Paschim Banga Garmin Bank Gold Loan Key Features – Apply Now
| Paschim Bangla Gramin Bank Gold Loan Interest Rate | 7.25% per annum |
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Paschim Bangla Gramin Bank Gold Loan Rate Per Gram
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Rate Per Gram is ₹ 3,800 to ₹ 4,350 |
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Paschim Bangla Gramin Bank Processing Fee
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0.75% of the Principal Loan Amount
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| Paschim Bangla Gramin Bank Maximum Loan Amount |
Up to Rs. 10 Lakh
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| Paschim Bangla Gramin Bank Minimum Loan Amount |
70% LTV
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Paschim Bangla Gramin Bank Gold Prepayment Charges
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2%+GST (Within 3 Months), 0 (After 3 months)
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Paschim Bangla Gramin Bank Gold Repayment Tenure
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Up to 60 Months
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Paschim Bangla Gramin Bank Gold Repayment Scheme
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Bullet Payment Scheme, Overdraft Scheme
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Paschim Banga Gramin Bank Gold Loan
Paschim Banga Gramin Bank (PBGB) is a Premier Regional Rural Bank set up on 26 February 2007 as per RRB Act, 1976 (21 of 1976). Paschim Banga Gramin Bank is set up by the amalgamation of Howrah Gramin Bank, Bardhaman Gramin Bank, and Mayurakshi Gramin Bank. This bank is sponsored by UCO Bank as well as owned by the government of India, the Government of West Bengal as well as UCO Bank. Also, a lot of financial services are provided by this bank namely, Gold Loan, Personal Loan, and Home Loan.
Paschim Banga Garmin Bank Gold Loan Interest Rates
| Gold Loan Rate | 7.25% per annum |
| Repayment Scheme |
Bullet Repayment Scheme, Overdraft Scheme
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| Prepayment Charges | 0 – 2 %. |
| Service Charges | variable |
| Document Charges | variable |
| Gold Valuation Charges | variable |
| Processing Fee | 0.85%. |
Paschim Banga Garmin Bank Gold Loan Advantages
- Paschim Banga Gramin Bank follows a very simple and hassles free process
- Faster loan disbursal.
- Paschim Banga Gramin Bank Jewel Loan requires Minimum documentation.
- Improves customer service in a much shorter response turnaround time.
- 100% safety as well as protection of gold ornaments.
- Paschim Bangla Gramin Bank charges 0.50% loan amount as Foreclosure Charges.
Paschim Banga Garmin Bank Gold Loan Eligibility
| Age | 18-70 years of age |
| Nationality | Indian |
| Employment Status |
Salaried, Self-Employed
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Gold Quality, Quantity
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Minimum 18 Carats, minimum 10 grams
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| Requirements |
Gold ornaments (18-22 carats)
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| CIBIL score | Above 500 |
Paschim Banga Gramin Bank Gold Loan At Home
Gold Loan at House is a doorstep loan service that allows you to borrow money from the convenience of your own home. The service is rapid, flexible, and cost-effective because interest rates are low. You can use the gold loan calculator to assess the value of your gold or the loan amount before completing a loan request. Obtaining a Gold Loan at home is an easy and quick process that can be done in a matter of minutes.
Within 30 minutes, one of our employees will contact you and arrive at your home. When all e-documentation and gold identification are completed at your residence, the appropriate gold loan amount will be sent directly to your bank account.
Furthermore, there are many benefits of Paschim Banga Gramin Bank Gold Loan at Home:
- Fast loan approval
- Lower interest rates
- Maximum value of gold
- Flexible repay tenures
- Easy payment options
- No additional charges
- 24*7 customer support
- Full security of the gold
- No hidden fees
- Service at your doorstep within 30 minutes
Paschim Banga Garmin Bank Gold Loan Documents
| Photographs |
2 Passport-Sized latest coloured photos
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| Identity Proof |
Aadhar Card, Passport, PAN Card, etc. (Only 1 is required)
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| 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)
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Agricultural Land Proof
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Required only if the Loan is taken for Agricultural Purpose. In the case of Agriculture Loan on the gold of more than Rs. 1 lakh there is no requirement of proof for allied agriculture purposes.
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| Demand Promissory Note |
Certificate by the Jewel Appraiser (Bank will arrange)
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Paschim Banga Garmin Bank Gold Loan Process
- The process for a Paschim Banga Gramin Bank is quite simple.
- Visit the nearest bank branch along with the gold jewellery or gold coins you want to give as collateral.
- Collect all the required documents and take them to the bank.
- Your gold will be valued by the bank
- The bank will offer you a loan amount. Accept it.
- Your loan will be disbursed into your account on the same day. The processing fee and other charges will be deducted from it.
How Much Can I Get Through Paschim Banga Garmin Bank Gold Loan?
| Paschim Banga Gramin Gold Loan Rates/ Gram – updated January 2021 | ||||
| Weight | Loan on 18Cr Gold | Loan on 20Cr Gold | Loan on 22Cr Gold | Loan on 24Cr Gold |
| 1 gm | 2460 | 2742 | 3025 | 3307 |
| 10 gms | 24600 | 27420 | 30250 | 33070 |
| 20 gms | 49200 | 54840 | 60500 | 66140 |
| 30 gms | 73800 | 82260 | 90750 | 99210 |
| 50 gms | 123000 | 137100 | 151250 | 165350 |
| 100 gms | 246000 | 274200 | 302500 | 330700 |
| 200 gms | 492000 | 548400 | 605000 | 661400 |
| 300 gms | 738000 | 822600 | 907500 | 992100 |
| 500 gms | 1230000 | 1371000 | 1512500 | 1653500 |
Why Dialabank for online Paschim Banga Gramin Bank Gold Loan?
- Dialabank makes the application procedure a lot simple for you.
- If you apply through Dialabank, you can get access to many attractive features.
- Dialabank does not charge anything for its service.
- Dialabank allows you to apply for a loan without getting out of your house.
- Dialabank provides you with personalized service.
Paschim Banga Garmin Bank Gold Loan Apply Online
- Visit Dialabank.
- Go to the ‘gold loan’ link on the menu on the homepage.
- Fill the form.
- We will call you.
- for queries, call 9878981144.
Paschim Banga Garmin Bank Gold Loan EMI Calculator
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Rate of Interest
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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 |
Uses of Paschim Banga Garmin Bank Gold Loan
- Wedding purposes
- education purposes
- agriculture purposes
- A person can also use this amount of gold loan for business purposes.
- This amount of loan can also be used to buy a car.
- Home renovation can also be done by using this amount of gold loan.
Paschim Banga Gramin Bank Agricultural Jewel Loan Scheme
| Scheme | Agricultural Jewel Loan Scheme |
| Interest Rate | Starting from 7.25% per annum (depends on the sum of the loan |
| Least amount of Loan | 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 Paschim Banga Gramin Bank Agricultural Jewel Loan Scheme
- There is no processing fee applicable up to ₹ 25,000
- 0.30% of the loan amount, Minimum of ₹ 300 charge is applicable to the amount ranging from above ₹ 25,000 – less than ₹ 5 lakh
- 0.28% of the credit sum, subject to at least Rs.1,500 is applicable to the amount more than Rs.5 lakh however under Rs.1 crore
Paschim Banga Gramin Bank Gold Loan Overdraft Scheme
Paschim Banga Gramin Bank Offers an Overdraft Scheme. With this, you are provided a loan amount as an overdraft facility. It works like a Credit Card, where you can spend your Gold Loan Amount as you want anytime anywhere. The overall loan amount will have a Credit/Loan Limit. In the Paschim Banga Gramin Bank Gold Loan Overdraft facility, the bank charges interest only on the amount you withdraw/utilize.
FAQs for Paschim Banga Gramin Bank Gold Loan
✅ What is Paschim Banga Gramin Bank Gold Loan?
✅ How much Gold Loan can I get per gram in Paschim Banga Gramin Bank?
✅ What is the Gold Loan interest rate in Paschim Banga Gramin Bank?
✅ How to pay Paschim Banga Gramin Bank Gold Loan online?
✅ How to apply for Gold Loan in Paschim Banga Gramin Bank?
✅ How to renew Paschim Banga Gramin Bank Gold Loan online?
✅ How to take Gold Loan from Paschim Banga Gramin Bank?
To take a gold loan from Paschim Banga Gramin Bank, visit the nearest branch with your gold and documents. Accept the offer made by the bank. Sign an agreement and your loan will be sanctioned in 5 minutes.
✅ How to check Paschim Banga Gramin Bank Gold Loan status?
✅ What happens if someone defaults Paschim Banga Gramin Bank Gold Loan?
✅ How can I apply for the EMI moratorium on the Paschim Banga Gramin Gold loan?
To apply for a Paschim Banga Gramin Bank gold loan EMI moratorium, visit the nearest bank branch or the bank’s website. A moratorium is a predefined period wherein you are not liable to repay your loan.
✅ What is Paschim Banga Gramin Bank Gold Loan Overdraft Scheme
Paschim Banga Gramin Bank Overdraft Scheme comes with a Credit Card, letting the borrower spend the Gold Loan Amount as they wish to. The overall loan amount will have a Credit/Loan Limit. In the Paschim Banga Gramin Bank Gold Loan Overdraft facility, the bank charges interest only on the amount you withdraw/utilize.
✅ What is the foreclosure procedure for Paschim Banga Gramin Bank Gold Loan?
Paschim Banga Gramin Bank asks a borrower to pay 0.50% for Gold Loan Foreclosure.
✅ What is the Paschim Banga Gramin Bank Gold Loan closure procedure?
The Gold loan will close after the payment is done in full.
✅ What are Paschim Banga Gramin Bank Gold Loan Preclosure charges?
The Bank preclosure charges are 2%+GST (Within 3 Months), 0 (After 3 months)
✅ What is the maximum gold loan tenure?
The maximum Paschim Banga Gramin Bank gold loan tenure is 36 months.
✅ What is the minimum gold loan tenure?
The minimum gold loan tenure is 6 months for Paschim Banga Gramin Bank.
✅What is the customer care number for Paschim Banga Gramin Bank Gold Loan?
All the queries regarding Paschim Banga Gramin Bank are answered at 9878981144.
