Major Gold Loan Providers in Kolkata
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 Kolkata Features
A gold loan provides a customer with an amount of loan from the bank at some rate of interest and for a given period of time. Furthermore, the Gold Loan comes in the category of secured loans so the rate of interest is quite low as compared to other loans. Planning for something like a wedding or purchasing an expensive birthday gift, when-ever you are running out of funds, Gold loan comes to your rescue. In such a need of emergency, it would be the best option to use your gold rather than keeping them in the locker. You can contact 9878981166 in case of any queries.
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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 Kolkata Interest Rates – Jan 07 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 Kolkata – Jan 07 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 Kolkata
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 Kolkata
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 Kolkata
- The applicant should be at least 21 years of age
- The applicants’ age should not be more than 60 years
- He/she should be a national citizen
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How to Apply for Gold Loan Kolkata
Online Process to Apply for Gold Loan Kolkata
The steps required to avail Gold loan online with Dialabank are:
- Click on dialabank.com
- Fill in the necessary details as asked in the form shown on the main page
- Select a gold loan from the options given.
- Accept “I have read the privacy policy option”.
- Click on request a quote.
- Sit back and wait for our relationship manager to contact you.
Offline Process to Apply for Gold Loan Kolkata
The applicant also has an option to avail of Gold Loan per gram from any nearby branches. He will be required to search the Gold Loan near me on google. The results will enlist all the neighboring banks and NBFCs from where you can avail the loan. Then, you will have to make various visits until the loan gets approved.
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Processing Fees / Prepayment Charges on Gold Loan Kolkata
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
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CIBIL Score Required for Gold Loan Kolkata
There is no CIBIL score requirement to avail of a gold loan.
Compare Gold Loan Rate Per Gram and Lowest EMI of All banks in Kolkata
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
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Gold Loan Kolkata Agents
Dialabank is your go-to agent for availing Gold Loan in Kolkata. We help you to find the best option among various Banks and NBFCs available in the market to address your need by providing the highest value for your gold at the lowest possible Gold loan interest rate.
We have access to several lending financial institutions all over India to give you a hassle-free experience.
Gold Loan Kolkata Contact Number
Call 9878981144 and get instant help and approval for Gold Loan in Kolkata.
GOLD LOAN @ 0.75%*
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Pre Calculated EMI Table for Gold Loan Kolkata
About Kolkata
Kolkata is the capital of the Indian state of West Bengal. Located on the eastern bank of the Hooghly Stream, it is the key commercial, social, and academic hub of East India. The city is developing at a fast pace, and so is the standard of living. It is known for its grand colonial architecture, art galleries, and cultural festivals across the country. Kolkata is home to various famous places like Howrah bridge, Victoria Memoria, etc. that attract a large number to tourists every year from around the world.
गोल्ड लोन कोलकाता के बारे में हिंदी में जानिए गोल्ड लोन कोलकाता
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Gold Loan Kolkata FAQs
✅ What is gold loan?
The gold loan also referred to as ‘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 a car loan or home loan, a gold loan can be used for any purpose.
✅ How to get gold loan?
To get a gold loan a borrower can either visit the nearest gold loan offering bank branch with their gold and basic documents such as Aadhar Card and PAN Card or they can fill an inquiry form online at Dialabank’s digital platform.
✅ What is gold loan interest rate?
Gold loan interest is the monthly amount a borrower pays in addition to the principal loan amount. Different banks and financial institutes offer different rates of interest. On average, this rate varies between 10.50% and 12% per annum.
