Dhanlaxmi Bank Gold Loan

Gold Loan @ 7.10%

Apply & Get Instant Money

Dhanlaxmi Bank Gold Loan Key Features – Apply Now!

Dhanlaxmi Bank Gold Loan Interest Rate 7.10% per annum
Dhanlaxmi Bank Gold Loan Per Gram Rate Per Gram Today is ₹ 5,255
Dhanlaxmi Bank Gold Loan Amount Up to Rs. 1 Crore (With Income Proof)
Dhanlaxmi Bank Gold Loan Processing Fee 1.50% of the Principal Loan Amount
Dhanlaxmi Bank Gold Loan Prepayment Charges 2%+GST (Within 3 Months), 0 (After 3 months)
Gold Loan Repayment Tenure 3 Months to 24 Months
Gold Loan Repayment Scheme Bullet Payment Scheme, Overdraft Scheme

Advantages of Dhanlaxmi Bank Gold Loan

  • Fast Process: Dhanlaxmi Bank Gold Loan gets approved and payout quickly. The loan is within an hour.
  • Minimal Documents: For Dhanlaxmi Bank Gold Loan document method is simple and solely essential documents area unit needed
  • Transparent System: Complete clarity is provided to the customer; there aren’t any hidden charges.
  • Amount of Loan: The smallest amount of loan provided to the client is Rs. 15000. In rural areas, the smallest amount may also be but Rs 10,000.
  • Safety of Jewellery: Dhanlaxmi Bank is in control of the safety of your gold. Thus, gold is given fireproof protection.
  • Loan Tenure: The loan is granted for the length from 3 months to 2 years.
  • Benefits for Farmers: Dhanlaxmi Bank prevails some special offers for agricultural functions.Low Gold Loan rate for agricultural uses square measure provided.
  • No Debt Burden: If in any scenario the mortal isn’t able to pay the loan quantity, the mortal won’t be beneath debts.
  • No financial gain bounds: there are not any restrictions on the wage of the mortal. Hence, candidates with any financial gain level will avail a gold loan.

How much Gold Loan can I Get through Dhanlaxmi Bank Gold Loan

Dhanlaxmi Bank Gold Loan Per Gram – Updated September 2020

Updated - Gold Loan Per Gram Rate

Gold Weight

Gold Purity

Gold Purity

Gold Purity

Gold Purity

24 Carat

22 Carat

20 Carat

18 Carat

1 gram

4680 4290 3900 3510

10 gram

46800 42900 39000 35100

20 gram

93600 85800 78000 70200

30 gram

140400 128700 117000 105300

40 gram

187200 171600 156000 140400

50 gram

234000 214500 195000 175500

100 gram

468000 429000 390000 351000

200 gram

936000 858000 780000 702000

300 gram

1404000 1287000 1170000 1053000

400 gram

1872000 1716000 1560000 1404000

500 gram

2340000 2145000 1950000 1755000

Contact us on 9878981144 to avail the Best Deals and Offers on Dhanlaxmi Bank Gold Loan Per Gram.

Dhanlaxmi Bank Gold Loan Eligibility 

The candidates for Gold Loan area unit eligible given that they fulfil the following criteria:

Age

18-70 years of age

Nationality

Indian

Employment Status

Salaried, Self-Employed

Gold Quality

Minimum 18 Carats

Dhanlaxmi Bank Gold Loan Documents Required

While Dhanlaxmi Bank Gold Loan token documentation is needed to access to the gold loan, following area unit the list of essential documents that area unit required:

Photographs

2 Passport Size

Identity Proof

Aadhar Card, Passport, PAN Card, etc. (Only 1 is required)

Residence Proof

Aadhar Card, Driving License, Ration Card, etc. In the case of Rented House then the rent agreement or water/electricity bills for the last three months can be considered. (Only 1 is required)

Dhanlaxmi Bank Gold Loan Interest Rate, Fees and Charges

Gold as security is accessible at a low-interest rate as a result of it’s underneath the class of secured loans. Therefore, the Gold Loan interest rates are inferior to it of the private loan or the other variety of loans. The Gold Loan rate keeps on neutering time to time still as person to person.

HDFC Gold Loan Interest Rate

7.00% per annum

Processing Fee

1.50% of the Principal Loan Amount

Prepayment/Foreclosure Charges

2%+GST (Within 3 Months), 0 (After 3 months)

Valuation Fee

Rs 250 for a loan up to Rs 1.5 lacs and Rs 500 for a loan over and above Rs 1.5 lacs

Late Repayment Charges

2% p.a. + Applicable rate of interest.

Renewal Processing Fees

Rs 350 + GST

About Dhanlaxmi Bank Gold Loan

Uncertainties are a part of life. Thus, to tackle all the money hurdles in your life, we tend to all want cash. Where Gold Loan plays a significant role to fight with the cash crisis, people with low CIBIL score might have fast access to the current service. Dhanlaxmi Bank Gold Loan is one in all the most direct Gold Loans in India.

Despite, there are several financial banking and non-banking companies that avail the gold loan, but Dhanlaxmi Bank Gold Loan is considered the best. Dhanlaxmi Bank is well-known for its excellent money services because it is one in all the foremost supposed and dependable banks in India.

  • Dhanlaxmi Bank Gold Loan Interest Rate is 7.10% per annum.
  • Dhanlaxmi Bank Gold Loan Per Gram is ₹ 5,255
  • Dhanlaxmi Bank Gold Loan Tenure: Up to 24 months
  • Dhanlaxmi Bank Gold Loan Processing Fee is Up to 1.50% of the Loan Amount + GST

Types of Dhanlaxmi Bank Gold Loan

Dhanlaxmi Bank provides completely different schemes connected to the Gold Loan product.

  • Loan Against Gold- Dhanlaxmi Bank provides Gold Loan at an appealing rate of interests which can fulfil anyone’s immediate need for funds for any personal or professional reasons. Gold Loan is entirely a secured quite loan where the bank has no risk among the disposition amount of money to the loan seeker at a lower rate of interest as compared to the alternative kinds of Loan merchandise.
  • Loan Against Gold for Agriculture- Specifically for agricultural purposes to farmers Dhanlaxmi Bank Avails Gold Loan at a unique rate of interest as compared to the Gold Loans which are provided for other uses. Especially offers avails, and conjointly the bank would love the Land proofs on its basis the loan seekers apply for Loan.

Dhanlaxmi Bank Gold Loan EMI Calculator

Rate of Interest
6 months
1 Yr
2 Yrs
3 Yrs
7.00% 17008 8652 4477 3088
8.00% 17058 8699 4523 3134
8.50% 17082 8722 4546 3157
9.00% 17107 8745 4568 3180
9.50% 17131 8678 4591 3203
10.00% 17156 8791 4614 3227
10.50% 17181 8815 4637 3250
11.00% 17205 8838 4661 3274
11.50% 17230 8861 4684 3298
12.00% 17254 8885 4707 3321
12.50% 17279 8908 4731 3345
13.00% 17304 8932 4754 3369
13.50% 17329 8955 4778 3393
14.00% 17354 8979 4801 3418
14.50% 17378 9002 4825 3442
15.00% 17403 9026 4845 3466

How to Pay Your Dhanlaxmi Bank Gold Loan EMI?

Dhanlaxmi Bank Gold Advance can be repaid in the several following ways:

  • Standing Instruction (SI): If you are an account holder with Dhanlaxmi Bank currently, then Standing Instructions is the most opted method of compensation. Toward the termination of the month, the EMI amount will be charged from the applicant’s Dhanlaxmi Bank account the applicant shows.
  • Electronic Clearing Service (ECS): This theme is for the candidates who have a non-Dhanlaxmi Bank record and also the EMIs got to be debited consequently at the tip.
  • Post-Dated Checks (PDC): The individual will gift post-dated EMI examine from the non-Dhanlaxmi Bank statement at your near Dhanlaxmi Bank loan Center. Immediately, the restructure of PDCs ought to be offered. For ideal condition, it’s instructed to note Post Dated Checks which might be collected non-ECS states as a result of it was.

Dhanlaxmi Bank Gold Loan Contact Number

Call at 9878981144 to induce instant to facilitate and approval for your Dhanlaxmi Bank Gold Loan.

Gold Ornaments Accepted by Dhanlaxmi Bank

  • Gold Jewellery like Gold Bangles, Gold rings, Gold Lockets, Gold anklets, Gold Necklaces etc. are all accepted by Dhanlaxmi Bank for seeking Gold Loan.
  • Quality: the quality of Gold should be from 18 to 22 Carat. Gold Loan is not granted for any ornaments of 24 carats.

Use of Dhanlaxmi Bank Gold Loan

The fund that is obtained by Dhanlaxmi Bank Gold Loan services can be used for several purposes:

  • Fund for any direct investments like hiking, matrimony, instalment of upper tuition payments, etc.
  • Loan services square measure obtainable for promoting needs like getting contemporary provide, developing promoting, etc.
  • Additional Gold Loan also can be availed for horizontal ideas. The bank provides a lower rate of interest for Gold Loans that are available for farming or farming-related projects.

Gold Loan Interest Rate of Major Banks

Bank

 Interest Rates

HDFC Bank Gold Loan

7.10% – 14.50%

ICICI Gold Loan

7.10% – 16.10%
Muthoot Finance Gold Loan

7.10% – 24.00%

Axis Bank Gold Loan

7.10% – 17.10%
Manappuram Gold Loan

7.10% – 26.00%

Yes Bank Gold Loan

7.10% – 15.99%
Bank of India Gold Loan

7.10% – 26.00%

Federal Bank Gold Loan 

7.10% – 13.50%
IIFL Gold Loan

7.10% – 12.00%

Central Bank of India Gold Loan

7.10% – 14.65%

Canara Bank Gold Loan

7.10% – 12.65%

Allahabad Bank Gold Loan

7.10% – 10.45%

Induslnd Bank Gold Loan

7.10% – 15.75%
PNB Gold Loan

7.10% – 11.75%

Bajaj Finance Gold Loan

7.10% – 26%
SBI Gold Loan

7.10% – 15.99%

Indian Bank Gold Loan

7.10% – 15.99%
UCO Bank Gold Loan

7.10% – 26.00%

Kotak Mahindra Bank Gold Loan

7.10% – 13.50%
Syndicate Bank Gold Loan

7.10% – 12.00%

FAQs About Dhanlaxmi Bank Gold Loan

  • What is Dhanlaxmi Bank Gold Loan?

Dhanlaxmi Bank Gold Loan could also be a loan theme where you may access for any emergency financial facilitate by keeping your gold as a guarantee with the bank. It comes with collaborating interest rates on Term Loan, the order of payment and EMI based loan. Average Gold Loan disbursal time is solely 45 minutes.

  • How can I get the Gold Loan from the Dhanlaxmi Bank? 

You can access the Dhanlaxmi Bank Gold Loan by being to any near Gold Loan giving branch. Even you’ll be able to access to Gold Loan on-line with Magicloans from anyplace and find the most effective deals and offers.

  • What is Gold Loan Interest Rate in Dhanlaxmi Bank?

The Gold Loan rate of interest in the Dhanlaxmi Bank is 7.10% once a year. The speed of interest depends on varied criteria, namely: loan amount, loan tenure, purity of gold etc.

  • How much Gold Loan can I get per gram in Dhanlaxmi Bank?
The value of per gram Gold Loan strictly depends on the purity and quality of the gold. Dhanlaxmi Bank believes gold purity between 18 to 22 carats to supply a Gold Loan. You may avail up to Rs. 5,255 per gram in Dhanlaxmi Bank of India Gold Loan.
  • How to check Gold Loan status in Dhanlaxmi Bank?

To check the standing of Dhanlaxmi Bank Gold Loan, you will be ready to visit Dhanlaxmi Bank loan hunter. Mention your choices inside the provided application. This could merely assist you in tracing the standing of your loan from anywhere at any time and keeps you updated.

  • How to calculate Gold Loan Interest in Dhanlaxmi Bank?

Dhanlaxmi Bank Gold Loan interest is commonly calculated victimization MagicLoans Deal’s EMI Calculator. It provides you with the correct details supported the info the person enters inside the calculator.

  • How to Pay Dhanlaxmi Bank Interest Online?

Dhanlaxmi Bank Gold Loan interest will be paid through internet banking method on the official Dhanlaxmi Bank loan reimbursement web content or as an alternative. Another mode Paytm may be accustomed repay Dhanlaxmi Bank Gold Loan or your most popular payment methodology.

  • What if I can’t pay the interest on Dhanlaxmi Bank Gold Loan for 3 months?

If the interest isn’t paid back for three months, then ab initio a reminder is given for your unfinished dues. After this, if the payment requests go neglected or invisible, then an official legal notice is shipped, that demands the compensation and closure of the loan. Such defaults on your Gold Loan lands up in Associate in Nursing exceedingly decrease of your credit score and additionally cause you to respond to face legal actions by the bank which can embrace arrogation and auction of your gold.

  • How can I apply for EMI Moratorium on Dhanlaxmi Bank Gold Loan?
You can appeal for EMI Moratorium on Dhanlaxmi Bank Gold Loan within 1st March and 31st August 2020. you’ll be able to tumble done by contacting the Bank client Care or visiting the near Dhanlaxmi Bank branch.