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    Gold Loan @ 7%

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    Gold Loan Baddi Feature:

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

    What is Gold Loan?

    A gold loan is a loan which is secured against gold ornaments. A borrower pledges their gold ornaments with the lender in exchange for funds. Therefore, it is a loan which is granted against a certain physical security of gold. Gold loans have successfully enabled thousands of people to mobilize their personal assets, which would’ve otherwise simply been kept away in a locker. Many think that instead of keeping it idle at home or in a locker, the gold loan is the best option.

    About Gold Loan Baddi : 

    Baddi is an industrial town and a Nagar panchayat in the Southwestern Solan district of Himachal Pradesh. The town lies on the border of Himachal Pradesh and Haryana states in the Shivalik Hills, around 35 kilometers west of Solan. Apply for Gold Loan Baddi And avail the best offers on your loan.

    Documents Required for Gold Loan

    1. Proof of Identity – (Passport / Voter’s ID / Driving License/PAN Card/Aadhar Card)
    2. Signature Proof (Passport /Driving License/Banker’s verification)
    3. Address Proof- (Ration card /Driving License/ Voter’s ID / Utility Bill (any one within last 3months) / Registered Rental Agreement. / Credit Card Statement / Passport )
    4. Date of Birth Proof ( Driving Licence / PAN Card / Passport / Birth Certificate / 10th / 12th mark sheet bearing date of birth)
    5. 2 passport size photograph

    Major Gold Loan Providers in Baddi:

    Feature

    		 HDFC Bank ICICI Bank Muthoot Finance

    Interest Rate

    9.90%

    10.50%

    12%

    Min Loan Amt

    Metro : 25000, Non : 15000

    25000

    15000
    Max Loan Amt 1 Cr 1 Cr

    1 Cr

    Loan Tenure

    		 3 months to 24 months 9 months to 24 months 1 month to 24 months
    Processing Fee 0.25% to 1.50% of the Loan Amt 0.25% to 1.50%

    Nil

    Preclosure Chgs

    		 2%, Nil foreclosure charges after 3 months 2%, Nil foreclosure charges after 9 months Nil
    Overdraft Facility Yes Yes

    Yes

    Pay Only Interest Facility

    		 Yes Yes Yes
    Gold Rate Per Gram 2500 2600

    2700*

    Gold Loan eligibility:

    1. Minimum age of applicant: 21 years
    2. Maximum age of applicant at loan maturity: 65 years
    3. Gold jewellery should be owned by the applicant or any of the family members.

    Processing & Prepayment Fee on Gold Loan Baddi:

    Bank

    		 Processing Fee

    Prepayment Charges

    HDFC Bank Gold Loan

    		 0.25% to 1.50% 2%, Nil foreclosure charges after 3 months

    Axis Bank Gold Loan

    0.50% to 1.50%

    Nil
    ICICI Bank Gold Loan 0.25% to 1.50%

    2%, Nil foreclosure charges after 9 months

    SBI Gold Loan

    		 500/- to 0.50% Nil
    Kotak Gold Loan 1% to 2%

    2.25% of foreclosure amount if closed 1 month ahead of the tenure.

    IIFL Gold Loan

    		 Nil Nil
    Muthoot Gold Loan Nil

    Nil

    Manappauram Gold Loan

    		 Nil Nil
    PNB Gold Loan 0.70% to 1%

    Nil

    Canara Bank Gold Loan

    		 1% Nil
    Andhra Bank Gold Loan Nil

    Nil