Gold Loan Sonipat

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Gold Loan Sonipat

Best Banks for Gold Loan in Sonipat

Feature
HDFC Bank
Private Bank
Muthoot Finance
Interest Rate
9.90%
10.50%
12%
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
Preclosure Chgs
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
2500
2600
2700*

Gold Loan Sonipat Features

Will your cash reserve deplete soon? Get a gold loan now! What is a gold loan?Gold Loan Sonipat If we talk about the gold loan is a successful solution to remove the financial problems faced by the customer. A gold loan is the best financial tool that helps a person to meet the required amount without any hassle. A person who is not eligible for any other loan can apply for a gold loan. Many banks and NBFCs in India offer this financial service that anyone can easily take advantage of. The applicant can get up to 75 percent of the market value of the gold even in sudden price fluctuations in the gold market.

This loan requires minimum paperwork as it is secured and you can get your loan approved within 48 hours after all the verification process.

Gold Loan in Sonipat provides proper financial aid to the customers at the best affordable interest rates as low as 7 percent. To get a Gold loan, the applicant needs to have a proper and reliable source of income and must a perfect credit history, which will make the verification and loan approval process much faster.

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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

You can Call and Speak with a Gold Loan North Sonipat Relationship Manager on 9878981144
 

Gold Loan Sonipat Interest Rates Jul 26 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%

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Gold Loan Per Gram For All Major Bank in SonipatJul 26 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

Gold Loan Eligibility Criteria in Sonipat

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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Gold Loan Sonipat Eligibility & EMI Calculator

Documents for Gold Loan Sonipat

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

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Gold Loan Sonipat in Eligibility Criteria 

  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

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How to Apply for Gold Loan Sonipat

Online Process to Apply for Gold Loan Sonipat

You can easily apply for the Gold Loan per gram in available banks such as Private, Axis, HDFC and others through Dialabank online by filling up a simple user-friendly form. In a short time, you will receive a call from our trained representative. Furthermore, Dialabank provides you with a pick-up facility of your documents from your doorstep. For further information, you can call on +919878981166 anytime. Consider Dialabank as the best platform to apply for a gold loan online, because it is rated the best by its users. There are many reasons behind this, some of them are:

  1. Dialabank is the first financial helpline in India providing the best-known financial services to its customers all over the country.
  2. Dialabank guides the customers cost-free, as it charges no additional cost of applying for a gold loan online on the website of Dialabank.
  3. You can get a high Loan-to-Value (LTV) of your gold with Dialabank.
  4. Dialabank is connected with leading Banks such as HDFC, Private, Axis, Muthoot, Yes bank and many others.
  5. Besides that, the bank has a high reputation among its customers because of its best and fast services.
  6. Applying for a gold loan on Dialabank will get a low Gold Loan Interest Rate.
  7. Dialabank provides a facility of document pickup from the applicant’s doorstep to ease the process.
  8. Processing your gold loan through Dialabank requires minimum paperwork.
  9. Finally, the Relationship managers are highly trained to guide and serve you in the entire process of Gold Loan.
Offline Process to Apply for Gold Loan Sonipat

The applicant can also choose to avail of Gold Loan from the nearby physical branches. This can be done by searching ‘Gold Loan near me’ on google. It will enlist all the closest branches of banks and finance companies providing loans near your location. Please select them according to your preference and knowledge. However, Dialabank can do that for you in a quicker and organized manner. But if you choose to go with a physical branch which is near you, the applicant might have to visit the responsible departments to apply for the loan, again and again, before than loan gets finally approved as it is a complex process. However, some banks and finance companies can approve the loan process faster. Our recommendations are HDFC Gold Loan branches and Muthoot Gold Loan branches. But again, Dialabank can do this even faster by handling all complex processes. You just need to apply to believe.

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Processing Fees / Prepayment Charges on Gold Loan Sonipat

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

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CIBIL Score Required for Gold Loan Sonipat

No CIBIL score is required for Gold Loan, A gold article is a must. A good CIBIL score is a must before applying for a loan other than a gold loan. It is basically a foundation for your loan, for this reason, every lending institution has its own guided criteria for the minimum required CIBIL score for processing a Loan application in Aizawl. Generally, most of the institutions require a minimum CIBIL score of 750 to process your loan application without any failure. It is not just your CIBIL score, many institutions also look at the detailed behavior on the previous loans taken by you, including details on the type of loan and the loan amount, payment schedules and if all deadlines are met while repayment. Making sure your CIBIL score is good before applying for a loan is a good practice.

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

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

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Gold Loan in Sonipat Agents and Contact Number

One of the leading and most trusted gold loan agents in Sonipat is Dialabank. You can apply online at Dialabank or give us a call. Dialabank works as a bridge to find the best option between several Banks and NBFCs by providing you with a detailed and structured market comparison of different banks. This eliminates the unnecessary worries about the complex information and process you have to go through. So, you can make the right choice. Visit our website Dialabank to fill a simple form for more details and our customer relationship managers will soon get in touch with you. Contact Number – +919878981166

Pre Calculated EMI Table for Gold Loan Sonipat

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 Sonipat

Sonipat, also known as Sonepat, is a historical city and public authorities in the Sonipat district in the state of Haryana, India. It comes under the Nationwide Capital Area and is around 20 km from Delhi’s Boundary. The Yamuna Stream operates along the southern edge of the section.

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Gold Loan Sonipat FAQs

✅ How to get Gold Loan in Sonipat?

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 Sonipat?

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 highest LTV ratio to name a few.