Best Banks for Gold Loan in Kaithal
Feature
HDFC Bank
SBI
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
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 Kaithal Features
The Gold Loans are now pretty easy and less time consuming to the avail as most of the major banks and NBFCs provide the service at a reasonable gold loan interest rate and minimum documentation. The Gold Loans are secured loans that can be availed by keeping your Gold ornaments/Jewelry as collateral or security deposit for the short-term credit. Banks sanction Gold Loan easily considering the fact that you repay the amount in the form of interest in a specific period of time. If you fail to repay, the loan can be renewed.
Gold Loan in Kaithal Interest Rates and Charges
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 in Kaithal Documents Required
- Government-approved ID such as Driving license/passport/Aadhar card, etc
- Proof of Income (i.e. salary slips/ Form 16)
- Land Proof: In case of Agriculture Loan of more than Rs. 1 lac.(not required for agricultural purpose)
- Signed Application form
- 2 recent passport size photographs of the applicant
- Signature Proof: Passport Copy/Driving License/Banker’s verification/cheque.
- Proof of Address: Ration card/ Tel, Electricity Bill/ Rental bill/ Passport copy/Sales Tax certificate.
- Certificate by the Jewel Appraiser (Bank will arrange)
- A Demand Promissory Note.
Gold Loan in Kaithal Eligibility Criteria
- The applicant must be at least 21 years old.
- The applicant must have Indian nationality.
- The applicant should not be more than 60 years of age.
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How to Apply for Gold Loan Kaithal
Online Process to Apply for Gold Loan Kaithal
- You can apply for the Gold Loan at Dialabank.
- It is less time consuming and convenient
- Fill an online form with personal details
- Our relationship manager would then contact you for further assistance
- You can also avail of the document pick up facility from your doorstep.
- For more detail, you can call on 9592046860.
Dialabank is considered as the best platform to apply for a gold loan online. There are so many reasons behind this.
- Dialabank is India’s first financial helpline; This provides the best financial services to customers all over the country.
- The bank has a good reputation among the customers because of its best services.
- Gold Loans can be availed at a low rate of interest with a minimum documentation requirement
- Dialabank provides a document pickup facility from the doorstep of the customer.
- There is no processing fee or additional charges for availing to the service of gold loan per gram through Dialabank
- The Relationship managers of Dialabank are trained and assist the customer without any hesitance
Offline Process to Apply for Gold Loan Kaithal
The applicant also has an option to avail of Gold Loan through the offline process. It requires market research as well as some manual efficiency.
The applicants need to search for the nearby banks offering Gold Loans and visit them at their working hours. Thereafter, their relationship manager would correspond and assist you according to your requirements requiring repeated visits to the nearest branch.
Processing Fees / Prepayment Charges on Gold Loan Kaithal
CIBIL Score Required for Gold Loan Kaithal
Most of the major banks and NBFCs offer the Gold Loan irrespective of the CIBIL score. The applicant should have all the necessary documents and should fulfil the eligibility criteria.