Gold Loan Ludhiana

Major Gold Loan Providers in Ludhiana

Gold Loan Ludhiana Features

Gold Loans are now pretty easy and convenient to avail of as most of the major banks and NBFCs provide the service at a low Gold loan interest rate and minimum documentation. Gold Loans are secured loans that can be availed by keeping your Gold ornaments/Jewelry as collateral or security deposit and the repayment can be done in the form of interest as instalments. Banks sanction Gold Loan easily because you provide the necessary documents and fulfil the eligibility criteria.

Gold Loan Ludhiana Interest Rates Apr 12 2025

Gold Loan Per Gram For All Major Bank in Ludhiana Apr 12 2025

Gold Loan Eligibility Criteria in Ludhiana

Documents for Gold Loan Ludhiana

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 Ludhiana

1. The minimum age requirements of the individual should be 21 years and a maximum of up to 60 years.
2. Should be an Indian National

How to Apply for Gold Loan Ludhiana

Online Process to Apply for Gold Loan Ludhiana

To apply for a Gold Loan Ludhiana, Applicants don’t need to visit the bank’s branch as applicants can apply for it online at Dialabank.com The process is very easy & handy. This involves only a few steps:

• Fill the form.
• Relationship Manager Will Call applicant in Next 2 Working Hours.
• Compare Gold loan offers from several banks and NBFCs on the Dialabank website.
• Check the eligibility and View the best offers available.
• Select the desired bank or keep in contact with the Relationship Manager of Dialabank for more assistance.
• After selecting the bank, fill out a form to process the loan application.
• Upload all the documents or schedule document pickup from home or office.
• After your documents are verified, the bank’s executive will give the applicant a verification call.
• The amount will get disbursed to the applicant’s account within 3-5 working days if the loan gets approved.

Offline Process to Apply for Gold Loan Ludhiana

The applicant also has an option to avail of a Gold Loan per gram from the nearby branches. To do so, search Gold Loan near me on google. It will enlist all the neighboring departments from where you can avail of the loan. Then, you will have to visit again and again until the loan approval.

Thus, it can be a very tiring and time-consuming process.

Processing Fees / Prepayment Charges on Gold Loan Ludhiana

EMI Gold Loan Scheme with Bullet Repayment Scheme Comparison

CIBIL Score Required for Gold Loan Ludhiana

CIBIL score is not a necessity for applying for a Gold Loan. The applicant should have all the necessary documents and should be eligible to apply for the loan according to the criteria.

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

Gold Loan Ludhiana Agents

FAQs About Gold Loan

✅ How to get Gold Loan in Ludhiana?

To get a gold loan a person can either walk into the nearest gold loan offering bank branch with their gold and basic documents like Aadhar Card and PAN Card or they can fill an inquiry form and apply online at Dialabank’s digital platform for better convenience and personalized assistance.

✅ How to calculate Gold Loan interest?

Gold loan interest rates vary depending upon the lending institute, amount of loan availed, loan tenure, loan to value ratio, and quality of gold. One can easily check and compare these rates online with Dialabank.

✅ Which bank is best for Gold Loan in Ludhiana?

HDFC Bank currently offers the best gold loan services in India. Starting with the low rates of interest, HDFC Bank offers various other facilities like a personal locker for your gold, same day disbursement of the loan amount, and the highest LTV ratio to name a few.