J and K Grameen Bank Gold Loan

A J and K Grameen Bank loan on Gold is a loan in which a borrower can get a loan against gold. It is a secured loan. In the gold, the loan bank will take the borrower’s gold to give the loan to the borrower. Bank will receive a borrower’s gold as a security.  Bank will take full responsibility for the borrower’s gold.

1. Firstly Lower interest rate.

2. Secondly Faster processing.

3. Thirdly, Your Gold is safe and secured in a bank locker.

4. You can use the gold loan money for any personal purpose.

5. Basic documentation only, No CIBIL score.

6. Furthermore, Flexible repayment options as well as lower monthly outflow.

7. Besides that Low processing fees.

8. No prepayment or foreclosure charges.

9. Bad credit history, not an issue.

10. Instant Processing and Disbursal.

11. Besides, You can borrow in thousands to 15 lakhs.

Advantages of J and K Grameena Bank Gold Loan

 

1. Instant Gold Loan: To begin with, loan on gold the bank sanctions Gold Loan quickly. The sum of the loan ranges from Rs. Ten thousand to Rs. 15 Lacs. The amount of quantity can be availed over the counter rapidly.
2. Gold Coins: Secondly, this bank can also be avail against the security of 24-Karat gold coins which holds complete purity issues by banks operating in India. However, the weight of gold cannot exceed more than fifty grams per customer. The rules are laid down by RBI and are subject to change.
3. Loan Tenure: Also, When it comes to availing the gold loan, then it holds the minimum duration of a half year to a most extreme of a year.
4. Attractive interest rates: the Fascinating rate of interest: On per gram of gold, the borrower can get the fascinating interest rate. Take a glimpse at the gold’s recent running interest rate.
5. Foreclosure: The bank charges a borrower up to .50% on the principal outstanding in case of a Gold Loan Foreclosure.

In general loan on gold, credit is available at a low interest rate. Moreover, the reason behind that the Gold Loan comes in the category of secured loans. So the J and K Grameena Bank Gold loan interest rate is less than that of a personal loan or any other kind of loans. Though the gold loan rate keeps on changing from time to time as well as person to person.

 

Gold Loan Rate	10.70% p.a.
Repayment Scheme	Bullet Repayment Scheme, Overdraft Scheme
Prepayment Charges	Nil
Service Charges	variable
Document Charges	variable
Gold Valuation Charges	Up to Rs 5.00 lacs – Rs 500.00 plus applicable GST. Above Rs 5.00 lacs – Rs 700.00 plus applicable GST.
Processing Fee	Rs. 500 + GST

Age	21-70 years of age
Nationality	Indian
Employment Status	Salaried, Self-Employed
Gold Quality, Quantity	Minimum 18 Carats, minimum 10 grams
Requirements	Gold ornaments (18-22 carats)
CIBIL score	Above 500

1. Firstly, You can get a J and K Grameena Bank gold loan online, no need to go anywhere.

2. Secondly, High Funding is available to the customers

3. Thirdly, it also provides Gold Loan with a flexible repayment scheme with multiple options.

4. Additionally, there are no prepayment charges in Bandhan Bank

5. Bandhan Bank also provides instant approval and sanctioning of the Loan

6. Moreover, J&K Gramin Bank Gold Loan also offers quick disbursals

7. Bandhan bank also requires minimum documentation for the loan approval

8. Furthermore, it also provides safe and secure custody of the Gold

9. Additionally, it also provides a low rate of interest

10. J and K Grameen Bank Gold Loan also provides a maximum of Rs 10 lakh loan

11. Lastly, You can easily apply for the Gold Loan in Bandhan Bank.

• the loan seeker has to fill a form Online with current information.
• You get a call from our Relationship Manager to clear all doubts and to assist you in the entire process of the loan.
• The best Gold Loan Interest Rate is suggested to you by our managers.
• you can check your eligibility for further clarification of the approval of a loan.
• Deposit all the documents required as proofs in the banks.
• the loan is approved in a few minutes as well as disbursed within a day.
• Besides the above process, If you want to talk to us directly, call us at 9878981144.

1. Dialabank helps solve all of your queries.
2. You can apply for the best loans through Dialabank without getting out of your houses.
3. Dialabank helps you compare all the offers and choose the one that fits your best.
4. Dialabank does not charge for its services.
5. There are no hidden charges.

✅ What is J and K Grameen Bank Gold Loan?

J and K Grameen Bank gold loan is funding provided by the J and K Grameen Bank to its customers and borrowers. The loan is very easy to avail of and is disbursed in a few hours. It is the answer to all the financial requirements.

✅ How Can I Get Gold Loan From J and K Grameen Bank?

To get a gold loan From J and K Grameen Bank, you can visit its nearest bank branch with your documents and gold jewellery or apply online through its digital platform. You can also apply online through Dialabank.

 ✅How much Gold Loan Can I get per gram from J and K Grameen Bank?

The Gold loan per gram that you can get from J and K Grameen Bans is affected by a lot of factors such as the value of your collateral and its purity. The bank gives a 70% loan to collateral value.

✅ How Does J and K Grameen Gold Loan work?

J and K Grameen Loan works in a way that facilitates its customers. All the borrowers have to do is take their documents and gold collateral, which will be valued at the bank. After the valuation, the bank will offer a loan amount. If accepted by the customer, the amount will be sanctioned.

✅ What is the Gold Loan interest rate in J and K Grameen Bank?

The gold loan interest rate in J and K bank starts at just 10.70%. This can go up if you don’t have a stable income or a good CIBIL score.

✅What is the maximum gold loan amount I can avail of on a gold loan from J and K Grameen Bank?

J and K Grameen Bank allows you to avail of a maximum loan amount of Rs. 15 lakhs. The lowest amount allowed is Rs. 10 thousand.

 ✅How much processing fee is applicable to the J and K Grameen Bank Gold loan?

The applicable processing fee on the J and K Grameen Bank gold loan a meagre Rs. 500. You don’t have to pay this amount separately as this will be deducted from your loan amount.

✅ What are the charges for pre-payment in the J and K Grameen Bank gold loan?

The prepayment charges on the J and K Grameen Bank gold loan nil. You don’t have to pay anything to prepay or foreclose your loan.

✅What if I can’t pay the interest on the J and K Grameen Bank Gold loan for 3 months?

If you fail to pay your J and K Grameen Bank gold loan interest for 3 months, the bank will first serve you with a legal notice and might charge you a high late fee. Moreover, your credit score will be affected negatively and your gold jewellery will be seized.

✅How can I apply for the EMI moratorium on the J and K Grameen Bank Gold loan?

Applying for an EMI Moratorium on the J and K Grameen Bank Gold loan is very easy. You have to visit the bank branch or its website for that, only until 5 days before you have to pay your EMI

✅What is the Overdraft Scheme for J and K Grameena Bank Gold Loan?

J and K Grameena Bank does provide an Overdraft Scheme and the overall loan amount will have a Credit/Loan Limit. In the J and K Grameena Bank Gold Loan Overdraft facility, the bank charges interest only on the amount that you will withdraw/utilize.

✅What are the J and K Grameena Bank Gold Loan closure procedure?

Once the loan is paid, the bank will close your gold loan immediately.

✅What are the J and K Grameena Bank customer care number?

The customer care number for J and K Grameena Bank is 9878981144.

✅ What are J and K Grameena Bank Gold Loan Preclosure charges?

The bank chooses the preclosure charges and changes them from time to time. 

✅What is the maximum gold loan tenure?

The maximum tenure for J and K Grameena Gold Loan is up to 12 months

✅ What is the minimum gold loan tenure?

The minimum tenure for a J and K Grameena Gold Loan is 3 months. 

✅ What are the foreclosure charges of the J and K Grameena Bank Gold Loan?

J and K Grameena Bank charges an interested borrower up to .50% on the principal amount in case of a Gold Loan Foreclosure.

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