Best Banks for Gold Loan in Trivandrum
Gold Loan Trivandrum Features
Gold Loans are accessible for short-term credits as most of the major banks and NBFCs provide the facility at a low rate of interest and minimum documentation. Gold Loan is a secured loan that can be get by keeping your Gold ornaments/Jewelry as collateral or security deposit. Banks sanction Gold loans easily because you repay the loan amount in the form of interest in a specific duration of time. The amount of loan varies upon the purity of gold and if you will not able to repay, the loan can be renewed too. Avail gold loan in no time.
GOLD LOAN @ 0.75%*
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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
Gold Loan Rate Per Gram Today in Trivandrum – Dec 03 2024
Updated - Gold Loan Per Gram Rate w.e.f Dec 03 2024
Gold Weight
Gold Purity
24 CaratGold Purity
22 CaratGold Purity
20 CaratGold 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
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Gold Loan in Trivandrum Interest Rates and Charges – Dec 03 2024
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 Eligibility Criteria in Trivandrum
Minimum and Maximum Age
Note: However, many banks require a minimum age of 23 years
Loan Amount
Interest rates are lower for a higher loan amount
Employment Type
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
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
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 with 18-24 carat purity
Employment track record and income proofs
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Gold Loan in Trivandrum Documents Required
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
Gold Loan in Trivandrum Eligibility Criteria
- The minimum age of the borrower should be 21 years and a maximum of up to 60 years.
- The applicant should be salaried or self-employed.
- The applicant should be an Indian.
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How to Apply for Gold Loan Trivandrum
Online Process to Apply for Gold Loan Trivandrum
- Dialabank offers you the opportunity to avail of the gold loan in just a few steps.
- You have to fill an online form which requires your personal details.
- Our executives will then call you for any assistance required.
- For more information about Gold Loan Trivandrum, you can call on 9878981166.
Dialabank is considered the best platform to apply for a gold loan online cause of the following reasons:
- Dialabank is India’s first financial helpline; It provides the best financial services to customers in India.
- There is no processing fee or additional charges for getting the service through Dialabank.
- Dialabank provides a document pick-up facility from your home.
- The executives of Dialabank are trained and assist the customer without any issue.
- At Dialabank, you will be provided with the best gold loan interest rate.
Offline Process to Apply for Gold Loan Trivandrum
Gold Loan can also be availed by an offline process which requires the candidate to do prior market research and visit the bank.
The applicants need to check out for the nearby banks providing Gold Loans and visit them during their working hours. Thereafter, their customer relationship manager will assist you according to your requirements.
Processing Fees / Prepayment Charges on Gold Loan Trivandrum
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EMI Gold Loan Scheme with Bullet Repayment Scheme Comparison
Monthly Payment
EMI Scheme (₹)
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
₹ 3 Lakh
Total Payment
₹ 3.24 Lakh
₹ 3.44 Lakh
CIBIL Score Required for Gold Loan Trivandrum
Gold loan is provided by almost all the banks irrespective of the CIBIL score. The applicant needs to fulfill the eligibility criteria.
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Compare Gold Loan Rate Per Gram and Lowest EMI of All banks in Trivandrum
Bank
Interest Rate
Lowest EMI Per Lakh
SBI Gold Loan
7.50%
Rs. 3,111
Muthoot Gold Loan
11.99%
Rs. 3,321
Manappuram Gold Loan
12.00%
Rs. 8,885
HDFC Bank Gold Loan
9.90%
Rs. 4,591
Yes Bank Gold Loan
9.99%
Rs. 3,226
Private Bank Gold Loan
10.00%
Rs. 8,792
Federal Bank Gold Loan
8.50%
Rs. 8,722
Canara Bank Gold Loan
7.65%
Rs. 8,683
Andhra Bank Gold Loan
10.70%
Rs. 8,824
Axis Bank Gold Loan
13.00%
Rs. 4,754
IndusInd Bank Gold Loan
10.00%
Rs. 8,792
PNB Gold Loan
8.75%
Rs. 8,734
Fincare Small Finance Bank Gold Loan
12.99%
Rs. 11,721
Gold Loan Trivandrum Agent and Contact Number
Dialabank is the leading agent for availing Gold Loan in Trivandrum. Apply online at www.Dialabank.com or give a call at 9878981166
Dialabank helps you in providing the best option of Banks and NBFCs by providing you with a detailed market comparison of different banks so that you can make the right choice. Visit our website and fill an online form using your personal and employment details. Our executives will soon get in touch with you immediately.
GOLD LOAN @ 0.75%*
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Gold Loan Trivandrum Contact Number
Call 9878981166 and get instant help and approval for Gold Loan in Trivandrum.
Pre Calculated EMI Table for Gold Loan Trivandrum
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About Trivandrum
Trivandrum is a city in the state of Kerala famous for its tourist attraction. Numerous beaches, backwaters, and temples add to the natural beauty of the place.
Other Gold loan cities in Kerala
Gold Loan Tirur | Gold Loan Thrippunithura |
Gold Loan Thodupuzha | Gold Loan Thiruvilwamala |
Gold Loan Thiruvananthapuram | Gold Loan Thiruvalla |
Gold Loan Taliparamba | Gold Loan Sulthan Bathery |
Special Note: Always check Gold Loan Rate Per Gram before applying for a loan against gold.
Gold Loan Trivandrum FAQs
✅ Who can take out a gold loan?
You must be between the ages of 18 and 65 to be eligible for a Gold Loan. The loan repayment period is also a part of the Gold Loan eligibility criterion. Gold Loans are typically available for a minimum and maximum tenure of 6 and 24 months, respectively, and you should be able to repay the loan within this time frame.
✅ 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.
✅ How long does a gold loan take?
If KYC and three colour pictures are available, a gold loan can be approved in about 90 to 120 minutes from start to finish. If the customer needs to obtain KYC documents, pictures, or other information, there may be a delay.