Pandyan Grama Bank Gold Loan

Pandyan Grama Bank Gold Loan Interest Rate (Updated on 16 Aug 2018)

INTEREST RATEN/A
LOAN TENUREContact Bank Branch
PROCESSING FEEAs decided by the bank from time to time
GUARANTOR REQUIREDNo
PRE CLOSURE CHARGESAs decided by the bank from time to time

Pandyan Grama Bank

It has headquarter in Virudhunagar and address is Administrative Office 2-70-01, Collectorate Complex, Virudhunagar - 626 002. it has 419 branches across the state.

It provides all the financial services to its customers like saving deposit, fixed deposit, recurring deposit, loans, personal loans, netbanking, RTGS, NEFT, IMPS, Atal Pension Yojana, Pradhan Mantri Jandhan Yojana, Pradhan Mantri Suraksha Bima Yojana, Pradhan Mantri Jeevan Jyoti Bima Yojana and many more.

Pandyan Grama Bank Gold Loan, Pandyan Grama Bank Gold Loan Interest Rate, Gold Loan at Updated on 16 Aug 2018. Apply for Gold Loans Online. Find Pandyan Grama Bank Gold loan purpos, Eligibility, Margin, Repayment of Gold Loan ,Security, Documents Required for Gold Loan from below.

Other Products of Pandyan Grama Bank:

Pandyan Grama Bank Gold Loan Purpose

The purpose of the Gold Loan is to provide loan to borrowers against pledge of their gold |gold ornaments| gold coins to meet their urgent financial needs with lower interest rate and faster disbursement.

Pandyan Grama Bank Gold Loan Eligibility

  1. Person should be at least 18 years old.
  2. Any person who owns gold | gold ornaments | gold coins that needs to be mortgaged with the bank.
  3. Person should have a regular income (optional).
  4. Persons who are having Savings or Current account with the bank (optional).

Pandyan Grama Bank Gold Loan Document Required

  1. Duly filled up and signed gold loan application form
  2. 2 passport size photographs
  3. Proof of identity- Passport, Voter ID card, Driving license, PAN card, Aadhar Card, Government department ID card
  4. Proof of Address - Bank account statement, Latest electricity bill, Latest mobile/telephone bill, Latest credit card statement, Existing house lease agreement
  5. Proof of income -Latest salary slip showing all deductions or Form 16 or Income Tax Returns of 2 previous financial years (optional)

Pandyan Grama Bank Gold Loan Amount

The gold | gold ornaments | gold coins are valued by bank's valuer immediately to arrive at the loan amount. It also involves verification of its purity. Note that the weight of any other stones, gems or metals fixed on the gold ornaments will be deducted for the purpose of valuation. Normally, the loan amount is approved upto 70% of current market value of your gold. In case you are ready to pay some higher interest rate, banks can also approve upto 90%. This varies according to each bank's gold loan scheme.

Security

Gold | gold ornaments | gold coins etc. and since these can easily get liquidated in case of any default, banks offer these loans easily and at lower rates.

Pandyan Grama Bank Gold Loan Tenure

It is a short term loan. As per RBI guidelines, the tenor is limited to 1 year, in case of non-agriculture use. Some of the banks offer the tenure of upto 36 months too. You can take your gold back from the bank after you repay the loan completely.

Pandyan Grama Bank Gold Loan Repayment

Repayment structure depends on the bank. Mostly, banks permit repayment through EMIs or a bullet repayment at the end of loan term. In case of bullet payment at the end, borrowers need to pay interest on time. The principal amount will be paid in a bullet payment at the end.

Charges Associated with Gold Loan

  1. Processing Fee: Some banks charge the processing fee which fee can be if negotiated, may be waived off. Valuation Fee: Some banks charge a small amount for valuation of gold. This is paid to the third party valuer.
  2. Pre-payment Penalty: Some banks may charges penalty for pre-payment of loan.
  3. Late payment Penalty: It is charged if you make any delay in payment of interest.

Pandyan Grama Bank Contact Details

  • BANK OFFICIAL WEBSITE - www.pandyangramabank.in
  • CONTACT NUMBERS - 04562-252128,252630,252633,252836
  • EMAIL ID - contact@pandyangramabank.in, chairmansec@pgbnet.in
  • TOTAL BRANCHES - 419
  • HEADQUARTER - Virudhunagar
  • BANK ADDRESS - Administrative Office 2-70-01, Collectorate Complex, Virudhunagar - 626 002

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Upcoming Bank Holidays

2018 August 17 is a bank holiday in Daman And Diu due to Parsi New Year (Shahenshahi).
2018 August 22 is a bank holiday in Andaman And Nicobar Island due to Bakri Id (Id-ul-Zuha)/Karma Puja.
2018 August 23 is a bank holiday in Jammu And Kashmir due to Bakri Id (Id-ul-Zuha).
2018 August 24 is a bank holiday in Kerala due to First Onam.
2018 August 25 is a bank holiday in Kerala due to Thiruvonam.
2018 August 27 is a bank holiday in Kerala due to Sree Narayana Guru Jayanthi.

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