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Gold Loan vs Business Loan, Online Gold Loan, Compare Gold Loan Interest Rates, GoldLoanBazaar.com

Gold Loan vs Business Loan

Gold Loan vs Business Loan

 Sr.  Features Gold Loan Personal Loan
1 Interest Rate Gold Loans are offered by Banks/NBFC’s at very Lower and Competitive Interest Rates ranging from 10 % to 14 % depending upon the purpose, duration and amount of Loan Like Interest Rates on Business Loans are much higher. Most Banks and NBFC offers business loans at interest rates ranging from 16 % to 24 % and even above. Unlike
2

Documentation

Simple and Easy Documentation. You just need to provide your address (Aadhar Card/Driving License/Voter Card/Passport etc) and Identity proof(Pan Card, Aadhar Card, Passport etc) for KYC. Like Lengthy and Complex Documentation. Along with your Address Proof and Identity proof, you have to submit Bank statements of previous 6 months, Latest ITR with Computation of Income, Balance sheets, Profit & Loss Account statements certified and Audited by CA, Trade Licenses, Business Existence proof and other related documents. Unlike
3

Disbursement Time

Less Time Consuming Process. Usually, it takes around 30 minutes to an hour to process, sanction and disburse the Loan. Like Very Time Consuming Process as it involves a lot of Documentation. Usually, it takes around 7-15 days and sometimes even more to process sanction and loan disbursement. Unlike
4

Income Proof or ITR

You need not present any sort of ITR or Income proof documents in order to avail a Gold Loan.  Like Income Proof is a must and foremost required in order to proceed with a Business Loan. You must have at least previous 3 years ITR in order to be eligible for a Business Loan. Unlike
5

Guarantor

You need not have to present any guarantor in order to avail a Gold Loan. Like It solely depends upon the Lender, Loan amount, Credit History and Risk profile of the Borrower whether you are required to present a guarantor or not.  Unlike
6

Processing Fees

Very Little or no processing fees is levied by Banks/NBFCs to avail a Gold Loan. Usually, it ranges from NIL to 1 %. Like High processing charges are levied on the Business loan. Usually, it ranges from 1 % to 3 % depending on the Lender. Unlike
7

Pre-Closure Charges

Very less or Nil pre-closure charges are levied by Banks/NBFC for Loan Closure. Like Very high pre-closure charges are involved in Business Loan. Generally, it ranges from 2 % to 5% plus taxes on the outstanding loan amount. It varies from different Lenders or Financial Institutions. Unlike
8

Security

Gold Jewellery is pledged as a security to the Bank/NBFC in order to avail a Gold loan. Neutral There may or may not be any need to pledge a security in order to avail a business loan. It depends upon the Nature of Business, Loan Amount, Credit Worthiness and Risk Profile of the borrower. Neutral
9

Purpose of Use

There is no need to specify details of the purpose of availing a Gold Loan. You can avail a Gold Loan for Home Construction, Higher Education of kids, Medical emergency or any other sort of needs. Like You must have to specify the purpose of availing a Business Loan i.e. for Business Expansion, purchasing new plant/machinery etc and that amount must be used for the same purposes. Unlike

Gold Loan vs Business LoanGoldLoanBazaar.com

List of documents that are required along with your Gold Loan application:

  1. 2 passport size photographs
  2. One Identity and One Address proof such as Driving License, Pan Card or Form 60/61, Passport, Voter ID Card, Aadhar card by UIDAI, Ration card
  3. The borrower must have Proof of land holding for Agriculture loan of more than Rs 1 lakh.

Eligibility Criteria to apply for a Gold Loan:

  1. You must have a valid Address and ID Proof.
  2. You must be a citizen of India.
  3. The purity of gold jewelry to be pledged must be above 18 ct.

List of documents that are required along with your Business Loan application:

  1. PAN Card – For Company/Firm/Individual
  2. A copy of any of the following documents as identity proof:
    • Aadhar Card
    • Passport
    • Voter’s ID Card
    • PAN Card
    • Driving License
  3.  A copy of any of the following documents as address proof:
    • Aadhar Card
    • Passport
    • Voter’s ID Card
    • Driving License
  4. Bank statement of the previous 6 months
  5. Latest ITR along with computation of income, Balance Sheet, and Profit & Loss account for the previous 2 years, after being CA Certified/Audited
  6. Proof of continuation (ITR/Trade license/Establishment/Sales Tax Certificate)
  7. Other Mandatory Documents [Sole Prop. Declaration Or Certified Copy of Partnership Deed, Certified true copy of Memorandum & Articles of Association (certified by Director) & Board resolution (Original)]

Eligibility Criteria to apply for a Business Loan:

  1. Self-employed individuals, Proprietors, Private Ltd. Co. and Partnership Firms involved in the business of Manufacturing, Trading or Services.
  2. The business should have a minimum turnover of Rs. 40 lakhs
  3. Individuals who have been in the current business for a minimum of 3 years, with 5 years total business experience.
  4. Those whose business has been profit making for the previous 2 years
  5. The business should have a Minimal Annual Income (ITR) of Rs. 1.5 lakhs per annum
  6. The applicant should be at least 21 years at the time of applying for the loan and should be no older than 65 years at the time of loan maturity.

On the basis of above comparison, you can easily determine which one is best i.e. Gold Loan vs Business Loan and choose the best that suits your needs.

Apply for Gold Loan Now

 

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Gold Loan vs Personal Loan, Online Gold Loan, Compare Gold Loan Interest Rates, GoldLoanBazaar.com

Gold Loan vs Personal Loan

Gold Loan vs Personal Loan

 Sr.  Features Gold Loan Personal Loan
1 Interest Rate Being Secured Loans, Gold Loans are offered by various Banks/NBFC at very Lower and competitive interest rates usually at 10 % to 14 %. Some NBFC charge even higher. Like Being Unsecured Loans, the interest rate charged is usually high ranging from 14 % to 24 % or even higher. Unlike
2 Time Taken for Loan Sanction and Disbursement It is a very less time-consuming process. Usually, it takes around 30 minutes to an hour to completely process and disburse the loan. Like It is a time-consuming process. It usually takes around 1 day to a few weeks depending on the availability of documents. Unlike
3 Eligibility In order to be eligible for availing a Gold loan, you have to provide your Gold Jewellery (which must be above 18 ct.) and your Address and ID proof. Like Eligibility for the Personal loan is decided on the basis of repayment capacity of the applicant. Salary Proof or Income proof depending upon the type of employment. Unlike
4 Loan Amount Loan amount is decided by the valuer on the basis of quality (above 18 ct.) and quantity (weight in gms.) of Gold ornaments to be pledged in order to avail a loan.  Like Loan amount is decided by the lender on the basis of salary and income of the borrower i.e. its repayment capacity. Unlike
5 Collateral Gold is taken as Collateral by Banks/NBFC in order to provide a loan. Unlike There is no collateral security to be provided by the borrower in order to avail a personal loan.  Like
6 Credit History No Credit History or CIBIL score is required by the borrower in order to avail a Gold loan Like Credit History or CIBIL Score is must for an individual in order to avail a Personal Loan. Unlike
7 Income Proof or ITR No income proof or ITR is required by a borrower in order to avail a Gold Loan. Like Income Proof/ ITR is must and to be presented in order to apply for a Personal loan. Unlike
8 Documentation Very less documentation is required in order to avail a gold loan. You just need to provide a simple address (Aadhar Card/Driving License/Voter Card/Passport etc) and Identity proof(Pan Card, Aadhar Card, Passport etc) for KYC. Like Along with Address proof and Identity proof, the borrower is required to present its Salary proof in case of salaried and Income tax return in case of self-employed business or professional and Bank A/C statement. Apart from this, Good Credit History or CIBIL score is must criterion in order to avail a personal loan. Unlike
9 Loan Tenure Gold Loans are usually Short Term Loans. Generally, you can avail a gold loan for up to 1 year which can be further extended to 3 years depending on your requirement. Unlike Personal Loans are usually for short term and medium term loan. You can choose the tenure as per your requirement. Generally, Loan tenure ranges from 1 year to 7 years. Like
10 Processing Fees Very Little processing fees or charges is levied by the Banks or NBFC for availing a Gold Loan. Generally, it is NIL to 1 %. Like Personal loan indulges high processing fees or charges as compared to a Gold Loan. Generally, it is 1 % to 3 % Unlike
11 Repayment Options Gold Loan provides Flexible Repayment Options. Here, you have the option to pay interest on Monthly, Quarterly, Half yearly or Yearly basis depending upon your Loan plan. You can choose any of the options as per your convenience. Like Personal loan doesn’t provide any flexible repayment options. You have to repay your loan in equal amount or EMI once chosen as per the tenure of the loan. Unlike
12 Prepayment or Foreclosure Charges Gold Loans can be closed at any time with very less or NIL prepayment charges depending upon Banks/NBFC. Generally, it is NIL to 1 %. Like You have to pay higher prepayment or foreclosure charges as compared to Gold Loan. Generally it is 1 % to 5 %. Unlike

 

Gold Loan vs Personal Loan:

Summary: As per the above comparison, 10 out of 12 features clearly states that Gold Loan is highly preferable and most Liked Loan option as compared to above Personal Loan. Therefore, a Wise Person must always compare different Loan options before making a Final Decision.

Gold Loan vs Personal Loan: Which one to Choose?

After analyzing features of both Gold Loan vs Personal Loan, it is clearly understood that:

  • Gold Loans are way better in terms of ease of availability, lower interest rates, fast processing with minimal documentation.
  • Even an unemployed person who isn’t eligible for a personal loan can avail a Gold Loan.
  • Concessional Interest rates are offered by the Banks for Gold Loan taken for Agricultural purposes or availed by a woman.
  • Most beneficial for meeting short-term expenses or unforeseen emergencies.
  • Banks also offer overdraft facility against Gold to Businessman to meet the short-term working capital requirement of Businesses.
  • Gold Pledged in Banks is fully insured of any Thefts, fire etc.

Click here to Apply for Online Gold Loan now.

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Compare Gold Loan Interest rates, Apply Gold Loan Online, Gold Loan Bazaar

Why Gold Loan is getting very popular and its demand Growing Fast in India ?

Gold Loans in India are getting very popular and its demand is growing day by day at a very fast pace. This is only because of the key feature they offer like Low-Interest Rate, Instant Finance and Convenience associated with it. No one has to sell its gold jewellery now for liquidity, one can easily do so by pledging their gold ornaments to avail Loan.

Gold Loans in India are gaining popularity mainly because of:

  • Lower Interest Rate:

Being a Collateral/Secured Loan, One of the main and supreme advantages of Gold Loan is that these are offered at very Lowest Interest Rates. As the risk factor assumed by the lender is less, the benefit for such is passed on to the borrower by the lender. Thus, Banks and NBFC provides Gold Loans at Cheaper Interest rates. Normally Gold loans are provided at  10 – 16 % per annum which is very low as compared to Personal Loans which are normally available at 15 – 28 % per annum. Bank also offers Concessional Interest Rates for loans obtained for Agriculture purposes and gold loans availed by women.

  • Less Documentation:

Unlike other unsecured loans like personal loan, gold loans do not require a lot of documents. You can avail Gold Loans with very Minimum documentation. A Valid Address and Identity proof and passport size photographs are just enough in order to obtain a Gold Loan. The ID and Address proof documents include Ration Card, Voter ID card, Driving License, Passport or Aadhar Card among others. There is no need to present Gold Ornaments Purchase Bill or proof of ownership of Gold ornaments. But the borrower must keep in mind that pledging Stolen/Theft Jewellery to obtain a loan is a punishable offense under IPC and engaging in such activities can end you up in Jail.

  • No Income Proof Required:

Bank / NBFC doesn’t demand ITR or Income certificate showing your Income or salary to avail a Gold Loan. Most of the Banks/NBFC doesn’t require or checks the Credit history of the Borrower. Even an unemployed individual or person having no or poor credit history can avail Gold Loan.

  • Flexible Loan Duration and Easy Repayment Options:

Gold loans are the most flexible loans among both secured and unsecured loan categories like Home Loan, Personal Loan, Small Business Loans etc. Most of the Banks/NBFC offer flexible loan duration’s ranging from 7 days and up to 48 months. This allows and entitles the borrower to repay the loan as per his/her own convenience. Unlike other loans, Banks /NBFC charges very less to no penalty or charges for prepayment or foreclosure of your Loan.

  • No Guarantor or Co applicant Required:

Unlike other Loans, be it secured or unsecured like a small business loan or personal loan, you are not required to present any Guarantor or Co-Applicant in order to avail the Gold loan. You can just visit the bank carrying your Gold ornaments against which you require a loan, your address and identity proofs. Authorized Valuer or Appraiser appointed by the lender will evaluate the purity of your Gold ornaments and will sanction and disburse loan immediately on its basis.

  • Instant Liquidity and Quicker Processing:

Gold loan gives an opportunity for people to liquefy their Gold Jewellery and use it for financing purposes. If you require money for Kids Education or Medical Emergency or Business operations or to fulfill any other financial need, you just require your gold jewellery. So instead of keeping the gold idle at home or locker, Loan against gold is the best option

  • Less Time Consuming process:

 Availing Gold Loan is a very less Time-Consuming process. All it takes around 30 minutes to a few hours for Gold Loan processing and final disbursement. Also, Save time by Comparing Gold Loans and Apply online Instantly at Gold Loan Bazaar.

 

Some of the Popular Gold Loans In India are:-

  • ICICI Bank Gold Loan
  • HDFC Bank Gold Loan
  • SBI Gold Loan
  • Muthoot Finance Gold Loan
  • IIFL Gold Loan
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Bank vs NBFC, Online Gold Loan, Compare Gold Loan Interest Rates, GoldLoanBazaar.com

Bank vs NBFC .Which is the Best?

Bank Vs NBFC: Which is the Best?

Bank Vs NBFC comparison is done to rule out the one which offers Lowest Interest Rates and Maximum convenience to the Borrower for availing Gold Loan.

Bank:

Banks are financial institutions which are regulated and are licensed by Reserve Bank of India (RBI) to receive deposits and offer loans. They also offer services like issuing of cheques and demand drafts. provide financial services such as wealth management services and currency exchange. Banks include both public and private sector banks like State Bank of India, Punjab National bank, ICICI Bank, HDFC Bank etc.

NBFC:

NBFCs are financial institutions that are allowed to lend and make investments like that of banks but do not hold banking license and are not allowed to :

  • accept demand deposits
  • do not form part of the payment and settlement system and cannot issue cheques drawn on itself
  • deposit insurance facility of Deposit Insurance and Credit Guarantee Corporation is not available to depositors of NBFCs, unlike in case of banks.

NBFC include Muthoot Finance, Mannapuram Gold Loan, Muthoot Fincorp, IIFL, Capital First etc. those offers Gold Loans.

Nowadays, many people find themselves in a dilemma whether to choose Bank or NBFC for taking a Gold Loan. There are certain factors and risks associated which must be considered by you while making a Decision.

We, at GoldLoanBazaar.com, have conducted a detailed research and analysis on ” Bank vs NBFC ” which may help you to get out of the dilemma and make the right choice based on the factors stated below:

1) Interest Rates:

The rate of interest is one of the main aspects of all types of loans. NBFC usually charge a higher rate of Interest as the cost of funds for NBFC is higher and they are not authorized to accept funds in form of Demand Deposits. The Rate of Interest charged by Banks is much lower as Banks have got access to low-cost funds that they accept in form of deposits from the public. Also, there is a high risk of defaults in case of NBFC, so they charge higher interest rates to offset the unforeseen losses. You can save your hard earned money by Comparing Gold Loan Interest Rates and making the decision accordingly.

2) Loan-to-Value:

Loan to Value ratio, popularly called as LTV, is usually less in case of NBFC. As per RBI guidelines, NBFC is allowed to provide up to 75% of LTV of Gold pledged as collateral. This is mainly because of the high risk of default in case of NBFC. Whereas, banks offer higher Loan to Value (LTV ) which may be as high as 85 %.

3) Time Taken for Gold Loan Disbursement:

Gold Loan in 2 or 5 or 10 minutes is none other than a myth or a marketing Gimmick. It is most commonly adopted by the NBFC to lure customers for getting quicker and faster loans. In practicality, it’s impossible to evaluate the gold, its processing and loan disbursement in such a short span of time. You must not get flattered by such practices and offers.

But indeed, most banks and NBFC usually takes around 30 minutes to a few hours. It depends on the fulfillment of their eligibility criteria and the documents required to avail the loan. Needless to say, the Gold loan is the easiest and fastest way to get liquidity as compared to its most sought alternative i.e. personal loan.

4) Disbursement of Cash:

The banks do not pay in cash for the loan amount sanctioned by them. All the sanctioned loan amount is transferred to Borrowers bank account either by the way of Cheque or Account transfer or NEFT/RTGS as desired by the Borrower. But NBFC is allowed to disburse gold loans only up to Rs 20,000 in form of cash(as per RBI guidelines. Earlier it was Rs 1,00,000). For loans amounting above Rs 20,000, NBFC also goes cashless. They transfer loan amount either by the way of Cheque or NEFT/RTGS directly in Borrowers Bank account. This move is in line with the rules issued under the Income-tax Act.

5) Bank Vs NBFC Regulation:

All the banks are regulated by RBI whereas NBFC is a company registered and regulated under the Companies Act, 1956.

6) Gold to be Pledged:

As per RBI guidelines, Banks are only allowed to accept Gold Jewellery and Gold Coins (only up to 50 grams and of 99.99 % purity issued by Banks only in India ). Whereas NBFC is only entitled to offer Loans against Gold Jewellery only. NBFC is not allowed to offer Loans against Gold Coins.

7) Carat Requirement:

Minimum carat requirement in case of both banks and NBFC is 18 ct (75 % Gold Purity ) to 24 ct. Jewellery below 18 carat is not considered eligible for Gold Loan. Pledging spurious or fake Gold Ornaments for taking Loan is a punishable offense under IPC. This could end you up in Jail.

8) Gold Loans for Agriculture Purposes:

Banks provide special interest rates which are usually lower as compared to Normal Interest rates for Agriculture Gold Loans. Here, the borrower has to provide the proof of Land holding to get benefits. Concessional Loans are also offered to senior citizens and Women . Whereas, most of the NBFC does not offer any concessional or special interest rates for such Loans.

On the Basis of above factors, one can easily differentiate between Bank vs NBFC and make the decision accordingly.

Apply for Online Gold Loan now.

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Gold Loan Bazaar

All About Gold Loan

All About Gold Loan

As the name suggests, Gold Loan is a type of loan which is granted in lieu of Gold ornaments. The Gold Ornaments are pledged by the Borrower to the Lender. The Lender can be a Bank/NBFC which are authorized by the Reserve Bank of India (RBI) to offer Gold Loan. Often called by other names such as Loan Against Gold, Jewel Loan also. It is a type of secured loan as it is granted against the Gold ornaments pledged by the borrower. Many Nationalized Public and Private Sector Banks and NBFC’s offer Gold Loan in India.

Benefits / Features of Gold Loan:

  • Gold Loans are offered at a Lower Interest Rate as compared to other Loan options. You can just  Compare Gold Loans online at GoldLoanBazaar.com and you can see the Gold Loans offered by various Banks/NBFC’s and on the basis of comparison choose the one that suits your needs.
  • These are Less Time-consuming Loans and offer Instant Liquidity to the Borrowers as compared to other Loans.
  • Gold Loan amounts are starting from Rs 1500 with no upper limits depending on Various Banks/NBFC’s.
  • Lower the LTV (Loan-to-Value), Lower will be the interest rates i.e. Lower the Loan amount per gram, lesser the interest to be paid by the borrower( Depends upon Banks and NBFC’s )
  • Flexible interest and principal repayment options as per the convenience of the borrower. It can be easily paid along with EMI, only interest can be paid and rest at the time of the end of Gold Loan Tenure or Gold Loan closure. Some Banks also provide Bullet Payment options i.e. pay all the Interest and Loan Principal at the time of the end of Loan Tenure or Loan Closure.
  • Flexible Loan Renewal options are also available if the borrower wants to renew its loan.
  • No Guarantor is required in order to avail a Gold loan. Therefore, no need to find someone to back you when applying for your loan.
  • Very less Documentation as compared to other loans. Just simple ID and Address proof is required from an Individual in order to avail a Loan.
  • A Less time-consuming process as it takes almost 30 minutes to few hours to test Gold, it’s Processing and Disbursement.
  • Prepayment facilities are also available with zero repayment charges to certain amount or percentage depending on the Banks/NBFC.
  • Very Less to No valuation charges are there for your Gold Loan depending on the Banks/NBFC’s
  • No Income Proof or Income Tax Return (ITR) documents are required to avail the Gold Loan. Thus unemployed and non-working people can also avail Gold Loan.
  • No CIBIL score is required as CIBIL score is not mandatory for availing Gold Loan.
  • No specific reason is to be provided to the Lender in order to avail a Loan. It can be availed for various purposes like Gold Loan for Medical Emergency, Gold Loan for starting a new business or Gold Loan for Business Expansion, Gold Loan For Higher Education of Kids, Gold Loan for construction or repairs of Home, Gold Loan for Marriage purposes, Gold Loan for Agricultural purposes and for other financial problems or any other sort of requirement.
  • Very less and Special Interest rates are available for Gold Loans for Agriculture Purposes. Just one has to provide the proof of agriculture-related documents.
  • Some Banks/NBFC’s also provide Gold Loans at Lower/Concessional Interest Rates for the Gold Loan to be availed by Women customers.
  • You are also eligible for Top-up Loan if the Gold Rate /Gold Price increases in the Market. The decision to provide Top up or not solely depends on the Bank or NBFC.
  • Easy Loan Closure process as one just has to pay the Loan amount plus the interest dues and can get the possession of its pledged gold immediately after making the payment. No other documentation and liabilities.
  • It also helps you in Improving the credit history of the Borrower.

How does Gold Loan work? 

Here the Borrower consent to pay the Lender a certain amount of Interest during the Loan period and thereafter payment of principal and remaining dues at the time of taking back its gold and is abiding by the terms and conditions which both have agreed upon at the time of Loan.

And, the Lender agrees to pay the Borrower the amount agreed for a loan in lieu of Interest and also agrees to return the gold in the same condition as at the time of taking the Loan.

The Gold to be pledged can be in the form of Gold ornaments and gold coins(up to 50 Grams). Ornaments must have a minimum purity of 18 ct. and up to 24 ct. Below 18 ct. gold ornaments and Gold coins below 24 ct. are not eligible for taking the loan.

Valuation Process Of Gold:

You have to take your Gold that you wants to pledge for money. Appraiser/valuer/assessor authorized or appointed by the Lender will appraise your gold ornaments. On the basis of the valuation, the Lender will quote the maximum amount it can offer against the gold. If you agree and are satisfied with the above valuation of gold and the interest charges and other fees by the bank, you can proceed further to avail the Gold Loan.

In case if you cease to repay the interest, the lender, as the possessor of the Gold, has the authority to auction your gold ornaments to recover its dues i.e. loan principal and interest overdue. Therefore, it is always commendable to repay interest and all dues on time to avoid any situation/circumstances like this.

Do’s and Don’t of Gold Loan:

Facts must be kept in mind by the Borrower before taking Gold Loan:

  • You should Compare Loans offered by various Bank’s/NBFC’s based on Interest Rates, processing fees, prepayment charges and other allied fees and penalties. Compare the loans using Gold Loan Bazaar Comparison tool and choose the best loan that suits your needs.
  • You should pay Interest and Renewal Fees on time so as to avoid Late payment charges and penalties.
  • If the omission of payment continues, Lender reserves the right to auction your gold to recover their loan and dues.
  • Pledging Spurious/Fake/Stolen Gold Ornaments for availing Gold Loan is Illegal and is a punishable offense under IPC

Essential Documents Required for Gold Loan:

  • Identity Proof such as Passport, Voter ID card, PAN card, Driving License, Aadhar Card, Address Proof such as Electricity Bill, Aadhar Card, Telephone Bill, Ration Card, Driving License, Passport Copy.
  • Proof of landholding in case of Agriculture Loan
  • Passport Size Photographs

Click here to Apply for Online Gold Loan now.

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Agriculture Gold Loans

Agriculture Gold Loans

Agriculture Gold Loans are the loans that are granted to/availed by farmers or agriculturalist for seasonal agriculture operations by pledging their gold ornaments/jewellery. These is the best loan option in order to get instant liquidity to meet the crop cultivation costs, acquiring and applying inputs such as seeds, fertilizers, insecticides, buying cattle, purchase of equipment for irrigation, and to meet the labor costs for all operations in the field for raising & harvesting the crops.


In short, it is taken to meet the current expenditure requirement for raising the crops on land till the crops are harvested.

Eligibility for Agriculture Gold Loans:

Proof of land holding and land records related documents
Age group of 18 and up to 75 years

Benefits of Agriculture Gold Loans:

Agriculture Loan Interest rates offered by the banks are Lower and Concessional as compared to general Gold Loan Interest Rates.

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