Puduvai Bharathiar Grama Bank Key Features – Apply Now
| Puduvai Bharathiar Grama Bank Gold Loan Interest Rate | 7.25% per annum |
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Puduvai Bharathiar Grama Bank Gold Loan Rate Per Gram
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Rate Per Gram is ₹ 3,800 to ₹ 4,350 |
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Puduvai Bharathiar Grama Bank Processing Fee
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0.75% of the Principal Loan Amount
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| Puduvai Bharathiar Grama Bank Maximum Loan Amount |
Up to Rs. 1 Crore (With Income Proof)
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| Puduvai Bharathiar Grama Bank Minimum Loan Amount |
75% LTV
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Puduvai Bharathiar Grama Bank Gold Prepayment Charges
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2%+GST (Within 3 Months), 0 (After 3 months)
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Puduvai Bharathiar Grama Bank Gold Repayment Tenure
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Up to 36 Months
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Puduvai Bharathiar Grama Bank Gold Repayment Scheme
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Bullet Payment Scheme, Overdraft Scheme
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Advantages of Puduvai Bharathiar Grama Bank Gold Loan
- Documentation requirements for Gold Loan are very less in comparison to other services.
- Availability of this service is excellent.
- Credit Score does not matter in Gold Loan.
- Negligible cost of processing a loan
- A flexible period of Jewel Loan is offered
- The safety of ornaments is the responsibility of the bank
- The system of this service is very transparent.
- The bank offers a borrower up to 0.50% as a Gold Loan Foreclosure.
How Much Loan Can I Get Through Puduvai Bharathiar Grama Bank – updated January 2021 ?
| Puduvai Bharathiar Grama Bank 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 | 2450 | 2732 | 3015 | 3297 |
| 10 gms | 24500 | 27320 | 30150 | 32970 |
| 20 gms | 49000 | 54640 | 60300 | 65940 |
| 30 gms | 73500 | 81960 | 90450 | 98910 |
| 50 gms | 122500 | 136600 | 150750 | 164850 |
| 100 gms | 245000 | 273200 | 301500 | 329700 |
| 200 gms | 490000 | 546400 | 603000 | 659400 |
| 300 gms | 735000 | 819600 | 904500 | 989100 |
| 500 gms | 1225000 | 1366000 | 1507500 | 1648500 |
About Puduvai Bharathiar Grama Bank Gold Loan
Puduvai Bharathiar Grama Bank is a rural bank in the state of Puducherry. The bank was founded in 2008. The bank provides services to four districts of this state that are Puducherry, Mahe, Karaikal, and Yanam. Also, a lot of financial services are provided by this bank, namely, Gold Loan, Personal Loan, and Home Loan.
Puduvai Bharathiar Grama Bank Gold Loan Eligibility
| Age | 18-75 years |
| Requirements | Gold ornaments (18-22 carats) |
| CIBIL score | Above 500 |
| Nationality | Indian |
Puduvai Bharathiar Grama Gold Loan at Home
Gold Loan at Home is a cash-on-the-spot or doorstep loan service that allows you to borrow money from the convenience of your own home. The service is fast, flexible, and cost-effective and interest rates are also low. You can use the gold loan calculator to determine 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 call 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.
The benefits of getting a gold loan at your doorsteps are:
- Access To Your Loan Account 24 X 7
- Diverse Range of Gold Loan Schemes
- You can get free insurance for your Gold
- There are no hidden fees.
- You will get the maximum value of your Gold
- You can avail your Gold Loan in just 1 visit
Puduvai Bharathiar Grama Bank Gold Loan Documentation
| Identity-Proof | Aadhar Card/PAN Card/ Passport/ Voter ID (Any one) |
| Residence-Proof | Aadhar Card /PAN Card/ Ration Card/ Utility Bills in the name of the borrower/ Rental Agreement of applicant/ Voter ID card (Any one) |
| Agriculture-Proof ( if applicable) | Agriculture Land Ownership Proof |
| Photo | 2 Passport sized coloured |
Puduvai Bharathiar Grama Bank Gold Loan Interest Rates, Fees and Charges
| Gold Loan Rate | 7.25% per annum |
| Processing Fee | 0.85% of the loan amount + GST |
| Loan to Gold value | Up to 75% |
| Pre-payment Charges | 0- 2% |
Types of Puduvai Bharathiar Grama Bank Gold Loan
- The agricultural loan is provided to farmers for agrarian purposes at a particular interest rate.
- Non- agricultural purpose loans on gold are provided to individuals for all kinds of purposes except agrarian purposes. The interest rate on the gold loans is slightly higher.
Puduvai Bharathiar Grama Bank Gold Loan Apply Online
- Visit Dialabank
- Fill the form to avail of Gold Loan
- Kindly wait for Dialabank’s relationship manager to contact you with the best offers.
Puduvai Bharathiar Grama Bank Gold Loan EMI 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 Puduvai Bharathiar Grama Bank Gold Loan EMI?
Your gold loan can be paid back in the below-mentioned ways:
- Standing Instruction (SI): For current account holders with the Puduvai Bharathiar Grama Bank, SI is the best way of repayment.
- Electronic Clearing Service (ECS): This can be used if you have a non-Ujivan Small Finance Bank account and want your EMIs to be charged consequently.
Puduvai Bharathiar Grama Bank Gold Loan Contact Number
For assistance in case of a gold loan from Puduvai Bharathiar Grama Bank required you may contact on the number 9878981144.
Gold Ornaments Accepted by Puduvai Bharathiar Grama Bank
Gold jewellery in any form like Gold Bangles, rings, anklets, and Gold necklaces, are accepted for availing a Gold Loan provided they are between 18-24 carats.
Uses of Puduvai Bharathiar Grama Bank Gold Loan
The loan amount acquired by availing the Puduvai Bharathiar Grama Bank Gold Loan service can be used for several purposes such as:
- To finance personal expenses like a wedding, travel, medical bills, etc.
- For all your financial business requirements, such as buying raw material, inventory, etc.
Puduvai Bharathiar Grama 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 Puduvai Bharathiar Grama Agricultural Jewel Loan Scheme
- There is no charges if the expense is truly up to ₹ 25,000
- 0.30% of the credit complete, Minimum of ₹ 300 charge is material to verifiably the going from above ₹ 25,000 – not for the most part ₹ 5 lakh
- 0.28% of the credit by and large, subject to at any rate Rs.1,500 is real to unquestionably the more than Rs.5 lakh regardless under Rs.1 crore
Puduvai Bharathiar Grama Bank Gold Loan Overdraft Scheme
Puduvai Bharathiar Grama Bank offers an Overdraft Scheme. With this, you are given an improvement transcendent as an overdraft office. It works like a Credit Card, where you can spend your Gold Loan Amount as you need at point any spot. The general advancement immovable will have a Credit/Loan Limit. In the Puduvai Bharathiar Grama Bank Gold Loan Overdraft office, the bank charges pay commonly on the incomparable you pull out/use.
FAQs about Puduvai Bharathiar Grama Bank Gold Loan
✅ What is Puduvai Bharathiar Grama Bank Gold Loan?
Puduvai Bharathiar Grama Bank is a secured facility of loan which will give you a gold loan up to ₹20 Lakh. Bank accepts gold in all forms with purity 18 carats to 22 carats at highly competitive rates of interest and loan tenure of max 24 months. This loan can be used for overcoming any monetary issues faced by the borrower.
✅ How can I get Gold Loan from Puduvai Bharathiar Grama Bank?
You can avail of Gold Loan from the Puduvai Bharathiar Grama Bank is a no-hassle and linear process:
- Fill in your vital data in the form available on Dialabank.
- Our aptly trained Relationship Manager will get back to you within 30 min.
- We will advise you about the loan that meets your requirements in your city.
- Visit your nearest branch of the bank.
- Get the loan approved in only 30 min.
✅ How much Gold Loan can I get per gram in Puduvai Bharathiar Grama Bank?
The per gram gold loan rate by Puduvai Bharathiar Grama Bank varies every day, and you will have to contact the customer care service for the same. The bank gives a Loan to a Value of 75%.
✅ How does Puduvai Bharathiar Grama Bank Gold Loan work?
The Puduvai Bharathiar Grama Bank Gold Loan is a secure credit availing facility available for those who have dire cash requirements and have gold ornaments to pledge as collateral. Once the security gold pledged with the bank is valued according to the current market price, the bank disburses the amount of loan in your indicated bank account immediately. Different repayment options are there for repaying the loan amount.
✅ What is the Gold Loan interest rate in Puduvai Bharathiar Grama Bank?
The gold loan interest rate depends on the total amount of the loan and the purpose of the loan. Puduvai Bharathiar Grama Bank rate of interest begins from 7.25% per annum.
✅ How to check Puduvai Bharathiar Grama Bank Gold Loan status?
You can check the status by emailing the bank’s executive and asking them about your application or by visiting the bank branch and loan officer. In most cases, the disbursal of the amount is done on the same day of the approval of the application.
✅ How to calculate Gold Loan Interest in Puduvai Bharathiar Grama Bank?
You can quickly calculate the gold loan interest rate in Puduvai Bharathiar Grama Bank by reducing the principal amount from the total amount to be paid.
✅ What is the maximum loan amount I can avail myself on Gold Loan from Puduvai Bharathiar Grama Bank?
You can get a maximum of Rs 20 Lakh on a Puduvai Bharathiar Grama Bank Gold Loan as the bank gives around 75% of the gold ornaments’ market value.
✅ What is the loan tenure of Puduvai Bharathiar Grama Bank Gold Loan?
The maximum tenure of your Puduvai Bharathiar Grama Bank Gold Loan is up to 36 months. However, you’ll have to renew your loan plan after a year.
✅ How can I apply for EMI Moratorium on Puduvai Bharathiar Grama Bank Gold Loan?
You can apply for the Puduvai Bharathiar Grama Bank Gold loan moratorium online by signing in with your login credentials or by personally visiting the main branch. The moratorium request has to be submitted at least five working days before the due date of your EMI.
✅What is the Puduvai Bharathiar Grama Bank Gold loan Overdraft Scheme?
Puduvai Bharathiar Grama Bank offers an Overdraft Scheme. With this, you are given an improvement transcendent as an overdraft office. It works like a Credit Card, where you can spend your Gold Loan Amount as you need at the point any spot.
✅What is the customer care number for the Puduvai Bharathiar Grama Bank Gold loan?
Call at 9878981144 for any query.
✅What are the foreclosure charges for the Puduvai Bharathiar Grama Bank Gold loan?
Puduvai Bharathiar Grama Bank takes from a borrower up to 0.50% on Gold Loan Foreclosure.
✅What is the Puduvai Bharathiar Grama Bank Gold loan maximum loan tenure?
The maximum loan tenure is up to 36 months.
✅ What is the minimum gold loan tenure?
The minimum gold loan tenure is 3 months.
✅What is the Puduvai Bharathiar Grama Bank Gold Loan closure procedure?
The Gold loan will only close after the payment is done in full.
✅ What are Puduvai Bharathiar Grama Bank Gold Loan Preclosure charges?
The Bank preclosure charges are 2%+GST (Within 3 Months), 0 (After 3 months)
