Gold Loan Muzaffarnagar

Major Gold Loan Providers in Muzaffarnagar

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 Muzaffarnagar Features

gold loan muzaffarnagar Sometimes you would have to arrange money on short notice. You may think of availing of a loan, but it takes a lot of time to get approved. Then there is no point in applying for these loans. Well, in this situation you can think of getting a Gold Loan online. It is a loan available within 30 minutes. You just only need to put our gold as collateral to procure the required cash. Where there are:

No penalties are involved.
In-house gold evaluation.
Available within 30-60 Mins.
You can enjoy a maximum tenure period of 6 to 12 months.

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 @ 0.75%*

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Gold Loan Muzaffarnagar Interest Rates – Dec 23 2024

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 Per Gram For All Major Bank in Muzaffarnagar – Dec 23 2024

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 Muzaffarnagar

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.

Gold Loan Muzaffarnagar Eligibility & EMI Calculator

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Documents for Gold Loan Muzaffarnagar

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 Muzaffarnagar

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 Muzaffarnagar

Online Process to Apply for Gold Loan Muzaffarnagar

The reason why DialaBank is considered the best online platform for gold loan is:

Dialabank India’s first financial helpline is spread throughout the country.
It has accessibility to several banks and NBFCs.
Minimum documentation is required for availing of a gold loan.
It offers a free pick-up facility of documents from your doorstep.
High LTV of gold.
Expert, relationship managers help and guide you at every step.

Just fill a simple form online and avail the benefits of the gold loan with DialaBank.

Go to dialabank.com.
Fill in all the required details in the form like name, income, location, etc.
Select a gold loan from the options given in the box.
Click on request a quote.
Relax while our relationship manager will soon get in touch with you.

Offline Process to Apply for Gold Loan Muzaffarnagar

The offline process for applying for a gold loan is hectic and time-consuming. You will be required to make frequent visits to the banks or NBFCs and you would not have the option of choosing from various banks available in the market. Also, the relationship manager that DialaBank provides you for making the right choice will no be available offline.

Apply online with DialaBank or contact 9878981166.

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Processing Fees / Prepayment Charges on Gold Loan Muzaffarnagar

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

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 Muzaffarnagar

There is no CIBIL score requirement to avail of a gold loan in Muzaffarnagar.

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

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 Muzaffarnagar Agents

DialaBank has its association with various banks and NBFCs that offer you gold loans at a low rate of interest. Thus, Dialabank is the leading agent for availing Gold Loan rate per gram in Muzaffarnagar. You can apply online at www.dialabank.com or give me a call at 9878981166.

Dialabank helps you to find the best option among Banks and NBFCs by providing you with a detailed market comparison of different banks so that you can make the right choice. Our customer relationship managers will soon get in touch with you.

GOLD LOAN @ 0.75%*

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Gold Loan Muzaffarnagar Contact Number

Call 9878981166 and get instant help and approval for a gold loan in Muzaffarnagar.

Pre Calculated EMI Table for Gold Loan Muzaffarnagar

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 Muzaffarnagar

The City of Muzaffarnagar is a municipal board in Uttar Pradesh State, India. It was recognized in the Mughal period by a Sayyid Jagirdar, Munawar Lashkar Ali, and so named in honour of his father, Muzaffar Ali Khan.

Special Note: Always check Gold Loan Rate Per Gram before applying for a loan against gold.

Gold loan in other Cities

Gold Loan Ujhani	Gold Loan Lalganj
Gold Loan Utraula	Gold Loan Bharthana
Gold Loan Vrindavan	Gold Loan Chandausi
Gold Loan Shamshabad	Gold Loan Amethi

Gold Loan Mumbai FAQs

✅ How much gold loan can I get?

Most Banking and Non-Banking institutes offer gold loans with an LTV ratio between 65% and 75%. This means a person can avail the loan amount of up to 75% of their gold’s market value. This amount on average varies between Rs. 10000 to Rs. 50 Lakhs depending upon the purity of one’s gold.

✅ What is the Gold Loan Muzaffarnagar 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.