Gold Loan

Public Banks Gold Loan (updated on 21 Sep 2018)

BankInterest RateTenureExplore
Allahabad Bank11.20% to 12.85%Maximum 60 months Explore
Andhra Bank10.50%Maximum 12 months Explore
Bank Of Baroda12.35%Maximum 36 months Explore
Bank Of India11.70% to 12.70%Maximum 18 months Explore
Bank Of Maharashtra11.50% to 11.75%Maximum 12 months Explore
Bharatiya Mahila Bank Limited10.55%Maximum 36 months Explore
Canara Bank11.75%Maximum 12 months Explore
Central Bank Of India10.40%Maximum 12 months Explore
Dena Bank11.95% to 12%Maximum 12 months Explore
Indian Bank11.70% to 12.20%Maximum 12 months Explore
Indian Overseas Bank12% to 12.50%Maximum 12 months Explore
Oriental Bank Of Commerce11.20% to 11.70%Maximum 12 months Explore
Punjab And Sind Bank11.75% to 12.75%Maximum 12 months Explore
Punjab National Bank10.95%Maximum 12 months Explore
State Bank Of Bikaner And Jaipur10.55%Maximum 36 months Explore
State Bank Of Hyderabad10.55%Maximum 36 months Explore
State Bank Of India10.55%Maximum 36 months Explore
State Bank Of Mysore10.55%Maximum 36 months Explore
State Bank Of Patiala10.55%Maximum 36 months Explore
State Bank Of Travancore10.55%Maximum 36 months Explore
Syndicate Bank10.25%Maximum 12 months Explore
Uco Bank10.60% to 11.75%Maximum 60 months Explore
Union Bank Of India9.75% to 10.75%Maximum 12 months Explore
United Bank Of India11.50% Maximum 12 months Explore
Vijaya Bank11.25%Maximum 30 months Explore

Private Banks Gold Loan (updated on 21 Sep 2018)

BankInterest RateTenureExplore
City Union Bank Limited13.50% to 14.50%Maximum 12 months Explore
Dcb Bank Limited10.80% to 18%Maximum 30 months Explore
Dhanalakshmi Bank11.40% to 11.50%Maximum 12 months Explore
Federal Bank12.50% to 13.50%Maximum 12 months Explore
Indusind Bank11.15% to 15.75%Maximum 12 months Explore
Kotak Mahindra Bank Limited10.5% to17%Maximum 30 months Explore
Laxmi Vilas Bank10.05%Maximum 12 months Explore
South Indian Bank10.75%Maximum 36 months Explore
Tamilnad Mercantile Bank Limited12.80% to 14.55%Maximum 24 months Explore
The Nainital Bank Limited12.75%Maximum 36 months Explore
Yes BankPlease contact bank branchMaximum 36 months Explore

Gramin Banks Gold Loan (updated on 21 Sep 2018)

BankInterest RateTenureExplore
Andhra Pragathi Grameena Bank10.50%Maximum 12 months Explore
Central Madhya Pradesh Gramin Bank11.50%Maximum 12 months Explore
Kaveri Grameena Bank15%Maximum 12 months Explore
Kerala Gramin Bank11.99% to 12.99%Maximum 12 months Explore
Madhyanchal Gramin Bank14%Maximum 12 months Explore
Odisha Gramya BankPlease contact bank branchMaximum 12 months Explore
Paschim Banga Gramin Bank14.20%Maximum 12 months Explore
Puduvai Bharathiar Grama Bank14.25% to 14.50%Maximum 12 months Explore
Sarva Haryana Gramin Bank13%Maximum 12 months Explore
Telangana Grameena Bank13.75%Maximum 12 months Explore
Utkal Grameen Bank13.50%Maximum 12 months Explore
Uttar Banga Kshetriya Gramin Bank14.75%Maximum 12 months Explore
Vidharbha Konkan Gramin Bank14.00%Maximum 12 months Explore

Co-Operative Banks Gold Loan (updated on 21 Sep 2018)

BankInterest RateTenureExplore
Abhyudaya Cooperative Bank Limited11.00%Maximum 12 Months Explore
Ahmedabad Mercantile Cooperative Bank13.50%Maximum 12 Months Explore
Akola Urban Coop Bank 12.50%Maximum 12 Months Explore
Amanath Cooperative Bank Ltd. Bangalore12% to 12.50%Maximum 36 Months Explore
Apna Sahakari Bank Limited10.75% to 11.00%Maximum 12 Months Explore
Bharati Sahakari Bank10.25% to 10.50%Maximum 36 Months Explore
Bombay Mercantile Co Op Bank Ltd10.50% to 13%Maximum 12 Months Explore
Citizen Credit Cooperative Bank Limited11.50%Maximum 60 Months Explore
Dombivli Nagari Sahakari Bank Limited7.95% to 8.95%Maximum 12 Months Explore
G P Parsik Bank12.50%Maximum 12 Months Explore
Jalgaon Janata Sahakari Bank Limited12.50%Maximum 12 Months Explore
Janakalyan Sahakari Bank LimitedPlease contact bank branchMaximum 12 Months Explore
Janalaxmi Coop Bank 12.00%Maximum 12 Months Explore
Janata Sahakari Bank Ltd12.00%Maximum 12 Months Explore
Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited12.00%Maximum 12 Months Explore
Kalyan Janata Sahakari Bank11.90%Maximum 24 Months Explore
Mahanagar Cooperative Bank11%Maximum 12 Months Explore
Nagar Urban Co Operative Bank12.50%Maximum 12 Months Explore
Pravara Sahakari Bank Ltd12.00%Maximum 12 Months Explore
Punjab And Maharshtra Cooperative BankPlease contact bank branchMaximum 60 Months Explore
Rajarambapu Sahakari Bank Ltd12.50%Maximum 60 Months Explore
Rajkot Nagrik Sahakari Bank Limited12%Maximum 36 Months Explore
Rupee Cooperative Bank Ltd.13.00%Maximum 60 Months Explore
Sangli Urban Co Op Bank Ltd Sangli12.50%Maximum 12 Months Explore
Saraswat Cooperative Bank Limited11.00%Maximum 36 Months Explore
Sardar Bhiladwala Pardi Pepls Co Bk11.00% to 11.50%Maximum 12 Months Explore
The A.p. Mahesh Cooperative Urban Bank Limited14.50%Maximum 12 Months Explore
The Akola Janata Commercial Cooperative Bank Ltd., Akola.13.50%Maximum 60 Months Explore
The Cosmos Co Operative Bank Limited12%Maximum 60 Months Explore
The Goa Urban Co Op Bank Ltd13%Maximum 12 Months Explore
The Jalgaon Peopels Cooperative Bank Limited11% to 12.95%Maximum 12 Months Explore
The Karad Urban Cooperative Bank Limited13.00%Maximum 12 Months Explore
The Mapusa Urban Coop Bank Of Goa Ltd13.50%Maximum 12 Months Explore
The Mehsana Urban Cooperative Bank10%Maximum 12 Months Explore
The Shamrao Vithal Cooperative Bank12.00%Maximum 12 Months Explore
The Surath Peoples Cooperative Bank Limited10.50%Maximum 12 Months Explore
The Thane Bharat Sahakari Bank Limited11%Maximum 12 Months Explore
Tjsb Sahakari Bank LtdPlease contact bank branchMaximum 12 Months Explore

Gold Loan

A gold loan in India is a secured loan which is offered against collateral of gold | gold ornaments. Under such loan, the borrower has to pledge his/her gold | gold ornaments with the bank who lends the funds as gold loan. Gold loans can be a good source of short term cash in case of emergency. Gold Loan is available at lower interest rate than personal loan. The gold loan interest rates offered by banks is around 12% to 15% as on 21 Sep 2018 whereas the personal loan rates are in the range from 15% to 24% as on 21 Sep 2018

A Gold loan in India is offered by several banks at a lower interest rate starting at 12% to 15% as on 21 Sep 2018 These loans allow you to repay them in maximum of 1 Years. Banks offer the best Home loan schemes and you can repay the loan through easy EMIs.

While opting for gold loan check the interest rates in various banks and select the best offered rate out of them.

Benefit of Gold Loan

  1. You need not submit any income proof for taking gold loan as it is given against physical security of your gold | gold ornaments. Most of the banks do not ask you any income proof, still some banks may need some documentary income proof.
  2. Minimal documentation is required, in most of the cases, only identity proof and address proof is enough.
  3. Gold Loan is available at lower interest rate than personal loan. The gold loan interest rates offered by banks is around 10.5% as on 21 Sep 2018 whereas the personal loan rates are in the range from 10.5% to 14.75% as on 21 Sep 2018
  4. Fast processing and approval. Whole process does not take more than 15 minutes in many banks. You have to just deposit gold, sign required documents and receive your loan amount.
  5. Processing fee is nil or very negligible. Even if there is some processing fee, if you negotiate, it can be waived off easily.
  6. You can repay the loan and close your loan account anytime.
  7. Guarantor is not required.

Upcoming Bank Holidays

2018 October 02 is a bank holiday in Andaman And Nicobar Island due to Mahatma Gandhi Jayanti.
2018 October 08 is a bank holiday in Andaman And Nicobar Island due to Mahalaya Amavasye.
2018 October 16 is a bank holiday in Andaman And Nicobar Island due to Durga Puja (Mahasaptami).
2018 October 17 is a bank holiday in Andaman And Nicobar Island due to Durga Puja (Mahastami).
2018 October 18 is a bank holiday in Andaman And Nicobar Island due to Durga Puja/Ayudhapooja/Dussehra (Mahanavami/Vijaya Dashmi).
2018 October 19 is a bank holiday in Andaman And Nicobar Island due to Durga Puja/Dussehra (Vijaya Dashmi)/Kati Bihu.

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ZILA SAHAKARI BANK LTD