Major Gold Loan Providers in Gandhidham
Feature
|
Manappuram
|
Axis Bank
|
Yes Finance
|
Interest Rate
|
9.90%
|
12.50%
|
9.99%
|
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
|
Preclosure Chgs
|
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
|
3,124
|
3,073
|
3,069
|
Gold Loan Gandhidham Features
Are you running short on cash? Do not worry Personal Loan is available for you. This loan is unsecured in nature with minimal documentation and less paperwork. This loan can get approved within 48 hours after the verification process.
Personal Loan Delhi is an unsecured loan that provides financial aid to customers at affordable interest rates. The borrower needs a stable and reliable source of income to secure a Personal Loan and has a strong credit history.
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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
Gold Loan Rate Per Gram in Gandhidham- Oct 13 2024
Updated - Gold Loan Per Gram Rate w.e.f Oct 13 2024
Gold Weight
Gold Purity
24 CaratGold Purity
22 CaratGold Purity
20 CaratGold 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
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Gold Loan Gandhidham Interest Rates and charges- Oct 13 2024
Gold Loan Eligibility Criteria in Gandhidham
Minimum and Maximum Age
Note: However, many banks require a minimum age of 23 years
Loan Amount
Interest rates are lower for a higher loan amount
Employment Type
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
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
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 with 18-24 carat purity
Employment track record and income proofs
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Documents for Gold Loan Gandhidham
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 Gandhidham
- The minimum age requirements of the individual should be 21 years and a maximum of up to 60 years.
- Should be an Indian National
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How to Apply for Gold Loan Gandhidham
Online Process to Apply for Gold Loan Gandhidham
You can apply for the HDFC Bank Gold Loan via Dialabank. The process is straightforward. To begin, You have to fill a simple form online.
After that, you will get a call back from our side. Furthermore, you will get a document to pick up the facility from your doorstep. For more information, you can call on 9592046860.
Dialabank is considered the best platform to apply for a gold loan online. There are so many reasons behind this.
-
First of all, Dialabank is India’s first financial helpline; it provides customers across India with the best financial services.
-
Besides that, due to its best services, the bank has a strong reputation among customers.
- Another reason, if you apply for a gold loan on Dialabank, then you will get a low HDFC Gold Loan Interest Rate.
- Also, Dialabank provides a document pickup facility from the doorstep of the customer.
- One more important thing is that Dialabank guides the customers free of cost.
That is, there is no extra cost on the Dialabank website for applying for a gold loan online.
- Also, while applying for a gold loan rate per gram through Dialabank, very little paperwork is required.
- One more thing is that you will get a high LTV of your gold.
-
Lastly, the Relationship managers are trained enough to direct you through the entire Gold Loan process.
Offline Process to Apply for Gold Loan Gandhidham
The applicant also has an option to avail of an HDFC Gold Loan from the nearby branches. To do so, search Gold Loan near me on google. It will enlist all the neighboring departments from where you can avail of the loan. Then, you will have to visit again and again until the loan approval.
Thus, it can be a very tiring and time-consuming process. You can avail loan from HDFC Gold Loan Branches. As well as to find a branch that is nearby, search Muthoot Gold Loan near me. Google will enlist all the Muthoot Gold Loan Branches near you.
Processing Fees / Prepayment Charges on Gold Loan Gandhidham
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EMI Gold Loan Scheme with Bullet Repayment Scheme Comparison
Monthly Payment
EMI Scheme (₹)
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
₹ 3 Lakh
Total Payment
₹ 3.24 Lakh
₹ 3.44 Lakh
CIBIL Score Required for Gold Loan Gandhidham
Provided that all the necessary documents are submitted, the banks and NBFCs provide a gold loan, irrespective of the CIBIL score.
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Compare Gold Loan Rate Per Gram and Lowest EMI of All banks in Gandhidham
Bank
Interest Rate
Lowest EMI Per Lakh
SBI Gold Loan
7.50%
Rs. 3,111
Muthoot Gold Loan
11.99%
Rs. 3,321
Manappuram Gold Loan
12.00%
Rs. 8,885
HDFC Bank Gold Loan
9.90%
Rs. 4,591
Yes Bank Gold Loan
9.99%
Rs. 3,226
Private Bank Gold Loan
10.00%
Rs. 8,792
Federal Bank Gold Loan
8.50%
Rs. 8,722
Canara Bank Gold Loan
7.65%
Rs. 8,683
Andhra Bank Gold Loan
10.70%
Rs. 8,824
Axis Bank Gold Loan
13.00%
Rs. 4,754
IndusInd Bank Gold Loan
10.00%
Rs. 8,792
PNB Gold Loan
8.75%
Rs. 8,734
Fincare Small Finance Bank Gold Loan
12.99%
Rs. 11,721
Gold Loan Gandhidham Agents and Contacts
Dialabank is the leading agent for availing Personal Loan in Delhi. You can apply online at www.dialabank.com or give a call at 9878981166
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Pre Calculated EMI Table for Gold Loan Gandhidham
About Gandhidham
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Some Common FAQs:
✅ Are there any eligibility criteria to be followed for a gold loan?
Yes. For availing of a gold loan in Gandhidham, you need to be major and own gold jewelry of a minimum of 18 carats. There is no other requirement.
✅ Why are gold loans in Gandhidham a better option than personal loans?
Gold loans are better because they require minimum documentation and are the better choice in cases of urgency. They also have many repayment options and offer more loan amounts than personal loans.
✅ Do I require any documents for a gold loan?
Yes, but you don’t need to go through much hassle. Just keep identity proof, address proof, and signature proof.
✅ Should I worry about my pledged ornaments?
Absolutely not, your pledged gold is safely kept in the bank’s locker that matches the standards applicable to these banks. Proper technical surveillance technologies are also deployed 24 hours a day.
✅ How do I repay my gold loan in Gandhidham?
After availing of a gold loan in Gandhidham you will have to pay EMI monthly to the banks till the completion of the loan tenure. These payments can be made in various ways such as cash/ DD/ cheque or online transactions.
Other Places To Avail Gold Loan
Gold Loan Jamjodhpur | Gold Loan Keshod |
Gold Loan Jasdan | Gold Loan Khambhalia |
Gold Loan Kadi | Gold Loan Khambhat |
Gold Loan Karjan | Gold Loan Kosamba |