Jharkhand Gramin Bank Gold Loan Key Features – Apply Now!
|Gold Loan Interest Rate||7.11% per annum|
|Gold Loan Per Gram||Rate Per Gram Today is ₹ 5,032
|Gold Loan Amount||Up to Rs. 1 Crore (With Income Proof)|
|Gold Loan Processing Fee||1.50% of the Principal Loan Amount|
|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|
What is Gold Loan?
Gold Loan is the loan against the gold ornament of the customer. It is the most renowned type of loan nowadays. Most people prefer to have a gold loan in need of money. The Jharkhand Gramin Bank Gold Loan provides you the best gold loan and helps the customer to get a loan quickly. Your Gold will be safe with the bank.
Eligibility for Jharkhand Gramin Bank Gold Loan:
Here is the list of eligibility criteria
- Anyone can apply for a loan with them, which means that the person can be a professional, salaried, business person, a person of regular income group, etc.
- 2. The gold ornament should be between 18 karats to 22 karats.
- The Gold should be of the applicant or should be of his family member.
- 4. No minimum income of the applicant is required.
- The applicant should be of at least 18 years of age
Documentation for Jharkhand Gramin Bank Gold Loan:
- Identity proof: (Passport/Id card/voter card/driving license) Can be any one of them. Everyone easily has these documents, so there is no problem with the submission.
- 3 passport size photos
- A passport It can be an ID proof because a passport has a name, age, address and photograph of the customer. If you have a passport, then there is no need to bring your address proof separately. But the passport should not be expired.
- Residence proof: It can be an Aadhar card, voter card, and passport (Passport/Id card/voter card/driving license). Electricity and water bill for the last three months because these are the proofs that you are residing in that particular place.
- Driving license: It is also regarded as a proof of identity and residence proof because it contains the name, date of birth, and a photograph of the customer. But the condition is that it should not be expired.
- Ration card is also considered as a residence proof because it provides enough information about the applicant.
- PAN card is the permanent account number that is provided to the customers, and it prevents the financial frauds. So it is also considered as an identity/residence proof. Pan card is an essential document under KYC (know your customer) formality.
- The Interest rate provided by the bank is the most attractive rate on per gram of loan.
- Jharkhand Gramin Bank gives the gold loans instantly against the jewelery of the applicant
- There are no extra processing fees and hidden charges of the bank.
- After measuring the quality and quantity of the Gold, the Gold is kept very safely, in tamper proof pouch seals and is stored in the ‘bank’s vault. To assure the customer, this process is done in the presence of the customer.
- The documentation is also very less.
Interest Rate and other charges:
The interest rate charged by the bank is very less if compared to other banks. The interest rate charged by the bank is only 7.11%
The time period for which the loan is given varies from 1 year to 4 years. So the customer can easily avail the loan according to his choice.
About Jharkhand Gramin Bank Gold Loan:
Jharkhand Gramin Bank is a type of rural bank, and it was established in the year 2006. The head office of this bank is in Ranchi. It was established after the merger of three regional rural banks Ranchi Kshetriya Gramin Bank, Singhbhum Kshetriya Gramin Bank, Hazaribag Kshetriya Gramin Bank, and Giridih Kshetriya Gramin Bank. Also, the bank provides many financial services to people like personal loan, gold loan, and even the loan against the property of a person.
How to apply through lendingwale?
When you apply for the Jharkhand Gramin Bank Gold Loan from lendingwale.com, you will get by many benefits Jharkhand Gramin Bank
- You have to fill the Gold Loan form, and you will get a call from our side automatically.
- Besides that, you may get some more concessions on the interest rates.
- Therefore there is no need to go to the bank.
- Even more, documents pick up facility from your doorstep is available.