Major Gold Loan Providers in Kadapa
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 Kadapa Features
Gold is generally kept away in bank lockers or safely at home, but you can get instant cash with the help of a gold loan which can help in mobilizing your personal assets because of the lower Gold loan interest rate online of loans as compared to other ‘unsecured’ loans, it is becoming more and more preferred loans among people. Gold Loan is an easy and straightforward way to get instant finance. A gold loan is a loan secured against gold pieces of jewellery or ornaments.
- 100% Safety & Security of your Gold Jewellery on taking Loan.
- Your Loan is processed in less than 30 minutes.
- Just a few minutes to sanction Gold Loan Kadapa is what it takes.
- After a quick evaluation of gold, the money is offered to the customer.
- No lengthy paperwork is required here.
- Easy repayment schemes on Gold Loan Kadapa
- Minimal Documentation for Gold Loan Kadapa
- Loan up to Rs.1 Crore or more & up to 70% of value for any purpose is served here.
- Low-interest rates on Gold Loan Kadapa.
- Enjoy Anytime Liquidity.
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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 Kadapa Interest Rates – Mar 24 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% |
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Gold Loan Per Gram For All Major Bank in Kadapa – Mar 24 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 Kadapa
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 Kadapa
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 Kadapa
- The applicant should be at least 21 years of age
- The applicants’ age should not be more than 60 years
- They should be a national citizen
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How to Apply for Gold Loan Kadapa
Online Process to Apply for Gold Loan Kadapa
To apply for a Gold Loan Kadapa, Applicants don’t need to visit the bank’s branch as applicants can apply for it online at DialaBank. The process is straightforward & handy. This involves only a few steps:
- Fill the form.
- In the next 2 Working Hours, our Relationship Managers will call the applicant.
- On the DialaBank website, you can compare personal loan offers from several banks and NBFCs.
- Check the eligibility and View the best offers available.
- For more assistance, keep in contact with the Relationship Manager of DialaBank or select the desired bank.
- To process the loan application, fill out a form after selecting the bank.
- Schedule document pickup from home or office or upload all the documents.
- After the documents are verified, the applicant will receive a verification call from the bank’s executive.
- If the loan gets approved, the amount will get disbursed to the applicant’s account within 3-5 working days.
Offline Process to Apply for Gold Loan Kadapa
The applicant also has an option to avail of a Gold Loan from various banks at nearby branches. Then, you may need to visit again and again until your loan is approved.
Thus, it turns out to be a very tiring and time-consuming process. You can also apply for loans from Gold Loan Branches. As well as to find a branch that is nearby, search Muthoot Gold Loan near me. All the Muthoot Gold Loan Branches near you will be enlisted by Google.
Processing Fees / Prepayment Charges on Gold Loan Kadapa
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 Kadapa
By repaying the Gold Loan rate per gram Amount on time, you can improve your CIBIL Score. For granting gold loans to the customer, no CIBIL score is considered.
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Compare Gold Loan Rate Per Gram and Lowest EMI of All banks in Kadapa
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 Kadapa Agents
By providing you with a detailed market comparison, Dialabank is your best agent that will help you to find the best option from various banks and NBFCs.
Call 9878981166 and get instant help and approval for Gold Loan in Kadapa.
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Pre Calculated EMI Table for Gold Loan Kadapa
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 Kadapa
Kadapa, formerly known as Cuddapah, is a city in the south-central part, Rayalseema, in Andhra Pradesh. The city name has been derived from the Telegu Word “Gadapa”, which literally means threshold. This city is nicknamed “Threshold” because it is the doorway from the west to the holy hill, Tirumala.
गोल्ड लोन कडापा के बारे हिंदी में जानिए: गोल्ड लोन कडापा
Gold loan In Other Cities
Gold Loan Dibrugarh | Gold Loan Jammu |
Gold Loan Godhra | Gold Loan Jamshedpur |
Gold Loan Imphal | Gold Loan Yamunanagar |
Gold Loan Jalna | Gold Loan Panipat |
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Gold Loan Kadapa FAQs
✅ What is a gold loan?
The gold loan also referred to as a loan against gold, is a type of secured loan that a person can avail by keeping their gold ornaments as collateral security with the lender. Unlike other secured loans like car loans or home loans, a gold loan can be used for any purpose.
✅ How to get a loan in Kadapa?
To get a loan in Kadapa, a borrower can either visit the nearest gold loan offering bank branch with their gold and basic documents such as Aadhar card, pan card, or they can fill an inquiry form online at Dialabank digital platform for better convenience and personalized assistance.
✅ To get a gold loan, do I need a co-applicant?
No, to avail of the Gold loan, you don’t need any co-applicant.