KLM Gold Loan


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KLM Gold Loan

KLM Gold Loan Key Features – Apply Online

KLM Gold Loan Interest Rate 7.25% per annum
KLM Gold Loan Per Gram
KLM Gold Loan Per Gram Today is ₹ 3,800 to ₹ 4,350
KLM Gold Loan Processing Fee
1.50% of the Principal Loan Amount
Maximum Loan Amount
Up to Rs. 1 Crore (With Income Proof)
KLM Gold Loan Prepayment Charges
2%+GST (Within 3 Months), 0 (After 3 months)
KLM Gold Loan Repayment Tenure
3 Months to 24 Months
KLM Gold Loan Repayment Scheme
Bullet Payment Scheme, Overdraft Scheme

RBI has expanded the LTV (Loan to Value) proportion for Gold Loan from 75% to 90% till 31st March 2021. KLM Bank gives a Gold Loan for each gram pace of ₹ 3,800 to ₹ 4,350 in accordance with the current gold rate. The best KLM Gold loan Rate per gram is ₹ 3,800 to ₹ 4,350 for 22 Carat gold, estimated at the greatest 85% loan to esteem and the average gold cost throughout the previous one month for 22-carat is ₹ 3,800 to ₹ 4,350.

KLM Gold Loan Explanation

KLM gold loan can be benefited to meet an urgent requirement for cash by swearing one’s gold trimmings or gold coins as insurance. A Gold loan is one of the speediest and most effortless methods of getting money and can be profited by any current client of the KLM Bank, just as new borrowers. However, with KLM Bank, you won’t just benefit the Jewel Loan effectively, yet it will likewise be at a cutthroat interest rate.

KLM Gold Loan Comparison With Other Banks

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 9.50% 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 10.00% Rs. 8,792 Rs. 15 Lakh for 12 months
Federal Bank 8.50% Rs. 8,722 Rs. 75 Lakh for 12 months
Canara Bank 7.65% Rs. 8,683 Rs. 10 Lakh for 12 months
Andhra Bank 10.70% Rs. 8,824 Rs. 2 Cr for 12 months
Axis Bank 13.00% Rs. 4,754 Rs. 20 Lakh for 24 months
IndusInd Bank 10.00% Rs. 8,792 Rs. 10 Lakh for 12 months
PNB 8.75% Rs. 8,734 Rs. 10 Lakh for 12 months
Fincare Small Finance Bank 12.99% Rs. 11,721 Rs. 40 Lakh for 9 Months

Tips To Get Gold Loan From KLM 

  • KLM Bank acknowledges both hallmarked and non-hallmarked gems in return for cash. Nonetheless, you can get the most elevated gold loan per gram for any trademark gem since it decreases the odds of under-valuation by the valuer.
  • KLM Bank can change the cost of 22-carat gold for the immaculateness of Gold. Hence, one ought to likewise attempt to get against adornments of higher virtue since it gets the most elevated sum for a Jewelry Loan.
  • KLM Bank will compute the net load of the adornments to ascertain the measure of Loan against the Gold you can get. You can generally attempt to pick gems that have the least diamonds and stones. The majority of the banks will diminish the heaviness of pearls and stones from the complete load of the adornments. Yet, KLM Bank will depend on the report of its gold valuer to compute the net weight. Higher the heaviness of diamonds and stones in adornments bring down the net weight and worth of gems which brings about a lower measure of gem loan you can are qualified to get.

Advantages Of KLM Bank Gold LoanKLM Gold Loan

  • Quick Process: The KLM Gold Loan is affirmed and dispensed rapidly and without any problem. The Loan gets passed in 60 minutes.
  • Fewer Documents: The documentation interaction is clear and less, crucial records are needed for the KLM gold loan.
  • Straightforward System: The bank gives full straightforwardness to the client; that is, there are no secret charges.
  • The measure of Loan: The base measure of Loan that KLM gives to the client is Rs. 15000. Likewise, It can be not as much as Rs 10000 in provincial regions.
  • The wellbeing of Jewellery: One significant thing to note is that the bank is responsible completely for the security of your Gold. In this way, the Gold is kept in flame-resistant insurance.
  • Loan Tenure: The residency of the Loan can be from 3 months to 2 years. Henceforth, You can pick as indicated by your solaces.
  • Advantages for Farmers: KLM bank gives some unique proposals for rural purposes. That is, the bank offers a slightly low Gold loan interest rate for a Gold loan for horticultural use.
  • No Debt Burden: There can be circumstances in which a candidate can’t reimburse the loan sum; in such a case, the candidate won’t be under obligations as the bank will seize the adornments.
  • No Income limits: There are no limitations on the compensation or pay of the candidate; consequently, anybody with any pay fierceness can profit from a gold loan.
  • Dispossession: KLM bank energizes the borrower to 0.50% of the remarkable head obligation in case of a Gold Loan Foreclosure.

KLM Bank Gold Loan Per Gram Rate – May 26 2024

Updated - Gold Loan Per Gram Rate w.e.f May 26 2024

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

About KLM Bank Gold Loan

Life is loaded with vulnerabilities. Consequently, you may require cash to adapt up to monetary obstacles in your day to day existence. For this situation, you can get a Gold Loan to battle the monetary emergency. A gold loan is a gotten loan. Along with these lines, individuals with low CIBIL scores can likewise effectively profit from this help. KLM Gold Loan is extraordinary compared to other gold loans in India.

However, there is a ton of money banking and non-banking organizations that furnish you with a gold loan, but KLM Gold Loan is thought about the best. KLM Bank was set up in 1994. It is perhaps the most presumed and solid bank in India. Likewise, It is known for its splendid monetary administrations.

  • KLM Gold Loan Interest Rate is 7.25% per annum
  • KLM Gold Loan Rate Per Gram Today is ₹ 3,800 to ₹ 4,350
  • KLM Gold Loan Tenure: Up to 24 months
  • KLM Gold Loan Processing Fee is Up to 1.50% of the Loan Amount + GST

KLM Gold Loan Eligibility

The loan seeker can avail of a Gold Loan only if the following eligibility criteria are fulfilled:

18-70 years of age
Nationality Indian
Employment Status
Salaried, Self-Employed
Gold Quality
Minimum 18 Carats

KLM Bank Gold Loan Documents Required

The documentation process is not that complex in KLM Gold Loan. The documents required for applying for the Loan are listed below :

Photographs 2 Passport Size
Identity Proof Aadhar Card, Passport, PAN Card, etc. (Only 1 is required)
Residence Proof Aadhar Card, Driving License, Ration Card, etc. In the case of Rented House, then the rent agreement or water/electricity bills for the last three months can be considered. (Only 1 is required)

KLM Gold Loan Interest Rate, Fees, and Charges

Overall, credit against Gold as security is accessible at a low interest rate since it comes in classifying got loans. So the Gold Loan interest rates are not exactly that of an individual loan or some other sort of Loan; however, the gold loan rate continues changing every once in a while, just as individual to individual.

KLM Bank Gold Loan Interest Rate May 26 2024
KLM Bank Gold Loan Interest Rate 7.25% per annum
Processing Fee
1.50% of the Principal Loan Amount
Prepayment/Foreclosure Charges
2%+GST (Within 3 Months), 0 (After 3 months)
Valuation Fee
Rs 250 for a loan up to Rs 1.5 lacs and Rs 500 for a loan over and above Rs 1.5 lacs
Late Repayment Charges
2% p.a. + Applicable rate of interest.
Renewal Processing Fees
Rs 350 + GST

KLM Bank Gold Loan Schemes

KLM offers various schemes attached to the Gold Loan product, which are listed below:

  • Loan Against Gold – KLM Bank gives Gold Loan at appealing paces of interest to satisfy anybody’s desperate need of assets for any reason, whether individual or expert. The gold loan is a completely gotten type of Loan, and in this way, the bank has no danger in loaning the add up to the candidate, so it is given at a slower pace of interest when contrasted with different types of Loan items.
  • Loan Against Gold for Agriculture – KLM Bank gives Gold Loans explicitly to horticulture purposes to ranchers at an uncommon pace of interest when contrasted with gold loans given for different employments. They are given exceptional offers, and you need to give the bank Land verifications to which you are taking the Loan.

How To Apply For An KLM Gold Loan Online

You can apply for the KLM Bank Gold Loan at Dialabank. The cycle is simple and fast. To start, You need to fill a basic structure on the web. At the point when the structure gets submitted, you will get a call from our Relationship Directors, who are experts around there. You additionally get a reports’ get office from your home. For more information, you can call on 9878981144.

Dialabank is considered as the best stage to apply for a gold loan online in light of the accompanying reasons:

  • Dialabank is India’s driving business helpline; it gives the best business help to customers everywhere in the country.
  • The bank has an astounding name among the purchasers due to its most trustworthy help.
  • On the off chance that you are applying for a Jewel loan online at Dialabank, you will get a low KLM Gold Loan Rate of Interest.
  • Dialabank gives an archive pickup office from the doorstep of the purchaser.
  • We control the purchasers liberated from cost. That is, there are no valuable charges of engaging for a gold loan online on the site of Dialabank.
  • While you are requesting a gold loan into Dialabank, next to no desk work is required.
  • Our Contact directors are qualified acceptably to manage you in the entire strategy for Gold Loan.

KLM Bank Gold Loan Calculator

KLM Gold Loan Calculator
Rate of Interest 6 months 1 Yr 2 Yrs 3 Yrs
7.00% 17008 8652 4477 3088
8.00% 17058 8699 4523 3134
8.50% 17082 8722 4546 3157
9.00% 17107 8745 4568 3180
9.50% 17131 8678 4591 3203
10.00% 17156 8791 4614 3227
10.50% 17181 8815 4637 3250
11.00% 17205 8838 4661 3274
11.50% 17230 8861 4684 3298
12.00% 17254 8885 4707 3321
12.50% 17279 8908 4731 3345
13.00% 17304 8932 4754 3369
13.50% 17329 8955 4778 3393
14.00% 17354 8979 4801 3418
14.50% 17378 9002 4825 3442
15.00% 17403 9026 4845 3466

How To Pay Your KLM Gold Loan EMI?

Your KLM gold advance can be reimbursed in the following three different ways.

  • Standing Instruction (SI): If you are a current record holder with KLM Bank, Standing Instruction is the most reliable strategy for remuneration. Your EMI sum will be credited naturally towards the month’s end to month time frame from the KLM Bank account you show.
  • Electronic Clearing Service (ECS): This program can be applied in the event that you have a non-KLM Bank record and may require your EMIs to be charged thusly close to the furthest limit of the month to month cycle from this record.
  • Post-Dated Checks (PDC): You can introduce post-dated EMI examinations from a non-KLM Bank explanation at your nearest KLM Bank Loan Center. Another adaptation of PDCs ought to be introduced right away. It will be great in the event that you note Post Dated Checks will be gathered in non-ECS states, figuratively speaking.

KLM Bank Gold Loan Contact Number

Contact 9878981144 and get moment help and endorsement for your KLM Bank Gold Loan. You can know the best proposals on Gold Loan accessible from every one of the KLM Bank Branches all through the nation to profit the best arrangement reasonable to your requirements.

Gold Ornaments Accepted By KLM Bank

  • Gold Jewellery: such as Gold Bangles, Gold rings, Gold anklets, Gold necklaces, etc., all are accepted by KLM Bank for availing of a Gold Loan.
  • Quality: The quality of Gold should be between 18 Carat to 22 Carat. Any gold ornament, which is 24 Carat, cannot be used for availing of a gold loan.

Use Of KLM Gold Loan

The subsidizes gained by profiting the KLM Gold Loan administration can be utilized for a few purposes, for example,

  • To finance specific ventures like marriage, climbing, a portion of higher education cost instalments, and so on.
  • For all your promoting necessities, like buying new stock, creating advertising, and so forth, a loan administration is accessible.
  • You can moreover profit from a Gold Loan for green thoughts. The bank gives lower costs of interest for Gold Loans that are used for cultivating or related activities.

KLM Agricultural Jewel Loan Scheme

Scheme KLM Bank Agricultural Jewel Loan Scheme
Interest Rate  Starting from 7.25% per annum (depends on the sum of the Loan
Least amount of Loan It depends on the value of the jewel which is being kept as security
Loan period Adjustment of advance sum inside 2 months from the date of reap of yields

Benefits Of KLM Bank Agricultural Jewel Loan Scheme

  • KLM Bank charges a processing fee of up to ₹ 500.
  • Minimum of ₹ 300 charge, which is 0.30% of the loan amount, applies to the amount ranging from above ₹  20,000 – less than ₹ 20 lakh.
  • 0.28% of the credit sum, subject to at least Rs.1,500, applies to the amount more than Rs.5 lakh; however, under Rs.1 crore.

KLM Gold Loan Overdraft Scheme

For working on the interaction and giving you problem-free help while preparing an overdraft conspire at KLM bank is given, it gives you an online method to get your overdraft, otherwise called Smartdraft – Overdraft Against Salary. You don’t have to visit bank offices and go through an exhausting interaction. Sign in to the KLM web-based financial entry, and from that point, you can round out a basic frame and get an overdraft under your name.

KLM Gold Loan Highlights

Age 18 – 70 years
Minimum Loan Amount Rs. 1000
Maximum Loan Amount Rs. 1 Crore
KLM Gold Loan Interest Rate 7.25% per annum onwards
Loan Tenure From 3 months to 24 months
Gold Items accepted Jewellery and gold coins sold by banks
KLM Bank Gold Loan Processing Charges 0.85% of the loan amount

How Does KLM Bank Gold Loan Work? Here’s An Example

The appropriateness of the gold loan is resolved on the virtue of Gold, LTV, and its weight. Assume Mr An and his two companions Mr B and Mr C, have distinctive gold qualities ​​for diverse immaculateness. Mr A has 50 grams of Gold for each 22-carat virtue. Mr B has 60 grams of Gold in 20 carats of immaculateness, and Mr C has 70 grams of Gold in immaculateness or 22 carats. They moved toward the KLM Bank to get a gold loan. The value used to figure the appropriateness of their gold loan as per the high 85% LTV will shift with the immaculateness of the Gold and ,thusly, will prompt the legitimacy of the gold loan.

FAQs About KLM Gold Loan

What is KLM Gold Loan?

KLM Bank Gold Loan is a loan conspire that you can benefit from for critical financial assistance by keeping your Gold as insurance security with the bank. It likewise accompanies alluring interest rates on Term Loans, Overdraft, and EMI based loans. The normal Gold Loan disbursal time at KLM is only 45 minutes. 

✅ How can I get the Gold Loan from KLM Bank?

You can get KLM Gold Loan by visiting any of the gold loans offering parts of KLM, or you can apply online with Dialabank from the solace of your home and get the best arrangements and offers. KLM is one of the main banks in India that gives Gold Loan administration. 

✅ How much Gold Loan can I get per gram in KLM?

The per gram Gold Loan in KLM that you can get relies upon the immaculateness of your Gold. KLM acknowledges Gold of virtue between 18 carats to 22 carats to give a Gold Loan. You can benefit from up to ₹ 3,800 to ₹ 4,350 according to KLM Gold Loan Per Gram.

✅ How does KLM Gold Loan work?

KLM Gold Loan’s work is easy to comprehend. It is a famous loaning plan through which you can get a loan by vowing your gold trimmings. The loan sum and interest rates are reliant upon the immaculateness of your Gold and differ likewise. KLM Gold Loan is an extremely famous choice for any individual who needs critical cash; the average dispensing time is 45 minutes.

✅ What is KLM Gold Loan Interest Rate?

The KLM Bank Gold Loan Interest Rate is 7.25% per annum. The KLM Gold Loan pace of interest relies on various elements, in particular: loan sum, loan residency, immaculateness of Gold, and relationship with KLM bank. 

✅ How to check Gold Loan status in KLM?

To check your KLM Gold Loan status, you should visit the KLM Bank Loan Status Tracker page and fill in your subtleties in the structure given. You can, without much of a stretch, track the situation with your Loan from any place and stay refreshed.

✅ How to calculate Gold Loan Interest in KLM?

You can ascertain the Gold Loan Interest Rate in KLM Bank utilizing Dialabank’s EMI Calculator, which gives you exact sums dependent on the data you go into the adding machine.

✅ What is the maximum loan amount I can avail myself of on a Gold Loan from KLM Bank?

The most extreme gold loan sum you can get from KLM Bank is up to Rs 1 crore (with pay evidence).

✅ What is the loan tenure of the KLM Bank Gold Loan?

The loan tenure of KLM Bank ranges from 3 months to 24 months.

✅ How much is the Processing Fee applicable on KLM Gold Loan?

The handling expense for the KLM Gold Loan is about 1.50% of the principal loan sum and can be less founded on the loan sum and the relationship with the bank.

✅ What are the charges for renewal in KLM Gold Loan?

The charge for reestablishment in the KLM Gold loan is Rs 350 + GST.

✅ What are the charges for Prepayment in KLM Gold Loan?

The charges for pre-instalment in KLM Bank is NIL on the off chance that you do it following 3 months of taking the Loans. Notwithstanding, on the off chance that you wish to do it before the time of 3 months, KLM Bank charges 2% prepayment charges of the chief loan sum.