Jammu and Kashmir Bank Agriculture Gold Loan Features & Benefits
| Jammu and Kashmir Bank Agriculture Gold Loan Today | Gold Loan Rate Per Gram Today is ₹ 72,800 to ₹ 78,350 |
| Eligible Age | 18 to 75 years |
| Loan Amount Eligibility | Rs. 1,000 to Rs. 2 Cr |
| Documents Required | Basic KYC documents for address and identity proof. No income documents and no CIBIL score documents are required. |
| Purity of Gold | 18 carat to 22 carat |
| Type of Gold | Gold jewellery and gold coins of 18-24 carats |
| Loan to Value Ratio | 25% of the gold ornament’s market value |
The Jammu and Kashmir Bank Agriculture Gold Loan Rates range from ₹ 72,800 to ₹ 78,350. The Loan to Value Ratio for these Jammu and Kashmir Bank is also 25% of the Gold Ornaments Market Value. The Purity of the Gold for these Agriculture Gold Loan is also in between 18-24 carat Gold.
Jammu and Kashmir Bank Agriculture Gold Loan Calculator
- Dialabanks Jammu and Kashmir Bank Agriculture Gold Loan Calculator are utilized for the Gold Loan Amount assessment.
- The Jammu and Kashmir Bank has different parts to rely on. Some of them are the Purity of the Gold, Price of the Gold, and the Loan Value Ratio.
- The judiciousness of the Gold: The Purity of the Gold acknowledges a basic part in the Gold Loan Calculator of the Jammu and Kashmir Bank Agriculture Gold Loan. The Purity of the Gold Loan goes from 18-24 carat Gold. They in like way don’t check the heaviness of the Gold Gems and stones.
- Cost of the Gold: The Price of Gold relies on the Purity of the Gold. Considering the Purity of the Gold, just the Price of the Gold depends. So this is possibly the essential worry in the Banks.
Jammu and Kashmir Bank Agriculture Gold Loan Eligibility
There are certain requirements that are required to be fulfilled to avail a agriculture gold loan:
- The applicant should have attained at least 18 years of age
- The individual should have his own gold ornaments or articles that can be pledged
- The gold to be pledged should be 18 carats or above
- The applicant should have a decent CIBIL score
| Bank | Interest Rate | Lowest EMI/lakh | Eligible loan amount |
| HDFC Gold loan | 9.90% | Rs. 4614 | Rs 50 lakh for 24 months |
| Private Bank | 10% | Rs. 8,792 | Rs. 15 lakh for 12 months |
| Axis Bank | 15% | Rs. 4,849 | Rs. 20 lakh for 24 months |
| Yes Bank | 11.25% | Rs. 3,286 | Rs. 50 lakh for 36 months |
| Muthoot Gold loan | 12% | Rs. 3321 | Rs 1 cr. For 36 months |
| Mannapuram Gold loan | 12% | Rs. 8,885 | Rs 1 cr. For 12 months |
| Canara Bank | 7.65% | Rs. 8,683 | Rs. 10 lakh for 12 months |
| IIFL | 9.24% | Rs. 9,516 | Rs. 10 lakh for 11 months |
| IndusInd | 10.50% | Rs. 8,815 | Rs. 10 lakh for 12 months |
| Andhra Bank | 10.70% | Rs. 8,824 | Rs. 2 crores for 12 months |
| Federal Bank | 8.50% | Rs. 8,722 | Rs. 75 lakh for 12 months |
| SBI Gold loan | 7.50% | Rs. 3111 | 20 lakh for 36 months |
Documents Required for Jammu and Kashmir Bank Agriculture Gold Loan
| Photographs | 2 Passport-Sized photos, latest, coloured, clear, without spectacles |
| Identity Proof | Passport: Valid Copy of passport both front and last page Voters ID card: Copy of Valid Voter Identity Card Driving License: Copy of Driving license which is valid. Adhar card: Copy of Adhar Card with current information |
| Residence Proof | Passport: Valid Copy of passport both front and last page Voters ID card: Copy of Valid Voter Identity Card Driving License: Copy of Driving license which is valid. Adhar card: Copy of Adhar Card with current information Utility Bills on the name of the applicant. Sales Tax Certificate Rental Agreement |
| Agricultural Land Proof | Required only if the Loan is taken for Agricultural Purpose. In the case of an Agriculture Loan on the gold of more than Rs. 1 lakh there is no requirement of proof for allied agriculture purposes. |
| Demand Promissory Note | Certificate by the Jewel Appraiser (Bank will arrange) |
Jammu and Kashmir Bank Agriculture Gold Loan Rate Per Gram by Gold Purity
The above table shows the method by which Banks will calculate your per gram gold loan for gold of varying purity.
Gold Purity
Gold Rate Per Gram- Average Of Past 30 Days
Highest Gold Loan Per Gram
Lowest Gold Loan Per Gram
22 carat
₹ 4,620
₹ 4,999
₹ 4,956
20 carat
₹ 3,939
₹ 4,178
₹ 3,795
18 carat
₹ 3,545
₹ 3,784
₹ 3,460
In the above table, you can see the Agriculture Gold Loan Rates Per Gram dependent on the Gold Purity. In light of the Gold Purity, the cost of the Gold chooses. There are both most noteworthy and least qualities in the Gold Loan Rates Per Gram dependent on the Gold Purity.
Jammu and Kashmir Bank Agriculture Gold Loan Interest Rates Per Gram
The following table shows the Jammu and Kashmir Bank Agriculture Gold Loan Interest Rates Per Gram – Updated Jan 07 2025
Updated - Gold Loan Per Gram Rate w.e.f Jan 07 2025
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
Historical Gold Loan Rates Per Gram
The following table shows the Historical Gold Loan Rates.
This Table Contains the Average Annual Gold Rate from 1965 - 2022
Year
Price (24 karat per 10 grams)
Year
Price (24 karat per 10 grams)
2023
₹ 54,699
1994
₹ 4,598
2022
₹ 52,950
1993
₹ 4,140
2021
₹ 50,045
1992
₹ 4,334
2020
₹ 48,651
1991
₹ 3,466
2019
₹ 35,220
1990
₹ 3,200
2018
₹ 31,438
1989
₹ 3,140
2017
₹ 29,667
1988
₹ 3,130
2016
₹ 28,623
1987
₹ 2,570
2015
₹ 26,343
1986
₹ 2,140
2014
₹ 28,006
1985
₹ 2,130
2013
₹ 29,600
1984
₹ 1,970
2012
₹ 31,050
1983
₹ 1,800
2011
₹ 26,400
1982
₹ 1,645
2010
₹ 18,500
1981
₹ 1,800
2009
₹ 14,500
1980
₹ 1,330
2008
₹ 12,500
1979
₹ 937
2007
₹ 10,800
1978
₹ 685
2006
₹ 8,400
1977
₹ 486
2005
₹ 7,000
1976
₹ 432
2004
₹ 5,850
1975
₹ 540
2003
₹ 5,600
1974
₹ 506
2002
₹ 4,990
1973
₹ 279
2001
₹ 4,300
1972
₹ 202
2000
₹ 4,400
1971
₹ 193
1999
₹ 4,234
1970
₹ 184
1998
₹ 4,045
1969
₹ 176
1997
₹ 4,725
1968
₹ 162
1996
₹ 5,160
1967
₹ 103
1995
₹ 4,680
1966
₹ 84
1994
₹ 4,598
1965
₹ 72
Major Banks Agriculture Gold Loan Per Gram Rate Comparison
Feature
HDFC Bank
SBI
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
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
Tips to Get The Highest Agriculture Gold Loan Amount from Jammu and Kashmir Bank
- There are various parts that can benefit the Highest Agriculture Gold Loan Amount from the Jammu and Kashmir Bank. These are Purity of the Gold, weight of the Gold, Price of the Gold, Loan to Value Ratio.
- These are a piece of the portions that are used for the Agriculture Gold Loan.
- There is a biggest LTV of 75% in the Agriculture Gold Loans.
- Expecting you can get the best LTV, you can benefit from the best Gold Loans. Use the Gold that has no jewels and stones.
- Association Jammu and Kashmir Bank have the perfection of 22 carat Gold in these Agriculture Gold Loans.
- Banks pick the meaning of the Gold Loan. It diminishes the substantialness of the Gold Gems and stones. Since banks decrease these diamonds and stones which is of no usage in the bank.
