Gold Loan Jorhat

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    Gold Loan Jorhat

    Best Banks for Gold Loan in Jorhat

    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 Jorhat Features

    Gold loan JorhatAchieve your dreams without any delay! Gold 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.

    Gold Loan Jorhat is an unsecured loan that provides financial aid to customers at an affordable gold loan interest rate. Furthermore, there is no end-use restriction on the use of the Gold loan amount. You can get the loan amount anywhere you want to do.

    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 Relationship Manager on 9878981144

    Gold Loan Jorhat Interest Rates – Jan 08 2025

    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%

    Gold Loan Per Gram For All Major Bank in Jorhat – Jan 08 2025

    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 Jorhat

    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.

    Documents for Gold Loan Jorhat

    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

    Gold Loan Jorhat Eligibility Criteria 

    1. The minimum age requirements of the individual should be 21 years and a maximum of up to 60 years.
    2. Should be an Indian National

    GOLD LOAN @ 0.75%*

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    How to Apply for Gold Loan Jorhat

    Online Process to Apply for Gold Loan Jorhat

    The process of availing of a gold loan is simple with Dialabank. You can contact 9878981144 at any time for any assistance or help. Our experts will guide you through the journey. To apply online, the steps that are required to be followed are:

    • Visit the dialabank website.
    • Enter your details and fill the form.
    • Our relationship manager will call and assist you through the entire process.

    There are so many reasons why Dialabank is considered the best platform to apply for a gold loan online:

    1. Dialabank is India’s first financial helpline.
    2. It has its presence throughout the country.
    3. Dialabank provides a document pickup facility from the doorstep of the customer.
    4. No additional charges of applying for a gold loan online on the website of Dialabank.
    5. Minimum documentation.
    6. Expert advice.

    Offline Process to Apply for Gold Loan Jorhat

    You can visit the branches near your location to avail gold loan per gram in Jorhat. But, that would reduce your chances of availing of the best offers. Also, you would not get a pick-up facility for your documents that is available only with Dialabank.

    Processing Fees / Prepayment Charges on Gold Loan Jorhat

    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

    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 Jorhat

    Provided that all the necessary documents are submitted, the banks and NBFCs provide a gold loan, irrespective of the CIBIL score.

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

    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 Jorhat Agents and Contact Number 

    Dialabank is the leading agent for availing Gold Loan per gram in Jorhat. You can apply gold loan online at dialabank 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 dialabank and fill a simple form with your personal and employment details. Our customer relationship managers will soon get in touch with you.

    Pre Calculated EMI Table for Gold Loan Jorhat

    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

    About Jorhat

    Jorhat implies two caps or mandis-“Macharhat” and “Chowkihat” which existed on the two distinct banks of the stream Bhogdoi. During the eighteenth century, Jorhat was the last capital of the Ahom Kingdom, as an arranged town under imperial support. It is regularly spelled as “Jorehaut” during the British rule. In the year 1794, the Ahom King Gaurinath Singha moved the capital from Sibsagar, a recent Rangpur to Jorhat.

    Other Cities for Gold loan in Assam

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    Gold Loan Digboi Gold Loan Karimganj
    Gold Loan Sibsagar Gold Loan Bhadra
    Gold Loan Pathsala Gold Loan Hailakandi

    Gold Loan Jorhat FAQs

    ✅ How to get Gold Loan in Jorhat?

    To get a gold loan, a person can either walk into the nearest gold loan offering bank branch with their gold and basic documents like Aadhar Card and PAN Card, or they can fill an inquiry form and apply online at Dialabank’s digital platform for better convenience and personalized assistance.

    ✅ How to calculate Gold Loan Interest?

    Gold loan interest rates vary depending upon the lending institute, amount of loan availed, loan tenure, loan to value ratio, and quality of gold. One can easily check and compare these rates online with Dialabank.

    ✅ Which bank is best for Gold Loan in Jorhat?

    HDFC Bank currently offers the best gold loan services in India. Starting with the low rates of interest, HDFC Bank offers various other facilities like a personal locker for your gold, same day disbursement of the loan amount, and the highest LTV ratio, to name a few.