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About Gold Loan?

As the name suggests this is the loan given against gold. Many nationalized banks, private banks and other financial companies offer this loan at attractive rates. Many go for this loan for short period to meet the requirement of their children's education, marriage and other financial problems in the family. And others think that instead of keeping the gold idle at home or locker, loan against gold is the best option.

  • Documents Required
  • Benefits of Gold Loan
  • Intrest Rates
  • EMI Cal

»  2 Passport Size Photographs.
»  ID, address and signature proof.
»  Pan card/Form 60.
»  Age Proof.
»  Post Disbursement Documents.
»  Proof of Income.

» Low interest rate of gold loan.
Most of the banks offer gold loan at an interest rate of 12-16% which is significantly lower than the other types of loans. This is the major advantage and chief reason to opt for this loan.

» No income certificate needed for the gold loan.
If you are not a salaried employer but stills need money for your any sort of requirement then this loan is the best solution for you. As for applying to this loan you don't need any sort of income certificate. Only thing which is needed is your gold which will be kept by the bank in a safety locker till you pay your amount of the loan..

»  Speedy and comfortable sanctioning of the gold loan.
Sanctioning of the gold loan does not require months or days instead it is sanctioned in few hours. You will be given an amount of up to 80% of your gold amount either through check or will be deposited in your account as soon as you will hand over your gold to the bank.

Gold Loan Rate of Interest
Banks Interest Rate Banks Interest Rate
ICICI Bank 11.50% - 17% HDFC Bank 12.00% - 14.25%
State Bank Of India 9.95% LIC Housing 10.25%
AXIS Bank 10.25% IDBI 10.25%
Standard Chartered 9.99%-10.15% Citibank 10.50%-10.75%
India Bulls 10.15%-10.75% Allahabad Bank 10.20%-10.45%
Union Bank of India 10.25% UCO Bank 10.20%
Punjab National Bank 10.25% OBC 10.25%

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