rate is7.25% per annum.

    ✅ How to check gold loan status in Barclays Finance Gold Loan?

    To check your Gold Loan status in Barclays Finance, online, just visit the Bank’s online portal and fill up a simple form with your Gold Loan application details.

    ✅ How to calculate gold loan interest in Barclays Finance?

    To calculate the gold loan interest in Barclays Finance just subtract the principal amount from the total loan amount to be paid by the borrower.

    ✅ What is the maximum gold loan amount I can avail on gold loan from Barclays Finance?

    The maximum gold loan amount that can be availed on a gold loan from Barclays Finance is up to 75% of the gold jewelry’s value kept as collateral.

    ✅ What is the loan tenure of Barclays Finance Gold Loan?

    The loan tenure of Barclays Finance Gold Loan is up to 10 years. But you will be required to renew your loan after 1 year.

    ✅ How much processing fee is applicable On Barclays Finance Gold Loan?

    A processing fee of up to 1% + GST is applicable on Gold Loan.

    ✅ What are the charges for renewal in Barclays Finance Gold Loan?

    The charges for renewal in Gold Loan ranges from Rs 250 – Rs 500.

    What are the charges for pre-payment in Barclays Finance Gold Loan?

    The charges for prepayment of Gold Loan is up to 1% of the outstanding loan amount.

    ✅ How to renew Barclays Finance Gold Loan online?

    To renew your Gold Loan online simply log in into your i-mobile app account and renew your gold loan under the Gold Loan section by entering the loan account details.

    ✅ How to pay Barclays Finance Gold Loan interest online?

    You can pay the gold loan interest online using online payment options available or can simply visit their online portal and make your loan payments through net banking, debit cards, or through the i-mobile app.

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

    If you can’t pay the interest on this for 3 months, Barclays Finance will charge you with penal interest. If there are continuous defaults, the Bank will at first remind you of your pending dues or send a legal notice if repayment requests go unheard. Defaulting on your Gold Loan not only results in a decrease of your credit score but also makes you liable to face legal actions by the Bank, including confiscation and auction of your Gold.

    ✅ How can I apply for the EMI moratorium on Barclays Finance Gold Loan?

    You can ask for an EMI Moratorium on this loan online by logging in with your credentials or can also go to the bank individually. You require to present the moratorium offers at least five functioning days ere your EMI return’s scheduled date.

    ✅ How to pay Barclays Finance Gold Loan through credit card?

    You will not be able to pay the gold loans through credit cards as per RBI Guidelines. You can use various other modes like mobile banking, debits cards, cheques, demand drafts for loan repayment.