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Top 10 Banks / NBFCs offering Gold Loan in India | Loans on gold | Gold Loan Interest Rate - Loan Amount - Tenure - Processing Fee

 Top 10 Banks / NBFCs offering Gold Loan in India | Loans on gold | Gold Loan Interest Rate - Loan Amount - Tenure - Processing Fee 

Gold Loan Per gram |ગોલ્ડ લોન માહિતી

Gold Loan is a secured loan where gold items like gold jewelery, jewelery etc. are taken as collateral by the lending bank / NBFC. You can get a loan against gold easily and with minimal documentation. Apart from banks like SBI, ICICI, HDFC Bank etc., non-banking finance companies (NBFCs) also give gold loans to individuals. Gold loans offered by NBFCs include Muthoot Finance, Mannapuram Finance etc.

Top 10 Gold Loan Companies in Bharat

The amount of loan you can get against the gold article will vary depending on the purity of the gold in your jewelery, the LTV ratio and other internal policies of the lender. In addition, lenders may have pre-determined minimum and maximum limits. For example, ICICI Bank has raised Rs. 10,000 to Rs. Gold loan between Rs 1 crore, while SBI offers Rs. 20,000 and Rs. Gold loan offers between Rs 20 lakh, while Muthoot Finance offers a minimum of Rs. Offers gold loans starting with a minimum amount of Rs 1,500 with no maximum limit.

As both banks and NBFCs offer Gold Loan, comparing the rates offered by them, eligibility rules and loan amount will help you in choosing the right loan.

Gold Loan is now provided by Top 10 Banks and NBFCs of India in this article. Attempts have been made to provide his information. All this information has been tried to be given through this article. Which may be useful to you.

All Company List of Top 10 Banks / NBFCs offering Gold Loan in India 2022

Gold Loan Providers - Interest Rate - Loan Amount - Tenure - Processing Fee

1. Muthoot Finance = 12% p.a. onwards = Rs.1,500 - No Limit = 7 Days to 36 Months = 0.25% & 1% of the loan amount

2. IIFL = 9.24% p.a. onwards = Rs.3,000 onwards = 3 Days to 11 Months = NA

3. HDFC Bank = 9.90% p.a. onwards = Rs.25,000 onwards (Rs.10,000 for rural areas) = ​​3 Days to 24 Months 1.5% + GST

4. ICICI Bank = 11% p.a. onwards = Rs.10,000 to Rs.1 crore = 3 Days to 12 Months = 1% of the loan amount

5. Canara Bank = 7.65% p.a. onwards = Rs.5,000 to Rs.20 lakh = 6 Days to 24Months = 0.25% of the loan amount

6. Axis Bank = 12.50% p.a. onwards = Rs.25,001 to Rs.25 lakh = 3 Days to 36 Months = 1% plus GST

7. ManappuramFinance = 9.90% p.a. onwards = Rs.1,000 to Rs.1.5crore = 3 Months onwards = Rs.10 (at the time of loan settlement)

8. Federal Bank = 8.50% p.a. onwards = Rs.1,000 to Rs.1.5 crore = Minimum 6 months = Varies for different schemes

9. Bank of Baroda = 8.75% p.a. onwards = Up to Rs.25 lakh = Up to 12 months = 0% to 0.50% + GST

10. SBI = 7.50% p.a. onwards = Rs.20,000 to Rs.50 lakh = Up to 36 months = 0.25% + GST

1. Muthoot Finance Gold Loan

Loan Highlights:

1. Interest Rate - 12% p.a. onwards

2. Lowest EMI / Lakh - Rs.3,321 / -

3. Loan Amount - Minimum- Rs.1,500; Maximum- No limit

4. Collateral / Security - Any gold item of up to 50 gram with purity of 18K to 22K

5. Processing Fee- 0.25% to 1% of the loan amount

2. IIFL Finance Gold Loan

Loan Highlights:

1. Interest Rate –9.24% p.a. onwards

2. Loan Amount - Rs.3,000 onwards

3. Tenure - 3 months to 11 months

4. Loan Disbursal Time - 30 minutes

5. Schemes –Customized schemes to meet your requirements

3. HDFC Bank Gold Loan

Loan Highlights:

1. Interest Rate - 9.90% p.a. onwards

2. Loan Tenure - 3 months to 24 months

3. Loan Amount - Loans starting at Rs.25,000 (Rs.10,000 in rural markets)

4. Gold Loan scheme - Term Loan, OD and Bullet repayment

5. Processing Fee- 1.5% + GST

6. Custody - Stored under a unique triple-layered security.

4. ICICI Bank Gold Loan

Loan Highlights:

1. Interest Rate - 11% p.a. onwards

2. Loan Amount - Rs.10,000 to Rs.1 crore

3. Tenure - 3 months to 12 months

4. Processing Fee - 1% of the loan amount

5. Documentation Charges - Rs.199

6. Disbursal time - 60 minutes

5. Canara Bank Gold Loan

Loan Highlights:

1. Interest Rate - 7.65% p.a. onwards

2. Loan Amount - Rs.5,000 to Rs.20 Lakh

3. Tenure - 6 months to 2 years

4. Gold items accepted - Jewelery and gold coins sold by banks

5. Processing Charges - 0.25% of the loan amount

6. Eligibility - Savings account with satisfactory dealings or Credit-worthy New Customers

6. Axis Bank Gold Loan

Loan Highlights:

1. Interest Rate - 12.50% p.a. onwards

2. Loan Amount – Rs.25,000 to Rs.25 lakh

3. Tenure – 3 months to 3 years

4. Age – 18 to 75 years

5. Gold items accepted – Jewellery and gold coins sold by banks

6. Processing Charges – 1% of the loan amount

7. Manappuram Finance Gold Loan

Loan Highlights:

1. Interest Rate –Up to 29% p.a.

2. Loan Amount – Rs.1,000 to Rs.1.5 crore

3. Tenure – Minimum 3 months

4. Processing Fee- Rs.10 at the time of loan settlement

5. Schemes – ‘High Loan to Value’ and ‘Low Interest Rate’

8. Federal Bank Gold Loan

Loan Highlights:

1. Interest Rate –8.50% p.a. onwards

2. Loan Amount – Rs.1,000 to Rs.1.5 crore

3. Tenure – Minimum 6 months

4. Repayment Options – Lump sum, EMI

5. Gold items accepted – Gold ornaments verified for quality and quantity

6. Rate per gram – Maximum amount per gram is up to 85% of the gold price

9. Bank of Baroda Gold Loan

 Loan Highlights:

1. Loan Amount –Maximum- 25 lakh

2. Tenure – Up to 12 months

3. Age – 18 to 70 years

4. Gold items accepted – Ornaments, Jewellery & specially minted gold coins sold by banks (min. 18 K gold)

6. Processing Charges – 0% – 0.5% of the sanctioned limit(max.Rs.3,500)

10. SBI Gold Loan

Loan Highlights:

1. Interest Rate –7.5% p.a. onwards

2. Loan Amount – Rs.20,000 to Rs.50 Lakh

3. Tenure  – Up to 36 months

4. Age – 18 years and above

5. Gold items accepted – Gold ornaments verified for quality and quantity

6. Processing Charges – Nil if applied through YONO, else 0.25% + GST & Min. Rs.250 + GST.

Note: -All of the above interest rates and charges are based on the lender. GST and service tax may be added on the above charges.

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