Gold Loan Providers in Vita
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 |
Attributes of Gold Loan Vita 
Do you want money for your desires? Do you think about your financial problems? Do you upset or tense about your financial problems? Do not tense, just find a way to fulfil your desires. Just get up and find out the ways to solve your financial problems. You will get rid of your problems after applying for Gold Loan.
There is an availability of Gold Loan online for you. No lengthy paperwork is needed. After verification, your gold loan will get approved in 48 hours.
At a reasonable interest rate, Gold Loan Vita provides financial aid to their customers. An individual needed a good income source and a good credit history. This bank will process at a faster rate.
Due to variations in the market rate of gold, you can get loan up to 75% of the market price.
Gold Loan Vita 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 Vita
- Identity Proof: Passport Copy, Voter Id, Driving Licence OR Aadhaar Card.
- Address Proof: Ration Card, Electricity Bill, Rental Bill, Trade Licence, Shop Licence OR Sales Tax Certificate.
- Signature Proof: Passport Copy, Driving Licence, Banker’s Verification OR Cheque.
- A number of Passport Sized Photos: 2
Supplementary Documents Required for Gold Loan Vita
- Ther is no need for land proof if you are applying for per gram Gold Loan. of more than 1 Lakh Rupees.
- There is a requirement of a promissory note.
- Bank will arrange the Jewel Appraiser Certification.
- Certified Salary and Form Number 16 is essential for income proof.
Suitable Criteria for Gold Loan Vita
- An applicant has the Minimum Age: 21years
- An applicant has the Maximum Age: 60years
- An applicant must be Indian Citizen.
GOLD LOAN @ 0.75%*
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Apply for Gold Loan Vita
Online Processing for Apply for Gold Loan Vita
- An individual can apply for HDFC Bank for Gold Loan Interest Rate through Dialabank.
- Visit here at Dialabank.com.
- For any query, call at 9878981144.
- Bank representative will call you back.
- Documents will pick up from your gate.
Dialabank is regarded as the best platform to apply for a Gold Loan. The reasons for the best platform are the following:
- India’s first financial helpline: Dialabank
- This bank provides best services.
- Get a high LTV of your gold.
- No additional charges.
- Good reputation.
- No heavy paperwork.
- The facility of documents picking from your home.
- Relationship managers will guide you for the entire process of Gold Loan.
Offline Processing for Apply for Gold Loan Vita
An applier has an option to avail Gold Loan from nearby banks or branches of banks. Type list of all the branches of banks and finance companies near me. You will choose according to your reachability. But, you can get easy access through Dialabank because Dialabank’s processing is faster and better.
Processing Fees Or Prepayment Charges on Gold Loan Vita
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 Needed for Gold Loan Vita
- Applying for Gold Loan: Good CIBIL score
- Minimum CIBIL score: 750.
- Detailed behaviour: On the basis of previous loans
- The barrier to Gold Loan: Delayed payments
- Sure about CIBIL score: Good
Gold Loan Vita Representative
- Visit on website Dialabank.com.
- Just call at 9878981144.
- The best option provided by Dialabank.
- Diala Bank compares between Banks and NBFCs.
- Provision of detailed and structured comparison.
- Helps you to choose right option always.
- Then you will get in touch with relationship managers.