Gold Loan Katni

AT 0.75%* INTEREST RATE
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    Major Gold Loan Providers in Katni

    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 Katni FeaturesGold Loan Katni

     

    Running short out of cash? Do you not know what to do?

    Do not tense; there is a Gold Loan available for you. This loan requires less paperwork, as it is unsecured, and you can get your loan approved within 48 hours after all the verification process.

    Gold Loan Katni loan provides financial aid to the customers at the best affordable interest rates. For getting a Gold loan, the applicant needs to have a rigid and good source of income and has a good credit history, which will make the verification and loan approval process faster.

    Furthermore, you can get a loan up to 75 per cent of the market value of gold; this is due to fluctuation in the market price of the gold.

    GOLD LOAN @ 0.75%*

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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

    You Can Call and Speak with a Gold Loan Relationship Manager on 9878981144

    Gold Loan Rate by Purity in Katni

    Updated - Gold Loan Per Gram Rate w.e.f Jun 16 2026

    Gold Weight Gold Purity
    24 Carat
    Gold Purity
    22 Carat
    Gold Purity
    20 Carat
    Gold 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 in Katni Interest Rates and Charges – Jun 16 2026

    Feature
    Gold Loan
    Interest Rate
    Processing Fee
    Tenure
    HDFC Gold Loan 9.90% 0.25 % - 1.50% 3 - 24 Month
    Private Gold Loan 10.50% 0.25 % - 1.50%  9 - 24 Months
    Axis Gold Loan 10.50% 0.50% - 1.50% 6 - 24 Months
    Yes Bank Gold Loan 10.50% 0.50% - 1.50% 6 - 36 Months
    SBI Gold Loan 9.50% 500/- to 0.50% 6 - 36 Months
    Kotak Gold Loan 11.00% 1% to 2% 9 - 24 Months
    IIFL Gold Loan 12.00% Nil 3 - 11 Months
    Muthoot Finance Gold Loan 12.00% Nil 1 - 24 Months
    Manappuram Gold Loan 12.50% Nil 6 - 12 Months
    PNB Gold Loan 11.00% 0.70% to 1% 6 - 12 Months
    Canara Bank Gold Loan 10.75% 1 % 6 - 12 Months
    IndusInd Bank Gold Loan 11.50% 1% - 1.5% 9 - 24 Months

    Gold Loan Per Gram For All Major Bank in Katni – Jun 16 2026

    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

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    Gold Loan Eligibility Criteria in Katni

    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 Katni

    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

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    Gold Loan in Katni Eligibility Criteria

    1. The individual’s minimum age should be 21 years and the maximum age of up to 60 years.
    2. Must be having Indian Nationality.

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    How to Apply for Gold Loan Katni

    Online Process to Apply for Gold Loan Katni

    You can apply for the Gold Loan Katni at Dialabank.

    You have to fill a simple form online.

    After that, you will get a call back from our representative. Furthermore, you will get a document to pick up the facility from your doorstep.

    For more information about Gold Loan Katni, you can call on 9878981166 anytime.

    Dialabank is considered the best platform to apply for a gold loan online. There are reasons behind this, some of them are:

    1. Dialabank is India’s first financial helpline; it offers the best financial services to customers all over the country.
    2. Dialabank guides the customers free of cost. That is, there are no additional charges of applying for a gold loan online at Dialabank.
    3. Avail of a high LTV of your gold.
    4. Besides that, the bank has a good reputation among the customers because of its best and fast services.
    5. If you apply for a gold loan on Dialabank, you will get a low Gold Loan Interest Rate.
    6. Dialabank provides a document pickup facility from the doorstep of the customer for making the processing easy.
    7. Also, while applying for a gold loan rate per gram through Dialabank, less paperwork is required.
    8. Finally, the Relationship managers are trained thoroughly to guide you in the entire process of Gold Loan.

    Offline Process to Apply for Gold Loan Katni

    The applicant also has a choice to avail of a Jewel Loan from the nearby branches. To do so, you can ask google Gold Loan near me. It will tell you all the branches of banks and finance companies providing loans near you. You need to pick them according to your preference and knowledge, but Dialabank can do that for you in a quicker and better manner.

    Then you have to visit those departments and apply for the loan and have to visit many times before than loan gets finally approved.

    Processing Fees / Prepayment Charges on Gold Loan Katni

    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 Katni

    Having a good CIBIL score is a must before applying for a gold loan; that is why every lending institution has its criteria for the minimum CIBIL score required for processing a Gold Loan application in Katni. Most institutions require a minimum score of 750 for your gold loan application processing.

    Apart from your CIBIL score, the institutions also look at the detailed behaviour of the previous loans taken. This involves details on the loan type you have taken and the amount borrowed. Any delayed payments for previous loans can act as a barrier to your getting a fresh loan. So make sure your CIBIL score is good before applying for a loan.

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

    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 Katni Agent and Contact Number

    One of the leading and most trusted gold loan agents in Katni is Dialabank. Just apply online at www.dialabank.com or dial 9878981166.

    Dialabank helps you to find the best option between several Banks and NBFCs by offering you a detailed and structured market comparison of different banks so that you do not need to worry about the complex process you have to go through. Hence, you can make the right choice. Visit www.dialabank.com and fill a simple form asking for some details, and after that, our customer relationship managers will get in contact with you.

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    Gold Loan Mumbai Contact Number

    Call 9878981166 and get instant help and approval for Gold Loan in Katni right now.

    Pre Calculated EMI Table for Gold Loan Katni

    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 Katni

    Katni is a town in Madhya Pradesh, India. Katni is the administrative headquarters of the Katni district.

    Other gold loan cities in Madhya Pradesh

    Personal Loan Itarsi Personal Loan Hoshangabad
    Personal Loan Harda Personal Loan Gwalior
    Personal Loan Guna Personal Loan Gomti Nagar
    Personal Loan Ghatabillod Personal Loan Gairatganj

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    Gold Loan Katni

     How much loan can I get on 10 grams of gold?

    Gold Loan depends on the purity of your gold. You can avail of a loan amount anywhere between Rs.18,500 and Rs. 27,000 on 10 grams of gold.

    When does my loan against gold become NPA?

    When you fail to repay your loan amount for a long period, the bank/lender marks it as (NPA) Non-Performing Asset. A lender would usually allow one or two slip-ups in loan repayment, but this continues even after three consecutive months it will be marked as NPA and bars the borrower from getting any loans in future.

     What is LTV in a loan against gold?

    LTV is the Loan to Value Ratio; it is the amount of loan you can get against your gold. In India, LTV for a loan against gold is set by RBI at 75% for all the banking and non-banking financial institutes. For example, if your gold value is at Rs. 1 Lakh in the market, then at 75% LTV you can get a maximum loan amount of Rs. 75,000.


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