Tjsb Sahakari Bank Ltd Gold Loan Interest Rate at
| INTEREST RATE | Please Contact Bank Branch |
| LOAN TENURE | Maximum 12 Months |
| PROCESSING FEE | As decided by the bank from time to time |
| GUARANTOR REQUIRED | No |
| PRE CLOSURE CHARGES | As decided by the bank from time to time |
About Tjsb Sahakari Bank Ltd
Tjsb Sahakari Bank Ltd is a Co-operative bank in india. It has headquarter in Mumbai. Tjsb Sahakari Bank Ltd was founded on 1972. It has 249 branches and
It provides all the financial services to its customers like saving deposit, fixed deposit, recurring deposit, home loans, personal loan, car loan, education loan, gold loan, PPF account, lockers, netbanking, mobile banking, RTGS, NEFT, IMPS, E-Wallet, Atal Pension Yojana, Pradhan Mantri Jandhan Yojana, Pradhan Mantri Suraksha Bima Yojana, Pradhan Mantri Jeevan Jyoti Bima Yojana and many more.
Find details about Tjsb Sahakari Bank Ltd which includes Tjsb Sahakari Bank Ltd Official Website, Tjsb Sahakari Bank Ltd ATMs accross the India, Tjsb Sahakari Bank Ltd Branches accross the India, Tjsb Sahakari Bank Ltd Contact Numbers, Tjsb Sahakari Bank Ltd official EmailID, Tjsb Sahakari Bank Ltd Headquarter and Tjsb Sahakari Bank Ltd Headquarter Address. Find Tjsb Sahakari Bank Ltd Gold loan purpos, Eligibility, Margin, Repayment of Gold Loan ,Security, Documents Required for Gold Loan from below.
Other Products of Tjsb Sahakari Bank Ltd:
| Home Loan | Personal Loan |
| Education Loan | Business Loan |
| Car Loan | Two Wheeler Loan |
| Gold Loan | FD Interest Rates |
| RD Interest Rates | Bank ATMs |
| PPF Account |
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.
Tjsb Sahakari Bank Ltd Gold Loan Eligibility
- Person should be at least 18 years old.
- Any person who owns gold | gold ornaments | gold coins that needs to be mortgaged with the bank.
- Person should have a regular income (optional).
- Persons who are having Savings or Current account with the bank (optional).
Tjsb Sahakari Bank Ltd Gold Loan Document Required
- Duly filled up and signed gold loan application form
- 2 passport size photographs
- Proof of identity- Passport, Voter ID card, Driving license, PAN card, Aadhar Card, Government department ID card
- Proof of Address - Bank account statement, Latest electricity bill, Latest mobile/telephone bill, Latest credit card statement, Existing house lease agreement
- Proof of income -Latest salary slip showing all deductions or Form 16 or Income Tax Returns of 2 previous financial years (optional)
Tjsb Sahakari Bank Ltd Gold Loan Amount
Maximum upto Rs. 25.00 lakh based on repayment capacitySecurity
Gold or gold ornaments or gold coins etc. and since these can easily get liquidated in case of any default, banks offer these loans easily and at lower rates.
Tjsb Sahakari Bank Ltd 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.
Tjsb Sahakari Bank Ltd 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
- 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.
- Pre-payment Penalty: Some banks may charges penalty for pre-payment of loan.
- Late payment Penalty: It is charged if you make any delay in payment of interest.
Things that you must know before Applying for a Gold Loan
In India, we have emotional attachment with gold because usually, it is kept in the form of family jewellery. When we want to avail gold loan, we are required to keep this gold as a collateral which we do not agree so easily.
It is also required for you to be aware of the quality of gold which qualifies for the gold loan. The purity of gold which is required as a collateral for gold loan should be 18-22 carat or above. No value of precious gems studded in the gold jewellery is taken into account. It is also equally important for the borrowers to go through the terms and conditions mentioned in loan agreement thoroughly.
Further, if you are unable to repay the gold loan on time then there are high chances of losing your pledged gold/ gold jewellery. This may cause undue pressure on you. Hence, it is very necessary for you to think beforehand whether you will be able to repay the gold loan conveniently.
Contact details of Tjsb Sahakari Bank Ltd, Tjsb Sahakari Bank Ltd SMS balance check number, Tjsb Sahakari Bank Ltd SMS banking, Tjsb Sahakari Bank Ltd mobile banking, Tjsb Sahakari Bank Ltd toll free number,Tjsb Sahakari Bank Ltd toll free number 24*7, Tjsb Sahakari Bank Ltd miss call number.
- MISSED CALL NUMBERS - 9212005550
- CUSTOMER CARE NUMBERS - 1800223466, 18002663466
- CONTACT NUMBERS - 022-25878500, 1800223466, 18002663466
Tjsb Sahakari Bank Ltd Contact Details
- BANK OFFICIAL WEBSITE - www.tjsbbank.co.in
- CONTACT NUMBERS - 022-25878500, 1800223466, 18002663466
- EMAIL ID - response@tjsb.co.in
- MISSED CALL NO. - 9212005550
- CUSTOMER CARE NO. - 1800223466, 18002663466
- TOTAL BRANCHES - 249
- TOTAL ATMS - 130
- HEADQUARTER - Mumbai
- BANK ADDRESS - TJSB House, Plot No. B-5, Road No.2, Wagle Industrial Estate, Thane (W) - 400604
Tjsb Sahakari Bank Ltd Gold Loan FAQsGold Loan Document Required
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