Kerala State Co-operative Bank Gold Loan

Gold Loan at 7.15% p.a

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Kerala State Co-operative Bank Gold Loan Key Features – Apply Now!

Kerala State Co-operative Bank Gold Loan Interest Rate 7.15% per annum
Kerala State Co-operative Bank Gold Loan Per Gram Rate Per Gram Today is ₹ 5,293
Kerala State Co-operative Bank Gold Loan Amount Up to Rs. 1 Crore (With Income Proof)
Kerala State Co-operative Bank Gold Loan Processing Fee 1.50% of the Principal Loan Amount
Kerala State Co-operative Bank Gold Loan Prepayment Charges 2%+GST (Within 3 Months), 0 (After 3 months)
Kerala State Co-operative Bank Gold Loan Repayment Tenure 3 Months to 24 Months
Kerala State Co-operative Bank Gold Loan Repayment Scheme Bullet Payment Scheme, Overdraft Scheme

Advantages of Kerala State Co-operative Bank Gold Loan

  • Traditional method: you can take a Gold loan from Kerala State Co-operative Bank in reality and speedily with none hurdles. The loan gets established in just 60 minutes.
  • Fewer files: The documentation procedure is consistent right here; fewer files are crucial for the gold mortgage in Kerala State Co-operative Bank.
  • Obvious machine: Kerala State Co-operative Bank proposes broad transparency to their client; and this is, there are not any unidentified fees.
  • Quantity of mortgage: The least quantity of mortgage that Kerala State Co-operative Bank can offer to their consumer is Rs. 15,000. And, in rural parts, it could be less than Rs 10,000.
  • Safety of jewellery: One essential aspect to notice is that the bank takes the complete trepidation for the safety of your gold. After this, they saved the gold in fireplace-evidence safety.
  • Loan Tenancy: The time-period of the Gold mortgage in Kerala State Co-operative Bank can be from 3 months to two years. After this, you could select your luxurious consequently.
  • Earnings for Agriculturalists: Kerala State Co-operative Bank gives a few one-of-a-kinds offers for farming functions. Kerala State Co-operative Bank gives a minor Gold mortgage hobby price for agronomic functions.
  • No Debt issue: There may be a hard and fast of situations like in which if an applicant isn’t always capable of repaying the quantity of loan. In that example, the applicant will not be below any money owed as the bank will best take keep of the applicant’s embellishes.
  • No income margins: There aren’t any limitations at the profits or earnings of the applicant; henceforward, all people with any salary variety can practice for a gold loan in Kerala State Co-operative Bank

How Much Gold Loan can I Get through Kerala State Co-operative Bank Gold Loan

Kerala State Co-operative 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

 

Kerala State Co-operative Bank Gold Loan Eligibility

Age

18-70 years of age

Nationality

Indian

Employment Status

Salaried, Self-Employed

Gold Quality

Minimum 18 Carats

 

Kerala State Co-operative Bank 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)

 

Kerala State Co-operative Bank 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 Kerala State Co-operative Bank Gold Loan

Life is full of fear and anxiety. Therefore, you may need cash to fight financial problems in your life. In this case, you can fight the emergency from the Kerala State Co-operative Bank gold loans and the economy. Gold loan is a secured loan. After that, to shorten the CIBIL score, people can easily apply for this service.

However, there are a lot of banks, and non-bank economic organizations can provide you with a loan of gold, but the loan is considered to be the most significant gold. Kerala State Co-operative Bank came into existence in 1915, and it is one of India’s most significant ongoing and banks. Besides, with its strong financial capabilities. Here’s the deal are very safe.

  • Kerala State Co-operative Bank Gold Loan Interest Rate is 7.15% per annum
  • Kerala State Co-operative Bank Gold Loan Per Gram is ₹ 5,293
  • Kerala State Co-operative Bank Gold Loan Tenure: Up to 24 months
  • Kerala State Co-operative Bank Gold Loan Processing Fee is Up to 1.50% of the principal Loan Amount + GST

Types of Kerala State Co-operative Bank Gold Loan

Kerala State Co-operative Bank provides several programs related to the gold loan projects, which are listed below:

  • Loan against gold – Kerala State Co-operative Bank to lend gold in those essential assets of any person to meet the urgent need for an exciting step for any reason, whether it is personal or professional. Gold credit made sure that the type of loan, then the bank to all applicants, it is at the time of the slowest step, giving associated with different types of loan programs no danger.
  • Loan against gold is agriculture – when the Travancore State Bank is related to the feasibility of different gold loans given to gold loans, in a rare step for the breeding of interest to farmers. They are given different offers, and while taking a loan, you have to give proof of real estate banks.

Kerala State Co-operative 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 Kerala State Co-operative Bank Gold Loan EMI?

  • Standing Instruction (SI): If you are the Kerala State Co-operative Bank recent account holders, indicating a very reliable routine procedure in payment of wages. All your EMI will naturally be credited at the end of the month in the middle of the time frame you tell from the Kerala State Co-operative Bank account.
  • Electronic Clearing Services (ECS): The program can be useful if you have a non – Kerala State Co-operative Bank, and may need your education management information system to record so close to a month from the limit fee month cycle.
  • Post-dated checks (PDC): You can make from non-Kerala State Co-operative Bank account promissory notes EMI survey at a Kerala State Co-operative Bank loan centre of your nearest Kerala State Co-operative Bank. Another way to access the PDC should be carried out in a precise manner. It will be great in the event you pay attention to non-ECS states generally speaking post-dated checks will be collected.

Kerala State Co-operative Bank Gold Loan Contact Number

Call 9878981144 and get quick help and understanding for your Kerala State Co-operative Bank Gold Loan. You would now be able to know the top-notch recommendations on Gold Loan accessible from all the Kerala State Co-operative Bank Branches in everywhere in India to pick up the top arrangement corresponded by your necessities.

Gold Ornaments Accepted by Kerala State Co-operative Bank

  • Gold Jewelry – Gold Bangles, Gold rings, Gold anklets, Gold accessories, and so on these are allowed by the Kerala State Co-operative Bank for profiting a Gold Loan.
  • Nature of Gold – The nature of gold must be in the middle of 18 Carat to 22 Carat. Any gold gems which are 24 Carat, can’t be utilized for benefiting a gold credit.

Use of Kerala State Co-operative Bank Gold Loan

The advantages stable by benefiting the Kerala State Co-operative Bank Gold Loan office which can be utilized for bountiful purposes like:

  • To support any exact accumulates, for example, a wedding, climbing, portion of advanced education use, and so on.
  • For all your advertising necessities, for example, acquiring new flexibly, creating showcasing, and so on, the advance office is reachable.
  • You can likewise apply for Gold Loan for cultivating thoughts. The bank gives minor charges of enthusiasm for Gold Loans that are utilized for horticulture or related plans.

Gold Loan Interest Rate of Major Banks

Bank

 Interest Rates

HDFC Bank Gold Loan

7.15% – 14.50%

ICICI Gold Loan

7.15% – 16.10%
Muthoot Finance Gold Loan

7.15% – 24.00%

Axis Bank Gold Loan

7.15% – 17.00%
Manappuram Gold Loan

7.15% – 26.00%

Yes Bank Gold Loan

7.15% – 15.99%
Bank of India Gold Loan

7.15% – 26.00%

Federal Bank Gold Loan 

7.15% – 13.50%
IIFL Gold Loan

7.15% – 12.00%

Central Bank of India Gold Loan

7.15% – 14.65%

Canara Bank Gold Loan

7.15% – 12.65%

Allahabad Bank Gold Loan

7.15% – 10.45%

Induslnd Bank Gold Loan

7.15% – 15.75%
PNB Gold Loan

7.15% – 11.75%

Bajaj Finance Gold Loan

7.15% – 26%
SBI Gold Loan

7.15% – 15.99%

Indian Bank Gold Loan

7.15% – 15.99%
UCO Bank Gold Loan

7.15% – 26.00%

Kotak Mahindra Bank Gold Loan

7.15% – 13.50%
Syndicate Bank Gold Loan

7.15% – 12.00%

 

FAQs About Kerala State Co-operative Bank Gold Loan

  • What is Kerala State Co-operative Bank Gold Loan?

Kerala State Co-operative Bank Gold Loan is a credit framework that you can apply for earnest money related assistance by keeping your gold as well being with the bank. It accompanies excellent financing costs on Term Loan, Overdraft, and EMI based advance. Standard Gold Loan dispensing time at Kerala State Co-operative Bank is only 45 minutes.

  • How can I get the Gold Loan from Kerala State Co-operative Bank?

You can quickly get the Kerala State Co-operative Bank Gold Loan by visiting any of the gold advance contribution parts of Kerala State Co-operative Bank, or you can apply online with BestloanDeals by sitting at your home and get the best arrangements and offers. Kerala State Co-operative Bank is one of the prime banks in India that offers Gold Loan highlights.

  • What is Gold Loan Interest Rate in Kerala State Co-operative Bank?

The Gold Loan financing cost in the Kerala State Co-operative Bank is 7.15% per annum. The pace of premium is dependent upon certain elements, specifically: credit sum, advance time-frames, the virtue of gold, and relationship with Kerala State Co-operative Bank.

  • How much Gold Loan can I get per gram in Kerala State Co-operative Bank?

The per gram Gold Loan in Kerala State Co-operative Bank that you can get relies upon the virtue of your gold. Kerala State Co-operative Bank chose to take the gold of immaculateness between 18 carats to 22 carats to offer a Gold Loan. You can profit up to ₹ 5,293 Per Gram in Kerala State Co-operative Bank Gold Loan.

  • How to check Gold Loan status in Kerala State Co-operative Bank?

To check your Kerala State Co-operative Bank Gold Loan status all, you need to do is, visit the Kerala State Co-operative Bank Loan Status Tracker web page and fill your details in the form given there. You can track the status efficiently of your loan from residence and stay updated.

  • How to calculate Gold Loan Interest in Kerala State Co-operative Bank?

You can ascertain the interest on your Kerala State Co-operative Bank Gold Loan utilizing BestloanDeals EMI Calculator which gives you secured sums dependent on the data you put into the calculator.

  • How to Pay Kerala State Co-operative Bank Gold Loan Interest Online?

You can pay Kerala State Co-operative Bank Loan premium online through net putting money on the official Kerala State Co-operative Bank advance pay website page. Or there will be outcomes, and you can likewise discount your Kerala State Co-operative Bank Gold Loan on Paytm utilizing your chose instalment measure.

  • What if I can’t pay the interest on Kerala State Co-operative Bank Gold Loan for 3 months?

By chance, if you don’t pay your Gold Loan for a very long time, right off the bat, the bank will help you to remember your lacking instalments. What’s more, from that point forward, If the instalment demands go disregarded and embraced legal notification is sent requesting the remuneration to complete of the loan. Non-instalment on your Gold Loan will prompt a diminishing in your credit rating and makes you legitimately responsible for confronting lawful activities by the bank just as repossession and closeout of your gold.

  • How can I apply for EMI Moratorium on Kerala State Co-operative Bank Gold Loan?

You can apply now for an EMI Moratorium on Kerala State Co-operative Bank Gold Loan between first March and 31st August 2020 and must be finished by imparting the bank’s client care or by visiting the closest Kerala State Co-operative Bank branch.