Major Gold Loan Providers in Payal
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 Payal Features
Gold Loan Payal Interest Rates
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% |
Documents for Gold Loan Payal
- Proof of the citizenship of India.
- Identity and Address Proof.
- 2 passport size photographs.
- In the case of Agriculture Loan of more than Rs. 1 lac, land proof.
- A Demand Promissory Note.
- Certificate by the Jewel Appraiser (Bank will arrange).
- Salary/Income proof.
Eligibility Criteria for Gold Loan Payal
- 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.
GOLD LOAN @ 0.75%*
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How to Apply for Gold Loan Payal
Online Process to Apply for Gold Loan Payal
The process of availing a gold loan is simple with DialaBank. You can contact 9592046860 any-time for any assistance or help. Our experts will guide you through the journey. To apply online, the steps that are required to be followed are:
- Visit our site www.dialabank.com.
- Enter your details and fill the form.
- Our relationship manager will call and assist you through the entire process.
There are so many reasons why DialaBank is considered the best platform to apply for a gold loan online:
- Dialabank is India’s first financial helpline.
- It has its presence throughout the country.
- Dialabank provides a document pickup facility from the doorstep of the customer.
- No additional charges of applying for a gold loan per gram online on the website of Dialabank.
- Minimum documentation.
- Expert advice.
Offline Process to Apply for Gold Loan Payal
You can visit the branches near your location to avail of the gold loan Payal. But, that would reduce your chances of availing the best offers. Also, you would not get a pick-up facility for your documents that is available only with DialaBank.
Processing Fees / Prepayment Charges on Gold Loan Payal
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 |
CIBIL Score Required for Gold Loan Payal
Provided that all the necessary documents are submitted, the banks and NBFCs provide a gold loan, irrespective of the CIBIL score.
Gold Loan in Other Cities
Gold Loan Dausa | Gold Loan Bharatpur |
Gold Loan Ajitwal | Gold Loan Ajmer |
Gold Loan Rayya | Gold Loan Bikaner |
Gold Loan Khamanon | Gold Loan Jalore |