Gold Loan Uluberia

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    Gold Loan Uluberia

    Major Gold Loan Providers in Uluberia

    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 Uluberia Features

    Gold Loan Uluberia

    Running short out of cash?

    Do you not know what to do?

    Gold Loan is available for you; no need to worry. This loan requires less paperwork, as it is unsecured, and you can get your loan approved within 48 hours after all the verification process.

    GoldLoan Delhi loan provides financial aid to the customers at the best affordable interest rates. The applicant needs to have a consistent and good source of income and has good credit history to get a gold loan which will make the verification and loan approval process faster.

    Furthermore, you can get a loan up to 75 per cent of the market value of gold; this is due to fluctuation in the market price of gold.

    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

    You Can Call and Speak with a Gold Loan Relationship Manager on 9878981144

    Gold Loan Rates by Purity in Uluberia

    Updated - Gold Loan Per Gram Rate w.e.f Mar 15 2025

    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

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    Gold Loan Uluberia Interest Rates and Charges – Mar 15 2025

    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 Per Gram For All Major Bank in Uluberia – Mar 15 2025

    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 Uluberia

    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.

    Documents for Gold Loan Uluberia

    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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    Eligibility Criteria for Gold Loan Uluberia

    1. The minimum age of the individual should be 21 years and a maximum of up to 60 years.
    2. Must be having Indian Nationality.

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    How to Apply for Gold Loan Uluberia

    Online Process to Apply for Gold Loan Uluberia

    You can apply for a Gold Loan at Dialabank.

    You just have to fill a simple form online.

    After that, you will get a call back from our representative. Furthermore, you will get a document to pick up the facility from your doorstep.

    You can call on 9878981166 anytime, for more information.

    Dialabank is considered the best platform to apply for a gold loan online. So many reasons are there behind this, some of them are:

    1. It provides the best financial services to customers all over the country; Dialabank is India’s first financial helpline.
    2. Dialabank guides the customers free of cost. No additional charges of applying for a gold loan online on the website of Dialabank is demanded.
    3. One more benefit is that you will receive a high LTV of your gold on applying here.
    4. Besides that, the bank has a good reputation among the customers because of its best and fast services.
    5. You will get a low Gold Loan Interest Rate if you apply for a gold loan on Dialabank. 
    6. A document pickup facility is provided by Dialabank from the doorstep of the customer to ease the process.
    7. Also, very little paperwork is required while applying for a gold loan through Dialabank.
    8. Finally, to guide and serve you in the entire process of Gold Loan, the Relationship managers are trained thoroughly.

    Offline Process to Apply for Gold Loan Uluberia

    The applicant also can avail of Gold Loan from the nearby branches. Searching “Gold Loan near me” on google will help. All the branches of banks and finance companies providing loans near you will be enlisted. According to your preference and knowledge, you need to select them, but in a quicker and better manner, Dialabank can do that for you.

    Then you have to visit those departments and apply for the loan and have to visit many times before than loan gets finally approved.

    HDFC Gold Loan branches and Muthoot Gold Loan branches are some banks and finance companies where this process is much faster.

    You can also try to avail of loans from the Gold Loan Branches of most banks. As well as to find a branch that is nearby, search Muthoot Gold Loan near me. Google will enlist all the Muthoot Gold Loan Branches near you.

    Processing Fees / Prepayment Charges on Gold Loan Uluberia

    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

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    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

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

    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 @ 0.75%*

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    CIBIL Score Required for Gold Loan Uluberia

    Having a good CIBIL score is a must before applying for a gold loan; that is why every lending institution has its criteria for the minimum CIBIL score required for processing a Gold Loan application in Delhi. A minimum score of 750 to process your loan application is required by most institutions.

    Along with your present CIBIL score, the institutions also have a detailed look at your behaviour on the previous loans taken. This detail includes features on the type of loan taken and the amount borrowed. Any delayed payments for previous loans can become an obstacle to your availing of a fresh loan. So make sure your CIBIL score is good before applying for a loan.

    Gold Loan Uluberia Agents

    Dialabank is one of the leading and most trusted gold loan agents in Delhi. Give us a call at 9878981166, or you can apply online with dialabank.  

    By providing you with a detailed and structured market comparison of different banks so that you do not need to worry about the complex information and process you have to go through, and hence you can make the right choice, Dialabank helps you to find the best option between several Banks and NBFCs. Fill a simple form asking for some details by visiting our website www.dialabank.com, and after that, you will soon get in touch with our Relationship Managers.

    GOLD LOAN @ 0.75%*

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    Gold Loan Uluberia Contact Number

    Call 9878981166 and get instant help and approval for Gold Loan in Delhi right now.

    Pre Calculated EMI Table for Gold Loan Uluberia

    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 Uluberia

    Uluberia is a city and a municipality of Howrah district in the Indian state of West Bengal. It is the headquarters of the Uluberia subdivision. It is a part of the area covered by the Kolkata Metropolitan Development Authority. This city is famous for its industrial belts.


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

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    Gold Loan Uluberia FAQs

    What is the interest rate of an agriculture gold loan?

    The agricultural gold loan interest rate starts at 7% per annum. A person is required to provide proof of agricultural land and cultivation with the basic documents such as an Aadhaar/PAN Card that are required.

     What is an Agri gold loan?

    Agri gold loan is a loan against gold provided to farmers for agricultural purposes. The loan amount disbursed under the Agri gold loan can only be used for agriculture-related activities. The borrower has to provide proof of agricultural land and cultivation with the basic documents required for a loan.

    What is a Gold Loan EMI calculator?

    Gold loan calculator is a tool provided by Dialabank to calculate the worth of your gold and the loan amount you are eligible for based on the weight and purity of your gold. It is a basic tool to get an idea of how much loan you can avail of against your gold.