State Bank of Patiala Gold Loan

Gold Loan at 7.25% p.a

Apply & Get Instant Money

State Bank of Patiala  Gold Loan Key Features

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

Advantages of State Bank of Patiala Gold Loan

  • Fast Procedure: You can take a Gold Loan from State Bank of Patiala effectively and rapidly with no snags. The advance gets allowed in only an hour.
  • Fewer Documents: The documentation movement is consistent here; fewer archives are essential for the gold advance in State Bank of Patiala.
  • Transparent System: State Bank of Patiala proposition wide straightforwardness to their customer; and that is, there are no unidentified charges.
  • Amount of Loan: The base measure of credit that State Bank of Patiala can give to their customer is Rs. 15,000. What’s more, in country areas, it very well maybe not as much as Rs 10,000.
  • Protection of Jewelry: One significant thing to note is that the Bank takes the entire responsibility for the assurance of your gold. After that, they kept the gold in flame-resistant wellbeing.
  • Loan Tenure: The period of the Gold credit in State Bank of Patiala can be from 3 months to 2 years. Subsequently, you can pick your extravagance as needs are.
  • Profits for Ranchers: State Bank of Patiala offers some various arrangements for agricultural purposes. State Bank of Patiala offers an unimportant Gold Loan financing cost for agronomic purposes.
  • No Debt Issue: There can be a situation like in which if a candidate can’t reimburse the measure of advance, in that occurrence the candidate won’t be under any obligations as the Bank will hold onto the candidate’s adornments.
  • No Income fringes: There are no limitations on the payor pay of the candidate; from now on, anybody with any pay range can apply for a gold credit in State Bank of Patiala.

How Much Gold Loan can I Get through State Bank of Patiala Gold Loan?

State Bank of Patiala 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

 

State Bank of Patiala Gold Loan Eligibility

Age

18-70 years of age

Nationality

Indian

Employment Status

Salaried, Self-Employed

Gold Quality

Minimum 18 Carats

 

State Bank of Patiala Gold Loan 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)

 

State Bank of Patiala Gold Loan Interest Rate, Fees and Charges

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 State Bank of Patiala Gold Loan

Life is loaded with stresses and fears. Along these lines, you may require money to battle with monetary issues throughout your life. You can get a Gold Loan from State Bank of Patiala to battle with the financial crisis. A gold credit is a sheltered advance. After, the individuals with diminished CIBIL score can likewise apply for this administration.

Nonetheless, there is a ton of monetary Banking and non-Banking associations that may furnish you with the gold credit. However, Gold Loan is considered the best. State Bank of Patiala appeared in 1917. It is one of the most beguiling and relentless Banks in India. Likewise, it is known for its definite monetary highlights. Here the exchanges are exceptionally sheltered.

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

Types of State Bank of Patiala Gold Loan

State Bank of Patiala offers a few plans associated with the Gold Loan thing which are recorded underneath:

  • Loan Against Gold – State Bank of Patiala offers Gold Loan at intriguing advances are imperative to fulfil anyone’s basic need of benefits in any way, shape or form whether individual or expert. The gold credit is ensured about the sort of advances, and afterwards, the Bank has no peril in giving the total to the candidate, so it is given at a more slow advance of best when related with various kinds of Loan things.
  • Loan Against Gold for the Farming business – State Bank of Patiala offers Gold Loans obviously to cultivating industry purposes to farmers at an uncommon advance of premium when associated with gold advances given for various prospects. They are given various offers, and at the hour of taking the credit, you need to give the Bank your Property proof

State Bank of Patiala 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 State Bank of Patiala Gold Loan EMI?

  • Standing Instruction (SI): If you are a recent record holder with State Bank of Patiala, Standing Instruction is an incredibly trustworthy technique to pay. Your EMI sum will be attributed intelligently while in transit to the month’s conclusion to the month time span from State Bank of Patiala account you show.
  • Electronic Clearing Service (ECS): The program can be valuable in the occurrence that you have a non – State Bank of Patiala and may require your EMIs to be charged consequently near the most noteworthy restriction of the month to month cycle from this record.
  • Post-Dated Checks (PDC): You can introduce post-dated EMI examinations from a non-State Bank of Patiala account at your closest State Bank of Patiala Loan Center. Another strategy for PDCs ought to be available in an exact manner. It will be extraordinary in the indication that you note Post Dated Checks will be gathered non-ECS states generally.

State Bank of Patiala Gold Loan Contact Number

Call 9878981144 get fast assistance and understanding for your State Bank of Patiala Gold Loan. You would now be able to know the top-notch proposition on Gold Loan realistic from all State Bank of Patiala Branches in everywhere on the nation to pick up the top arrangement connected by your prerequisites.

Gold Ornaments Accepted by State Bank of Patiala

  • Gold Jewelry – Gold Bangles, Gold rings, Gold anklets, Gold neckbands, and so on these are suitable by State Bank of Patiala to take a Gold Loan.
  • Quality – The nature of gold must be in the middle of 18 Carat to 22 Carat. Any gold adornment, which is 24 Carat, can’t be utilized to take a gold advance.

Use of State Bank of Patiala Gold Loan

The advantages stable by profiting State Bank of Patiala Gold Loan office which can be utilized for copious purposes like:

  • To support any exact crowds like marriage, climbing, the portion of advanced education costs, and so forth.
  • For all your promoting necessities, for example, acquiring new flexibly, creating showcasing, and so forth., credit office is open.
  • You can likewise apply for Gold Loan for agrarian thoughts. The Bank gives minor charges of enthusiasm for Gold Loans that are utilized for farming or related plans.

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 State Bank of Patiala Gold Loan

  • What is State Bank of Patiala Gold Loan?

State Bank of Patiala Gold Loan is a credit framework that you can apply for earnest budgetary assistance by keeping your gold as security with the Bank. Additionally, it accompanies extraordinary financing costs on Term Loan, Overdraft, and EMI based credit. Standard Gold Loan payment time at State Bank of Patiala is only 45 minutes.

  • How can I get the Gold Loan from State Bank of Patiala?

You can smoothly get the State Bank of Patiala Gold Loan by visiting any of the gold advance contribution parts of State Bank of Patiala, or you can apply online with Loannow by merely sitting at your home and get the best arrangements and proposition. State Bank of Patiala is one of the significant Banks in India that offers Gold Loan highlights.

  • What is Gold Loan Interest Rate in State Bank of Patiala?

The financing cost for the Gold Loan in State Bank of Patiala is 7.25% per annum. The pace of premium is dependent upon a few components, to be specific: advance sum, credit time-frames, immaculateness of gold, and meaning with State Bank of Patiala.

  • How much Gold Loan can I get per gram in State Bank of Patiala?

The per gram Gold Loan in State Bank of Patiala that you can get relies upon the virtue of your gold. State Bank of Patiala chose to take the gold of virtue between 18 carats to 22 carats to offer a Gold Loan. You can benefit up to ₹ 5,219 Per Gram in State Bank of Patiala Gold Loan.

  • How to check Gold Loan status in State Bank of Patiala?

To check your State Bank of Patiala Gold Loan status all, you have to do is, visit the State Bank of Patiala Loan Status Tracker page and fill your subtleties in the structure given there. You can follow the status ingeniously of your credit from habitation and stay refreshed.

  • How to calculate Gold Loan Interest in State Bank of Patiala?

You can ascertain the interest on your State Bank of Patiala Gold Loan utilizing Loannow EMI Calculator which gives you secured sums dependent on the information you go into the adding machine.

  • How to Pay State Bank of Patiala Gold Loan Interest Online?

You can pay State Bank of Patiala Loan premium online through net Banking on the authority State Bank of Patiala credit remuneration page. The consequences will be severe, and you can likewise discount your State Bank of Patiala Gold Loan on Paytm utilizing your chose instalment measure.

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

If you don’t pay your Gold Loan for a very long time, initially, the Bank will help you to remember your due instalments. What’s more, from that point forward, If the instalment demands go ignored an embraced legitimate notification is sent requesting the payment to complete of the advance. Non-instalment on your Gold Loan will prompt a lessening of your credit rating and makes you legitimately responsible for confronting lawful activities by the Bank just as seizure and closeout of your gold.

  • How can I apply for EMI Moratorium on State Bank of Patiala Gold Loan?

You can apply for an EMI Moratorium on State Bank of Patiala Gold Loan now between first March and 31st August 2020 and must be finished by conveying the Bank’s client care or by visiting the closest State Bank of Patiala office.