Gold loan Dharamkot

Gold Loan Dharamkot

AT 0.75%* INTEREST RATE
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gold loan dharamkot If you are one of those who in urgent need of cash but do not have any resources to acquire it, then you can consider availing a Gold Loan. It is a scheme that offers monetary support to people and helps them in overcoming the financial crisis. The loan is secured in nature and demands an asset as collateral.

Why one should choose Gold Loan Dharamkot?

There are some benefits to getting a gold loan. Some of them are listed below:

Easy repayment schemes
No hidden charges
The Loan gets sanctioned in just a few minutes.
The money is offered to the customer after a quick evaluation of gold.
It is free from the hassle of long paperwork.

Eligibility Criteria Gold Loan Dharamkot

Loan Amount	Minimum 18k
Loan Amount	Maximum depends upon the weight of the gold
Age	Minimum: 18 years
Age	Maximum (at loan maturity): 70 years
Citizenship	Indian
Gold requirements	Minimum 10 gram of gold
Employment status	Salaried
Employment status	Self-employed

Documents Required for Gold Loan Dharamkot

Proof of Identity: Aadhar Card/Passport Copy/ Voters ID card/ Driving License.
Address Proof: Ration card/ Tel, Electricity Bill/ Rental bill/ Passport copy/Trade license /Shop & Est. License/Sales Tax certificate.
Signature Proof: Passport Copy/Driving License/Banker’s verification/cheque.
2 passport size colored photographs.

Additional Documents Required:

The banks generally demand the above-given documents. However few banks demand some additional documents, which are mentioned below:

Land Proof: In case of Agriculture Loan of more than Rs. 1 lac. The proof is not required for allied agriculture purposes.
A Demand Promissory Note.
Certificate by the Jewel Appraiser (Bank will arrange).
Income Proof: Salary Certificate and Form No.16.

Gold Loan Interest Rates

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%

Pre Calculated EMI Table for Gold Loan

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

Processing Fees / Prepayment Charges on Gold Loan

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

Features of Gold Loan Dharamkot

Following are the Features of Gold Loan:

You can avail Loan up to Rs.1 Crore or more & up to 70% of value for any purpose
You get 100% Safety & Security of your Gold Jewellery
Get your Loan processed in less than 30 minutes
Enjoy Anytime Liquidity.
Lower Interest Rates
Simple documentation and fast processing.
The overdraft limit varies depending on the market rate of gold.
The gold loan interest rate is payable the only amount of the overdraft that you use.

About Dharamkot:

Dharamkot is a small hill station in district Kangra of Himachal Pradesh. The place has a beautiful view of Kangra Valley and the Dhauladhar ranges. To get a gold loan in Dharamkot visit www.dialabank.com or call on 9592046860.