Features of Jharkhand Gramin Bank Gold Loan
Jharkhand Gramin Bank is a Regional Rural Bank which was established on 1 April 2019. Customers can apply for Gold Loans in Jharkhand Gramin Bank. For more queries regarding Gold Loans, Dialabank is always there for its customers.
The key features of Jharkhand Gramin Bank Gold Loan are as follows:
Interest Rate: The interest rate in Jharkhand Gramin Bank for Gold Loan is 7% per annum.
Zero Processing Fees: Several banks and NBFCs don’t charge any processing fees since gold loans are provided instantly with gold as collateral control by the bank.
Prepayment Charges: Gold Prepayment Charges are 2%+GST within three months and zero after three months.
Rate Per Gram: Gold Loan Rate Per Gram is from ₹ 3,506 to ₹ 4,621
Jharkhand Gramin Bank Gold Loan Comparision with banks
| Bank / NBFC | Rate Per Gram | Interest Rate | Gold Loan Tenure | Min – Max Loan Amount |
| ₹ 3,506 to ₹ 4,621 | 0.099 | 3 to 24 months | ₹ 10 thousand to 5 crore | |
| Private Gold Loan | ₹ 3,506 to ₹ 4,621 | 0.1 | 6 to 12 months | ₹ 10 thousand to 5 crore |
| ₹ 3,506 to ₹ 4,621 | 0.12 | 7 days to 36 months | ₹ 3 thousand to 1 crore | |
| ₹ 3,506 to ₹ 4,621 | 0.1225 | 12 months | ₹ 3 thousand to 1 crore | |
| ₹ 3,506 to ₹ 4,621 | 0.1025 | 36 months | ₹ 20 thousand to 50 lakh | |
| ₹ 3,506 to ₹ 4,621 | 0.1 | 3 to 36 months | ₹ 10 thousand to 5 crore | |
| SBI Gold Loan | ₹ 3,506 to ₹ 4,621 | 0.0975 | 12 to 36 months | ₹ 20 thousand to 50 lakh |
| ₹ 3,506 to ₹ 4,621 | 0.075 | 3 to 36 months | ₹ 20 thousand to 50 lakh | |
| ₹ 3,506 to ₹ 4,621 | 0.1025 | 12 months | ₹ 20 thousand to 50 lakh | |
| ₹ 3,506 to ₹ 4,621 | 0.1025 | 12 months | ₹ 10 thousand to 5 crore | |
| IIFL Gold Loan | ₹ 3,506 to ₹ 4,621 | 0.12 | 11 months | ₹ 3 thousand to 50 lakh |
Jharkhand Gramin Bank Gold Loan EMI calculator
Jharkhand Gramin Bank EMI Calculator calculates your monthly EMI at the chosen rate for a selected period. The EMI is set by the loan quantity, rate, and loan term.
Loan quantity: If customers take a bigger gold loan online, then ultimately the EMI goes higher.
Interest rate: As The Interest rate is directly proportional to the value of EMI. The higher the rate greater the EMI.
Loan Duration: In the case of an extended loan amount/period, the EMI on a gold loan is reduced.
Customers can check all the details regarding Gold Loans on Dialabank’s website. Dialabank is the most trustworthy agent in providing Gold Loans to its customers.
Jharkhand Gramin Bank Gold Loan Documents Required
Jharkhand Gramin Bank Gold Loan Documents Required are mentioned below:
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
Jharkhand Gramin Bank Gold Loan Documents Required – FAQs
✅ How much Gold Loan one can get per gram in Jharkhand Gramin Bank?
Jharkhand Gramin Bank Gold Loan rate per gram depends on the purity of gold and the current price prevailing in the market.
✅ Who is eligible for a gold loan?
Any Indian national above the age of eighteen years and less than seventy years is eligible for a jewellery mortgage. Some banks need you to own a co-borrower if the credit applicant’s age is higher than seventy years.
✅ Can the gold loan be transferred?
The process to transfer a gold loan from one investor to a different is named as gold loan balance transfer. You’ll transfer the gold loan account from one investor to a different one if you’re not pleased with client service or have gotten a lower rate from another bank.
