SBI Gold Loan Interest Rates Apr 2020 – EMI Calculator एसबीआई गोल्ड लोन

SBI Gold Loan– Flexible Schemes of Gold Loans / Loans against Ornaments. Upto 20 Lakh of Loan amount at 8.40% rate of interest. per gram rates and new schemes of SBI. Bank’s existing customers can avail the loan upto Rs.20 lacs by pledge of gold ornaments including gold coins sold by Banks. It requires minimum paper work and has low interest rate.

SBI Gold Loan in hindi – एसबीआई गोल्ड लोन हिंदी में आभूषणों के खिलाफ गोल्ड लोन / ऋण की लचीली योजनाएं। ब्याज की 20 लाख तक की ऋण राशि 8.75% ब्याज दर पर। प्रति ग्राम दरें और एसबीआई की नई योजनाएं। बैंक के मौजूदा ग्राहक बैंकों द्वारा बेचे गए सोने के सिक्कों सहित स्वर्ण आभूषणों की प्रतिज्ञा करके 20 लाख रुपये तक के ऋण का लाभ उठा सकते हैं। इसके लिए न्यूनतम कागजी काम करना पड़ता है और इसमें ब्याज दर कम होती है।

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SBI Gold Loan Details/ एसबीआई गोल्ड लोन का विवरण

Interest Rates 8.40% – 9.15%
Processing Fees 0.50% of the Loan amount + applicable GST, minimum Rs.500/-+ applicable GST
Loan Tenure 2.5 Year
Min. loan amount ₹ 10000/-
Maximum loan amount ₹ 20 lakh
Prepayment Charges Nil / Zero

SBI Gold Loan Interest Rates 2020 / एसबीआई गोल्ड लोन ब्याज दरें

  • Loan amount upto 3 lakhs = 8.75%
  • Loan amount above 3 lakhs & upto 5 lakhs = 8.85%
  • Loan amount above 5 lakhs = 9.15%
  • Realty Gold Loan- A Gold Loan Product exclusively for SBI Housing Loan Customers (all variants) = 8.40%

Compare All Banks Gold Loan Interest Rates Here

SBI is India’s largest lender and ranked among the leading banks in the country. It offers various loans to it’s customers for meeting their different financial needs. SBI’s Gold Loan is flexible loan scheme of Gold Loan/Loan against Ornaments. The loan amount range between Rs. 10,000 to Rs. 20 Lakh. It charges interest rate of 12.50%. Bank’s existing customers can avail a loan upto Rs. 20 Lakhs by pledge of gold ornaments including gold coins sold by Banks. To avail a gold loan you are required to complete minimal paper work.

SBI Gold Loan EMI Calculator

Calculate Loans EMI Online

Loan Amount
Interest Rate (Reducing) % Per Annum
Loan Tenure (in Months)
 
Monthly EMI
Total Amount with Interest
Total Interest Amount
Yearly Interest Amount

Example: Below mentioned example for 1 lakh of Gold loan amount.

Particulars 1 Year 2 Year 3 Year
Interest Rates 11.05% 8860 4663 3276
Interest Pay 6086 11915 17945
Total Amount 106086 111915 117945

SBI Gold Loan Eligibility Criteria

Age : 21 years and above
Profession : Anybody with Steady source of income including : Bank’s Employees, Pensioners

LOAN AMOUNT
MINIMUM :
Rural/Semi Urban : ₹ 10,000/-
Urban/Metros : ₹ 20,000/-
MAXIMUM : ₹ 20 lakh
 
Repayment Period
1. 36 months Maximum
2. It also depends upon the EMIs and amount he/she wants to borrow with tenure opted by customer.
 
SBI Gold Loan Documents Required List
D P Note and D P Note Take Delivery Letter
Application for Gold Loans (as per specified format)
Two copies of photograph of the borrower(s)
Gold Ornaments Take Delivery Letter (as per specified format)
Witness Letter in case of illiterate borrowers (as per specified format)
Arrangement Letter (as per specified format)
 
SECURITY: Security of gold ornaments.
 
PROCESSING FEES / Per Gram Price
(a) For BIS Hallmarked Jewellery/ Ornaments and specially minted Gold Coins sold by Banks : 0.51% of the Loan Amount

(Min: Rs 256 ; Max: Rs511)

(b) For Non Hallmarked Jewellery/ Ornaments
(a)Up to Rs 25000: Rs256 per application;
(b)Above Rs 25000: 0.51% of the Loan amount or Rs.511 whichever is higher.

 

About SBI

State Bank of India has an extensive administrative structure to oversee the large network of branches in India and abroad. The Corporate Centre is in Mumbai and 14 Local Head Offices and 57 Zonal Offices are located at important cities spread throughout the country. With a base of 27000+ branches SBI is accessible from most of the places in India.

Related Keywords for SBI Gold Loan

सबी गोल्ड लोन हेल्पलाइन नंबर

Other Products of State Bank of India:

SBI Home Loan
SBI Personal Loan
SBI Credit Card
SBI Business Loan
SBI Property Loan
SBI Two Wheeler Loan
SBI Education Loan
SBI Car Loan
SBI FD Interest Rates

Source: State Bank of India Website.