How to Take Bandhan Bank Gold Loan: Apply Online, Eligibility, Interest Rate

How to Take Bandhan Bank Gold Loan: Apply Online, Eligibility, Interest Rate

Bandhan Bank Gold Loan is one of the safest category of loan, because there is no risk of losing money here, if you want to take a loan for any business, emergency, or other personal needs, then Bandhan Bank One can opt for Gold Loan through this, which is available with low interest rate, maximum tenure, security as compared to other loans. You can activate Bandhan bank Gold Loan sitting at home through online process.

If you want to take Bandhan bank gold loan, then you are reading the right post, in this post we will tell how you can take Bandhan bank gold loan; What are the terms and conditions for the loan, what documents will be required to take the loan, apart from this, here you will provide information related to Bandhan Bank Gold Loan.

How to Get Bandhan Bank Gold Loan

To avail Bandhan Bank Gold Loan, take the gold articles and address proof, identity proof to your nearest bank branch, give the jewelry to the bank officer for verification, wait till the loan is approved, as soon as the loan is approved So the bank sends money to your account or can give it in cheque.

What is Bandhan Bank Gold Loans

Bandhan Bank is a finance sector bank in India. This bank provides other services like account opening, home loan, gold loan etc. to its customers.

In times of trouble, you can take an instant gold loan from Bandhan Bank by keeping your gold jewelery like bracelets, necklaces, rings, watches etc. safely with the bank.

Bandhan Bank Gold Loan Details

Some important information about Bandhan Bank Gold Loans is mentioned in the table below.

Loan Name Bandhan Bank Gold Loan
Loan Type Instant Gold Loan
Who Can Apply Student, Housewife, Salaried Any Indian Person Etc.
Age Limit
  •  Minimum – 18 years
  • Maximum – 70 years
Credit Limit 10000 Stars
Interest Rate 10.99%  % to 18.00% Annual
Help Line Number 18002588181
Official Website https://bandhanbank.com/

How to take Bandhan Bank Gold Loan?

There are many ways to take a gold loan from Bandhan Bank, through which you can get a loan against your gold sitting at home. To take this loan, you just have to follows some step.

By Visiting the Bank Branch:

The easiest and simplest way from Bandhan Bank is to go to your nearest bank branch, verify your jewelry and documents, wait for the loan approval, talk to the bank official to know any kind of information. Receive money in your account after loan approval.

By Calling Customer Care:

To get a gold loan from Bandhan Bank, you can take the goal by calling on 18002588181, where you will have to enter some of your personal details, then you can apply for the loan.

This loan can be taken by any individual (single or jointly) above 18 years of age who have any source of income. Apart from this, he should have gold ornaments or gold items. You can apply for this loan from your mobile sitting.

Bandhan Bank Official Website:

Step 1. First of all open the official website of Bandhan Bank on Google.

Step 2. Here you have to select the Gold Loan option.

Step 3. Now you have to enter your Name, Email ID, Mobile no., Pin code, City, etc. information.

Step 4. After that submit the application form.

Step 5. Now you get the option of Thank You, as shown in the screenshot.

Step 5. Now you will get a call from Bandhan Bank for Loan Confirmation, where the bank officials can ask about the address to verify the gold.

Step6. After this, go to the bank to verify your jewelry, after the verification is complete, you will get the gold loan in your bank account.

Note: According to the Reserve Bank of India, do not share OTP, CVV No, Debit Card details with anyone, the bank does not allow it. If there is any fraud with you by sharing any kind of information, you yourself will be responsible for it.

Documents Required to Take Bandhan Bank Gold Loan

The following documents are required to apply for Bandhan Bank Gold Loans.

  • Address Proof: Aadhar Card, PAN Card, Ration Card etc.
  • Identity Proof: Voter Card, Aadhar Card, Driving License, Passport etc.
  • PAN (Permanent Account Number) card (with any of the above documents) or Form 60
  • Two passport photos

Terms and Conditions / Eligibility for taking Bandhan Bank Gold Loan

  1. Applicant’s age should be between 18-70 years. Therefore, any applicant who is less than 18 years or more than 70 years, then Gold Loan will not be given.
  2. Most importantly, the applicant should have and own gold ornaments.
  3. Equally important are the weight and quality of gold. As a result, the weight of the gold should be at least 10 grams, and the purity should be between 18 karat and 22 carat.
  4. The bank is not worried about your employment or not, everyone can apply for this loan.
    Applicant should be an Indian citizen.
  5. Address proof, KYC document, mobile number, and identity proof are also necessary to take a loan.

How Much Gold Loans Can I Take from Bandhan Bank?

Loan can be taken from Bandhan Bank on the basis of gold ornaments or items made of gold. Bandhan Bank gives gold loan according to the current gold price, where you can take an instant loan of minimum ₹ 10,000 and maximum up to 10 lakh rupees. The bank provides the loan amount as per the 80% value of the gold.

Fees And Charges

Minimum Interest Rate 10.99%
Maximum Interest 18.00%
Mean Interest Rate 16.34%
Processing fee 1% of loan amount plus GST as applicable

Bandhan Bank Gold Loan Submission Deadline

Bandhan Banks Gold Loan can be taken for a maximum tenure of 36 months and for a minimum tenure of 3 months. According to the guidelines of RBI, you have to deposit this loan at an interval of 12 months.

It is a secured loan where you have to mortgage your gold jewelry or gold articles with the bank, you can apply for gold loan again after repaying the loan on time.

Features of Bandhan Bank Gold Loans

  1. You can apply for the loan from the official website sitting at home.
  2. Gold loan is available with minimum documentation.
  3. Credit score is not required
  4. Instant loan approval facility is available.
  5. Customer support is available 24 hours a day.
  6. Live chat facility is also available for loan information.
  7. There are more than 400 branches in India from where the loan can be applied.
  8. The confirmation for loan eligibility comes within 45 minutes.
  9. Gold loan amount starts from ₹ 10000.
  10. Locker facility is also available along with special tamper proof bag to keep your gold safe.

Bandhan Bank Gold Loans Customer care

  • Toll-Free: 1800-258-8181
  • Customer Care Number: 033-4409-9090
  • Banking Support: 033-6633-3333
  • Head Office: 033-6609-0909
  • Email: [email protected] com
  • Online Form for Registering Complaint: Bandhan Bank Online Complaint Form

Bandhan Bank Gold Loans Review

Bandhan Bank is a secured public sector bank, this bank provides you the facility of giving gold loan sitting at home, it gives you instant loan as compared to other banks, apart from this you do not need any guarantor security to take gold loan.

Conclusion

I hope today’s article was helpful for you in which we have provided you information about Gold Loans from Bandhan Bank. Like how to apply, documents required, terms and conditions, fees and charges etc.

If you still have any question or suggestion related to Bandhan Bank Gold Loans Apply, you can comment in the comment box below, we will definitely reply, for more information you can follow us on social media platform.

Bandhan Bank Gold Loans FAQs

Q1. How long does it take to process a gold loan?

Ans. Gold Loan The Gold Loan is disbursed within 1 hour. However, this is subject to verification of the gold and other documents submitted by you. Approval depends on the bank.

Q2. Who can apply for Bandhan Bank Gold Loans?

Ans. Gold loan can be taken by every citizen of India who is above 18 years of age and has any source of income, then can apply for the loan.

Students, housewives, job seekers, self-employed, etc. can take gold loan for gold loan.

Note: If you are in dire need of money then apply for gold loan, before taking the loan also think about depositing the loan, because if you do not deposit the loan on time, the bank will have legal form on your gold items.

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