Gold Loan Asansol

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    Gold Loan Asansol

    Major Gold Loan Providers in Asansol

    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 Asansol Features

    Gold Loan AsansolGold Loans are now pretty easy and convenient to avail of as most of the major banks and NBFCs provide the service at a low Gold loan interest rate online and minimum documentation. Gold Loans are secured loans that can be availed against your Gold ornaments/Jewelry as collateral or security deposit. Banks sanction Apply Gold Loan easily considering the fact that you repay the amount in the form of interest in a specific period of time. The amount of loan varies upon the purity of the Karats of gold.

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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

    You can Call and Speak with a Gold Loan Asansol Relationship Manager on 9878981144

    Gold Loan Asansol Interest Rates – Dec 16 2024

    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%

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    Gold Loan Per Gram For All Major Bank in Asansol – Dec 16 2024

    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

    Gold Loan Eligibility Criteria in Asansol

    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 Asansol

    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 Asansol

    1. The minimum age of the individual should be 21 years and a maximum of up to 60 years.
    2. The applicant should be an Indian National
    3. He/She should be salaried or self-employed

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    How to Apply for Gold Loan Asansol

    Online Process to Apply for Gold Loan Asansol

    • It is an easy and convenient process.
    • You have to fill an online form.
    • Our relationship manager will then contact you for any assistance required
    • You can also avail document pick up facility from your doorstep.
    • For more information, you can call on 9878981166.

    Dialabank is considered as the best platform to apply for a gold loan online. There are so many reasons behind this.

    1. Dialabank is India’s first financial helpline; it provides the best financial services to customers all over the country.
    2. The bank has a good reputation among the customers because of its best services.
    3.  Dialabank provides document pickup facility from the doorstep of the customer.
    4. There is no processing fee or additional charges for availing the service through Dialabank
    5. The Relationship managers of Dialabank are trained and assist the customer without any hesitance
    6. Gold Loans can be availed at low rate of interest with minimum documentation requirement

    Offline Process to Apply for Gold Loan Asansol

    Gold Loan can also be availed through an offline process that requires physically visiting the nearby banks.

    The applicants need to search for the nearby banks offering Gold Loans and visit them at their working hours. Thereafter, their relationship manager will correspond and assist you according to your requirements.

    Processing Fees / Prepayment Charges on Gold Loan Asansol

    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

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    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

    CIBIL Score Required for Gold Loan Asansol

    Most of the major banks and NBFCs offer Gold Loan without asking for CIBIL score. The applicant should have all the necessary documents and should be eligible to apply for the loan according to the criteria.

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    Compare Gold Loan Rate Per Gram and Lowest EMI of All banks in Asansol

    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

    Gold Loan Asansol Agents

    Dialabank is the leading agent for availing Gold Loan in Asansol. You can apply online at www.dialabank.com or give a call at 9878981166

    Dialabank helps you to find the best option of 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 an online form with your personal and employment details. Our executives will soon get in touch with you.

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    Gold Loan Asansol Contact Number

    Call 9878981166 and get instant help and approval for Gold Loan in Asansol.

    Pre Calculated EMI Table for Gold Loan Asansol

    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

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    About Asansol

    Second Largest city after Kolkata in the state of West Bengal, Asansol is a city whose economy thrives on coal mines and steel industries and production of the same. Many IT giants have their companies set up in the city. The city is one of the fastest developing in recent years in West Bengal.

    गोल्ड लोन आसनसोल के बारे मे हिंदी मे जाने

    Gold Loan in Other Cities

    Gold Loan Krishnanagar Gold Loan Tarakeswar
    Gold Loan Murshidabad Gold Loan Islampur
    Gold Loan Medinipur Gold Loan Bagnan
    Gold Loan Raniganj Gold Loan Chandannagar

    GOLD LOAN @ 0.75%*

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    Gold Loan Asansol FAQs

    How does a Gold Loan Work?

    Loan Against Gold is very simple to understand. The Banks provide you with funds against your gold Jewelry and you have to repay the amount with interest charged by the bank. The amount depends upon the weight of your gold.

    Gold Loan is secured loan or not?

    Yes, a Gold loan comes under the category of secured loan. Because the borrower has to submit their gold jewellery into the bank’s locker as security/collateral.

    Consequences of not repaying a Gold Loan amount?

    If the borrower is unable to return the gold loan amount at the fixed tenure, the bank can sell his gold Jewelry.