Major Gold Loan Providers in Loni
| 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 Loni Features
If you want some loan and have a stable and rigid source of income, then databank brings you gold loan loni, which can help you cover your various expense in this changing world.
Gold loans up to 75 per cent of the market value of the gold can be availed, and you can spend the loan the way you want to; there is no restriction on the usage.
It would help if you had a good CIBIL score equal to or above 750 to avail of the loan. It just takes minutes to complete the application process, and after that, we will quickly get in touch with you to finish the loan process.
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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 Loni Interest Rates – May 02 2025
For more information click – Gold loan interest rate
| 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 Loni – May 02 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 Loni
| 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 Loni
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 Loni
The eligibility criteria for gold loan is discussed below:
- The minimum age must be 21 years and a maximum of up to 60 years.
- An Indian national.
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How to Apply for Gold Loan Loni
Online Process to Apply for Gold Loan Loni
Apply for the HDFC Bank Gold Loan at Dialabank. The process needs you to have to fill a simple form online.
After that, you will get a call back from our side. Furthermore, you will get a document to pick up the facility from your doorstep. For more information, you can call on 9878981166.
Dialabank is the best platform to apply for a gold loan online because:
- Dialabank is India’s first financial helpline. I
- Dialabank provides the best financial services to customers all over the country.
- Also, while applying for a gold loan through Dialabank, very little paperwork is required.
- One more thing is that you will get a high LTV of your gold.
- Another reason, if you apply for a gold loan on Dialabank, then you will get a low HDFC Gold Loan Interest Rate.
- Besides that, the bank has a good reputation among the customers because of its best services.
- Also, Dialabank provides a document pickup facility from the doorstep of the customer.
- One more important thing is that Dialabank guides the customers free of cost. That is, there are no additional charges of applying for a gold loan online on the website of Dialabank.
- Finally, the representatives of Dialabank are trained to guide you in the entire process of Gold Loan.
Offline Process to Apply for Gold Loan Loni
For the offline process to apply for Gold Loan Loni, you can visit any nearby gold loan departments, which you can easily find on google.
Select the one you would most likely cover all your worries about a gold loan, but taking an offline loan is a tedious task and will require you to visit the branch again and again.
Still, if you want to apply for a gold loan offline, you can visit the below two branches for a faster offline loan process.
You can avail of loans from HDFC Gold Loan Branches or branches of Muthoot Gold Loan.
Processing Fees / Prepayment Charges on Gold Loan Loni
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 Loni
Having a good CIBIL score is a must before applying for a Gold Loan Loni.
Every lending institution has its criteria for the minimum CIBIL score required for processing a Gold Loan application in Loni, and Most of these institutions require a minimum CIBIL score of 750 to process your loan application.
The institutions look at various factors before accepting your loan application, like looking at the detailed behaviour of the previous loan taken, and it also includes details on the type of loan taken and the amount borrowed. Any delayed payments for previous loans can act as a barrier to your availing of a fresh loan, so you should keep your credit history good enough to get the loan.
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Compare Gold Loan Rate Per Gram and Lowest EMI of All banks in Loni
| 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 Loni Agents
Dialabank is the best agent for availing of a Gold Loan in Loni. You can apply online at www.dialabank.com or give a call at 9878981166
Dialabank helps you to find the best option among various Banks and NBFCs by providing you with a detailed market comparison in an easy to understand of different banks so that you can make the right choice of availing the gold loan. Visit our website www.dialabank.com and fill up a simple form with your few personal and employment details. Our customer relationship managers will soon get in touch with you as soon as possible.
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Gold Loan Loni Contact Number
Call 9878981166 and get instant help and approval for Gold Loan in Loni.
Pre Calculated EMI Table for Gold Loan Loni
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 Loni
Although known to be a historically famous site in Uttar Pradesh, Loni is a premium destination of contemporary living as well. Located near New Delhi, the town of Loni is known to be one of the fastest-growing areas in the District Ghaziabad of Uttar Pradesh. Easily reached from all major locations in and around the city and also accessible from the other distant parts of the state, Loni is identified to be a place not only flourishing as a prime industrial hub but also to be a famous tourist spot in the Ghaziabad District of Uttar Pradesh with its several popular tourist attractions in and near the city.
Gold Loan in other Cities
| Gold Loan Kushinagar | Gold Loan Kundara |
| Gold Loan Kundapur | Gold Loan Howrah |
| Gold Loan Kiwana | Gold Loan Kirari |
| Gold Loan Kiraoli | Gold Loan Khurja |
GOLD LOAN @ 0.75%*
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Gold Loan Loni FAQs
✅ How to take Gold Loan?
To get a gold loan, you can visit the nearest banking/NBFC branch that offers a gold loan service with your gold and basic required documents like Aadhar and PAN Card. You can also apply online through Dialabank’s digital platform for getting the lowest interest rates, better convenience, transparent and personalized assistance.
✅ What is the Gold Loan interest rate?
Gold loan interest is what a borrower pays in addition to the principal loan amount. Banks and other financial institutes offer different interest rates. On average, this usually varies between 10.50% and 12% per annum.
✅ How to get a Gold Loan license?
If you want to start a gold loan business, then you must get approval from the RBI. You will have to submit the required documents with an application form to the RBI to get yourself registered.
