AU Small Finance Bank Gold Loan

Gold Loan at 7.25% p.a

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AU Small Finance Bank Gold Loan Key Features

AU Small Finance Bank Gold Loan Loan Amount Up to Rs. 1 Crore (With Income Proof)
AU Small Finance Bank Gold Loan Interest Rate 7.25% per annum
AU Small Finance Bank Gold Loan Per Gram Rate Per Gram Today is ₹ 5,219
AU Small Finance Bank Gold Loan Processing Fee 1.50% of the Principal Loan Amount
AU Small Finance Bank Gold Loan Prepayment Charges 2%+GST (Within 3 Months), 0 (After 3 months)
AU Small Finance Bank Gold Loan Repayment Tenure 3 Months to 24 Months
AU Small Finance Bank Gold Loan Repayment Scheme Bullet Payment Scheme, Overdraft Scheme

Advantages of AU Small Finance Bank Gold Loan

  • Fast Process: AU Small Finance Bank Gold Loan interval to pass out the loan is 45minutes. The loan quickly gets approved and payout entirely.
  • Minimal Documents: For AU Small Finance Bank, Gold Loan document method is easy, and only essential documents are needed
  • Transparent System: Total clarity is given to the client; there are no hidden charges between the bank and the client.
  • Amount of Loan: The tiniest amount of loan granted to the client is Rs. 15,000. In rural areas, the tiniest amount of loan granted to the client can also be less than Rs 10,000.
  • Safety of Jewellery: AU Small Finance Bank is entirely answerable for the safety of your gold. Thus, gold is given fireproof protection.
  • Loan Tenure: The loan is provided for the term from 3 months to 2 years.
  • Benefits for Farmers: AU Small Finance Bank prevails some special offers for agricultural purposes. These schemes are with a low-interest rate for agricultural purposes.
  • No Debt Burden: If in either situation, the client is not able to repay the loan amount then in such condition, the client would not be below any debts. Only the client’s ornaments will be seized.
  • No financial gain bounds: there are no restrictions on the payment of the client. Hence, a client with any financial gain level can avail a gold loan.

What amount of Gold Loan can I Get through AU Small Finance Bank Gold Loan?

AU Small Finance 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

Call us on 9878981144 to take advantages of amazing Deals and Offers on AU Small Finance Bank Gold Loan Per Gram.

AU Small Finance Bank Gold Loan Eligibility 

The candidates for Gold Loan are eligible providing they fulfil the following criteria:

Age

18-70 years of age

Nationality

Indian

Employment Status

Salaried, Self-Employed

Gold Quality

Minimum 18 Carats

AU Small Finance Bank Gold Loan Documents Required

In AU Small Finance Bank, Gold Loan has an easy but compulsory documentation process for god loan. Followings are the list of essential documents 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)

 Interest Rate, Fees and Charges of AU Small Finance Bank Gold Loan

Gold Loan is available at a low-interest rate as a result of it’s underneath the class of secured loans. Therefore, the Gold Loan interest rates are lesser than that of the private loan or the other kind of loans. The Gold Loan rate keeps on varying time to time additionally 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 AU Small Finance Bank Gold Loan

Difficulties are part of life. It is something that every other person need to fight. To fight with all these difficulties, monetary support becomes a necessity. Gold Loan at such situations plays a vital role to help people fight with all the difficulties as it is already termed as a secured loan. Any individual with low CIBIL score may also have easy accessibility to all the services. AU Small Finance Bank Gold Loan is amongst the most uncomplicated Gold Loan service in India. 

Despite there are several financial banking and non-banking firms those avails gold loan, but AU Small Finance Bank Gold Loan is considered the most straightforward loan availing Bank. AU Small Finance Bank is popularly known for its monetary services, and this is the reason that it is considered the most reliable bank in India.

  • AU Small Finance Bank Gold Loan the Interest Rate is 7.25% per annum.
  • AU Small Finance Bank Gold Loan Per Gram is ₹ 5,219
  • AU Small Finance Bank Gold Loan Tenure: Up to 24 months
  • AU Small Finance Bank Gold Loan Processing Fee is Up to 1.50% of the Loan Amount + GST.

Types of AU Small Finance Bank Gold Loan

AU Small Finance Bank provides different schemes pinned up to the Gold Loan product. Schemes are as follows:

  • Loan Against Gold- AU Small Finance Bank provides Gold Loan at an appealing rate of interests which might truly fulfil anyone’s immediate need like of funds for any personal or skilled reasons. Gold Loan is a secured sort of loan where the bank has no risk within the loaning quantity of cash to the loan seeker at a lower rate of interest as compared to the other varieties of Loan product.
  • Loan Against Gold for Agriculture- Specifically for agricultural functions to farmers AU Small Finance Bank Avails Gold Loan at a special rate of interest as compared to the Gold Loans that are provided for alternative uses. Notably offers avails and also the bank would like the Land proofs on that basis of which the loan seekers apply for Loan.

AU Small Finance 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 AU Small Finance Bank Gold Loan EMI?

AU Small Finance Bank Gold Advance provides different ways to pay the Gold Loan EMI. Listed below are some methods:

  • Standing Instruction (SI): If the client is an account holder with AU Small Finance Bank presently, then Standing Instruction(SI) is that the most opted technique of compensation. Toward the end of the monthly amount, the EMI quantity is debited from the clients AU Small Finance Bank checking to account the applicant shows.
  • Electronic Clearing Service (ECS): This theme is for the candidates who are non-AU Small Finance Bank record and also the EMIs have to be compelled to be debited consequently at the top of the monthly cycle from this account.
  • Post-Dated Checks (PDC): The somebody will gift post-dated EMI examine from the non-AU Small Finance Bank statement at your near AU Small Finance Bank loan Center. Instantly, the restructure of PDCs ought to be conferred. For ideal condition, it’s suggested to notice Post Dated Checks which can be collected non-ECS states because it was.

AU Small Finance Bank Gold Loan Contact Number

Call at 9878981144 to urge instant facilitate and approval for your AU Small Finance Bank Gold Loan. You’ll recognize the most direct offers on Gold Loan obtainable from all the AU Small Finance Bank Branches throughout the country to avail the most uncomplicated deal appropriate to your wants.

Gold Ornaments Accepted by AU Small Finance Bank

  • Gold jewellery like Gold Bangles, Gold rings, Gold anklets, Gold Necklaces etc. are all accepted by AU Small Finance Bank for the applicant’s who are looking for Gold Loan.
  • Quality: the standard of Gold ought to be between 18 to 22 Carat. Any 24 Carat gold ornaments can’t be wont to avail a gold loan.

Use of AU Small Finance Bank Gold Loan

The fund that’s obtained by AU Small Finance Bank Gold Loan services is used for many purposes:

  • Fund for any direct investments like hiking, matrimony, payment of upper tuition payments, etc.
  • Loan services are obtainable for promoting needs like getting current stock, developing promoting, etc.
  • Additional Gold Loan may also be availed for horizontal ideas. The bank provides a lower rate of interest for Gold Loans that are obtainable for farming or farming-related needs.

Gold Loan Interest Rate of Major Banks

Bank

 Interest Rates

HDFC Bank Gold Loan

7.25% – 14.50%

ICICI Gold Loan

7.25% – 16.10%
Muthoot Finance Gold Loan

7.25% – 24.00%

Axis Bank Gold Loan

7.25% – 17.00%
Manappuram Gold Loan

7.25% – 26.00%

Yes Bank Gold Loan

7.25% – 15.99%
Bank of India Gold Loan

7.25% – 26.00%

Federal Bank Gold Loan 

7.25% – 13.50%
IIFL Gold Loan

7.25% – 12.00%

Central Bank of India Gold Loan

7.25% – 14.65%

Canara Bank Gold Loan

7.25% – 12.65%

Allahabad Bank Gold Loan

7.25% – 10.45%

Induslnd Bank Gold Loan

7.25% – 15.75%
PNB Gold Loan

7.25% – 11.75%

Bajaj Finance Gold Loan

7.25% – 26%
SBI Gold Loan

7.25% – 15.99%

Indian Bank Gold Loan

7.25% – 15.99%
UCO Bank Gold Loan

7.25% – 26.00%

Kotak Mahindra Bank Gold Loan

7.25% – 13.50%
Syndicate Bank Gold Loan

7.25% – 12.00%

FAQs About AU Small Finance Bank Gold Loan

  • What is AU Small Finance Bank Gold Loan?

AU Small Finance Bank Gold Loan could be a loan theme wherever you’ll be able to access for any emergency monetary facilitate by keeping your gold as a guarantee with the bank. It comes with participating interest rates on Term Loan, bill of exchange and EMI based mostly loan. Average Gold Loan disbursal time is simply 45 minutes.

  • How can I obtain the Gold Loan from the AU Small Finance Bank? 

You can get AU Small Finance Bank Gold Loan by being to any close Gold Loan providing branch. Even you’ll be able to access to Gold Loan on-line with LoanNow from anyplace and find the most effective deals and offers.

  • What is Gold Loan Interest Rate in AU Small Finance Bank?

The Gold Loan charge per unit in Axis Bank is 7.25% every year. The speed of interest depends on numerous criteria, namely: loan quantity, loan tenure, purity of gold etc.

  • How much Gold Loan can I obtain per gram in AU Small Finance Bank?

The value of per gram Gold Loan strictly depends on the purity and quality of the gold. AU Small Finance Bank believes gold purity between 18 to 22 carats to produce a Gold Loan. you’ll be able to avail up to Rs. 5,219 per gram in AU Small Finance Bank Gold Loan.

  • How to check Gold Loan status in AU Small Finance Bank?

To check the standing of AU Small Finance Bank loan, you’ll be able to visit AU Small Finance Bank hunter. Top of your options within the given application. It will merely assist you in tracing the standing of your loan from anyplace at any time and keeps you updated.

  • How to calculate Gold Loan Interest in AU Small Finance Bank?

AU Small Finance Bank Gold Loan interest will be calculated victimisation LoanNow’s EMI Calculator. It provides you with the correct details supported the data the mortal enters within the calculator

  • How to Pay AU Small Finance Bank Gold Loan Interest Online?

AU Small Finance Bank Gold Loan interest will be paid through internet banking on the official AU Small Finance Bank compensation online page or as an alternative. Another mode Paytm may also be wont to repay AU Small Finance Bank Gold Loan or your most popular payment methodology.

  • What if I can not pay the interest on AU Small Finance Bank Gold Loan for three months?

If the interest amount is not paid to the bank for a maximum of 3 months, then initially notice is sent by the bank’s name to the clients regarding the unfinished dues. After this, if the payment notice is neglected or unhearable, the legal step of sending the legal notice is taken by the bank demanding compensation of the interest rate and closure of the loan. After this, if in any situation the legal notice is also neglected, then the client’s CIBIL score will also decrease the bank can legally seize all the Gold Ornaments and auction them.

  • How can I access for EMI Moratorium on AU Small Finance Bank Gold Loan?

You can access for EMI Moratorium on AU Small Finance Bank Gold Loan within 1st March and 31st August 2020. you’ll be able to understand it by contacting the Bank customer Care or visiting the nearby AU Small Finance Bank branch.