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State Bank of Bikaner and Jaipur

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    State bank of bikaner and jaipur gold loan

    State bank of bikaner and jaipur gold loan helps customers meet their various monetary requirements like medical emergency, debt consolidation, etc. Furthermore, The Bank is committed to easy documentation as well as fast allotment helping customers to avail a lot of services making their life easier by being better at finance management.

    Why opt for State bank of bikaner and jaipur gold loan

    Uniquely, this grants you Gold Loan starting at Rs.10000 to Rs.5 lacs depending on the client’s financial power, cibil score, and professional background.
    Furthermore, customers can benefit the Gold Loan without much tension, and they can have their request permitted inside four working hours.
    Also, no Guarantor or Cosigner is required to avail the Loan.

    Eligibility

    Salaried

    Profession: The person should be working in a government, private or MNC Company.
    Eligible Age: The Minimum age to apply for a Personal Loan is 23 years.

    Self-Employed

    Eligible Age: The Minimum age to apply for a Personal Loan is 19 years.

    Profession: The Person should be professionals like Doctors, CA, CS, Architects, Lawyer, or, doing his own business.
    The borrower must possess an updated Aadhaar ID.
    The customer should hold an active bank account that has an internet banking facility.

     Interest rate

    Interest rates start from 10- 16%

    Documents Required

    Salaried

    Identity Proof: Adhar Card, Passport, Voter ID card or Driving License
    Address proof: Ration card, Passport, rent agreement, electricity/water bill.
    Last six months Bank statement & 3 months’ salary slip

    Self-Employed

    Identity Proof: Adhar Card, Passport, Voter ID card or Driving License
    Address proof: Ration card, Passport, rent agreement, electricity/water bill.
    Equally, important are last six months Bank statements.
    Likewise, Latest ITR along with computation of income along with P/L audited by certified CA for the previous two years.

    About state bank of bikaner and jaipur

    State Bank of Bikaner & Jaipur is a major Indian bank. It is a subsidiary of State Bank of India, with which it is merged. As of 2015, SBBJ had 1,360 branches, mostly established in the state of Rajasthan, India. Its branch network outside Rajasthan spans across all the major business locations in India. In 1997, the bank entered the capital market with an IPO of 13,60,000 shares at a premium of Rs 440 per share. For the year 2015-16 the net profit of the company was 850.60 Crore.

    FAQs (Frequently Asked Questions)

    Q1. Why should I take a gold loan from state bank of Bikaner and jaipur?
    Ans. State bank of bikaner and jaipur gold loan per gram allows you to know an estimate of the amount of Loan you can get in exchange for your gold jewelry. Moreover, Credit is provided based on the purity of gold and the price of your jewelry adjusted for Loan to value the ratio.
    Q 2. What %age interest is charged?
    Ans. 10.70% is the minimum interest rate charged by the Bank.
    Q 4. What is the tenure?
    Ans: The tenure of Gold Loan is 3-12 months.
    Q 5. What amount Gold Loan amount I can borrow?
    Ans: Comaparatively, The applicant can get a loan amount of Rs. 10 thousand-2 lacs at maximum for three year.
    Q 6. How much is the processing fee?
    Ans: The processing fee charged is 1% for gst.
    Q 7. Is age an eligibility criterion in getting a Gold loan?
    Ans: Yes, age is a factor to apply for a Gold loan. The minimum age of the applicant should be 18years.
    Q 8. Do prepayment charge on a Gold loan from state bank of bikaner and jaipur apply?
    Ans: The pre-closure charges are 0.