SBI Gold Loan Interest Rates 2024 – EMI Calculator
एसबीआई गोल्ड लोन– Flexible Schemes of Gold Loans / Loans against Ornaments. Upto 20 Lakh of Loan amount at 8.55% rate of interest. per gram rates and new schemes of SBI. Bank’s existing customers can avail the loan upto Rs.50 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 8.00% 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 50 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।
SBI Gold Loan Details/ एसबीआई गोल्ड लोन का विवरण
| Interest Rates | 8.70% – 9.50% |
| Processing Fees | Upto 0.25% + GST |
| Loan Tenure | 3 Year |
| Min. loan amount | ₹ 20000/- |
| Maximum loan amount | ₹ 50 lakh |
| Prepayment Charges | Nil / Zero |
SBI Gold Loan Interest Rates 2024 / एसबीआई गोल्ड लोन ब्याज दरें
SBI Gold Loan Interest Rates 2024
| Scheme | 1 year MCLR | Spread over 1 year MCLR | Effective Interest Rate | |
|---|---|---|---|---|
| Gold Loan EMI based | 8.55% | 0.95% | 9.50% | |
| 12 Months Bullet Repayment Gold Loan | 8.55% | 0.20% | 8.75% | |
| Scheme | Three Month MCLR | Spread over 3 Month MCLR | Effective Interest Rate | |
|---|---|---|---|---|
| 3 Months Bullet Repayment Gold Loan | 8.15% | 0.55% | 8.70% | |
| Scheme | Six Month MCLR | Spread over 6 Month MCLR | Effective Interest Rate | |
| 6 Months Bullet Repayment Gold Loan | 8.45% | 0.25% | 8.70% | |
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
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.
How to Apply for the State Bank of India Gold Loan Schemes
On the website, you can apply for a gold loan from SBI Bank. Simply follow the instructions listed below, and we’ll make sure that you receive your gold loan promptly and without any problems.
Step 1: To access the application form, click here.
Step 2: Enter the necessary information, such as the desired loan amount, your name, phone number, and PIN code.
Step 3: Select Continue.
Step 4: To finish the application procedure, adhere to the on-screen directions.
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.
