Gold Loan Delhi

Gold Loan @ 7%

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Gold Loan Delhi Feature

Loan Amount Up to Rs. 1 Crore (With Income Proof)
Gold Loan Interest Rate 7.0% per annum
Gold Loan Per Gram Rate Per Gram Today is ₹ 5,268
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

All about Gold Loan Delhi:

What is Gold Loan?

First of all the loan taken by the borrower in return for money by keeping his gold ornaments as security with the collateral is known as Gold Loan. it is noteworthy that the loan is taken against the pure gold ornaments and loan value is calculated against them only. If the ornaments include the precious stone or something, the value is calculated against the gold value only not the stones included in them. Also, the loan is not provided against Mangalsutra and Diamond jewelry.

Major Gold Loan Providers in Delhi


HDFC Bank ICICI Bank Muthoot Finance

Interest Rate




Min Loan Amt

Metro : 25000, Non : 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%


Preclosure Chgs

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


Pay Only Interest Facility

Yes Yes Yes
Gold Rate Per Gram 2500 2600


Eligibility Gold Loan DelhiGold Loan Delhi

  1. Minimum Age of the Applicant- 21 Years
  2. Maximum Age of the Applicant- 65 Years
  3. Minimum Amount you can take by pledging your Gold Ornaments- INR 25000
  4. The minimum amount of Gold for your Cash disbursal of INR 25000 is 15 gms
  5. The purity of the pledged Gold should be between 18 karats to 24 karat
  6. The gold ornaments against which you are asking for a loan should be owned by the borrower or his/her family members.

Documents Required for Gold Loan

Following Are the Documents required for your Gold Loan Delhi

  1. Identity Proof: Aadhar card/ PAN Card/ Voter ID Card/ Driving License
  2. Address Proof: Aadhar card/ PAN Card/ Voter ID Card/ Driving License/Ration Card
  3. For Rental: Rent Agreement, Utility Bills of last 3 months
  4. For Own Property: Address proof such as Aadhar Card
  5. One copy of Pancard
  6. Passport-sized Colored photographs.

Advantages of taking Gold Loan Delhi:-

  1. First of all Gold Loan Delhi is available online.
  2. After that, the process of application is very easy and simple.
  3. Besides that, the interest rates are quite low because the gold loan is considered as a secured loan.
  4. If you apply through then your documents will be picked up from your doorstep.
  5. The overall process is hassle-free.

Processing & Prepayment Fee on Gold Loan Delhi


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%


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


Manappauram Gold Loan

Nil Nil
PNB Gold Loan 0.70% to 1%


Canara Bank Gold Loan

1% Nil
Andhra Bank Gold Loan Nil


Know about the terms and conditions:

  1. Foreclosure Charges- charges that are to be paid when the loan is closed before the tenure is completed.
  2. Foreclosure charges can be up to 1%. The minimum loan tenure is 6 Months.
  3. So foreclosure charges after 6 months are 0.
  4. Charges for late payment of Loan Amount
  5. 2% p.a. as penal interest over and above the applicable rate of interest.

The loan is available in three schemes

  1. Term Loan
  2. EMI
  3. Overdraft.
  4. A customer is free to choose one according to his/her convenience.

About Delhi

Delhi is the National Capital Territory of Delhi (NCT), are a city and a union territory of India containing New Delhi the capital of India.

Gold Loan Delhi Interest Rate:

  1. The interest rates keep on changing from time to time but usually, it starts at 0.82% per month.

Gold Loan Interest Rate of Major Banks


 Interest Rates

HDFC Bank Gold Loan

7.00% – 14.50%

ICICI Gold Loan

7.00% – 16.10%
Muthoot Finance Gold Loan

7.00% – 24.00%

Axis Bank Gold Loan

7.00% – 17.00%
Manappuram Gold Loan

7.00% – 26.00%

Yes Bank Gold Loan

7.00% – 15.99%
Bank of India Gold Loan

7.00% – 26.00%

Federal Bank Gold Loan 

7.00% – 13.50%
IIFL Gold Loan

7.00% – 12.00%

Central Bank of India Gold Loan

7.00% – 14.65%

Canara Bank Gold Loan

7.00% – 12.65%

Allahabad Bank Gold Loan

7.00% – 10.45%

Induslnd Bank Gold Loan

7.00% – 15.75%
PNB Gold Loan

7.00% – 11.75%

Bajaj Finance Gold Loan

7.00% – 26%
SBI Gold Loan

7.00% – 15.99%

Indian Bank Gold Loan

7.00% – 15.99%
UCO Bank Gold Loan

7.00% – 26.00%

Kotak Mahindra Bank Gold Loan

7.00% – 13.50%
Syndicate Bank Gold Loan

7.00% – 12.00%