Best Banks for Gold Loans in Puducherry
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 Puducherry Features
Gold Loans are now pretty easy and convenient to avail as most of the major banks and NBFCs provide the service at a reasonable rate of interest and minimum documentation. Gold Loans are secured loans that can be availed against your Gold ornaments/Jewelry as a collateral or security deposit mostly for short-term credits. Banks sanction Gold Loan easily considering the fact that you repay the amount in the form of interest at regular intervals. If you fail to repay, the loan can be renewed. The flexible payment structure of gold loans makes it desirable to fulfill the financial needs.
Gold Loan Rate Per Gram Today in Puducherry
Updated - Gold Loan Per Gram Rate w.e.f May 14 2025 |
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Gold Weight | Gold Purity 24 Carat |
Gold Purity 22 Carat |
Gold Purity 20 Carat |
Gold Purity 18 Carat |
1 gram | 4621 | 4290 | 3900 | 3510 |
10 gram | 46210 | 42900 | 39000 | 35100 |
20 gram | 93600 | 85800 | 78000 | 70200 |
30 gram | 140400 | 128700 | 117000 | 105300 |
40 gram | 187200 | 171600 | 156000 | 140400 |
50 gram | 234000 | 214500 | 195000 | 175500 |
100 gram | 468000 | 429000 | 390000 | 351000 |
200 gram | 936000 | 858000 | 780000 | 702000 |
300 gram | 1404000 | 1287000 | 1170000 | 1053000 |
400 gram | 1872000 | 1716000 | 1560000 | 1404000 |
500 gram | 2340000 | 2145000 | 1950000 | 1755000 |
Gold Loan Puducherry Interest Rates
Feature
|
Gold Loan
Interest Rate
|
Processing Fee
|
Tenure
|
HDFC Gold Loan | 9.90% | 0.25 % - 1.50% | 3 - 24 Month |
Private Gold Loan | 10.50% | 0.25 % - 1.50% | 9 - 24 Months |
Axis Gold Loan | 10.50% | 0.50% - 1.50% | 6 - 24 Months |
Yes Bank Gold Loan | 10.50% | 0.50% - 1.50% | 6 - 36 Months |
SBI Gold Loan | 9.50% | 500/- to 0.50% | 6 - 36 Months |
Kotak Gold Loan | 11.00% | 1% to 2% | 9 - 24 Months |
IIFL Gold Loan | 12.00% | Nil | 3 - 11 Months |
Muthoot Finance Gold Loan | 12.00% | Nil | 1 - 24 Months |
Manappuram Gold Loan | 12.50% | Nil | 6 - 12 Months |
PNB Gold Loan | 11.00% | 0.70% to 1% | 6 - 12 Months |
Canara Bank Gold Loan | 10.75% | 1 % | 6 - 12 Months |
IndusInd Bank Gold Loan | 11.50% | 1% - 1.5% | 9 - 24 Months |
Gold Loan in Puducherry Documents Required
- 2 recent passport size photographs (colored)
- Signed Application form
- Land Proof: Only for agriculture loan above Rs 1 Lakh.(not required for allied agricultural purpose)
- Identity proof such as Driving License/Passport/Aadhar Card/PAN Card, etc.
- Proof of residence: Ration card/ Tel, Electricity Bill/ Rental bill/ Passport copy/Sales Tax certificate.
- Certificate by the Jewel Appraiser (Bank will arrange)
- Signature Proof: Driving License/Banker’s verification/Passport Copy/cheque.
- A Demand Promissory Note.
- Proof of Income (i.e. salary slips/ Form 16) of the borrower
Gold Loan in Puducherry Eligibility Criteria
- Applicant should be an Indian National
- He/She should be salaried or self-employed
- The minimum age of the individual should be 21 years and a maximum up to 60 years.
GOLD LOAN @ 0.75%*
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How to Apply for Gold Loan Puducherry
Online Process to Apply for Gold Loan Puducherry
- You can apply for the Gold Loan at Dialabank in no time
- Just fill an online form with necessary details
- Our relationship manager will then contact you and provide you the best offers
- You can also avail of document pick up facility from your doorstep.
- For more information, you can call on 9878981166.
Dialabank is considered as a leading platform to apply for a gold loan online. There are so many reasons behind this.
- Dialabank is India’s first financial helpline; it provides the best financial services to customers all over the country.
- Gold Loans can be availed at a low rate of interest with minimum documentation requirement
- Dialabank provides a document pickup facility from the doorstep of the customer.
- DialaBank doest not charge any additional service fees
- The Relationship managers of Dialabank are trained and assist the customer without any hesitance
Offline Process to Apply for Gold Loan Puducherry
To avail gold loan through offline process, the applicants need to search for the nearby banks offering Gold Loans and visit the nearest branch. Thereafter, their relationship manager will correspond and assist you according to your requirements.
Processing Fees / Prepayment Charges on Gold Loan Puducherry
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 Puducherry
CIBIL score is not required to avail gold loan