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|Interest Rate||Up to 18% p.a.|
|Loan Amount||At the discretion of the bank|
|Loan Tenure||At the discretion of the bank|
|Processing Fee||1% of the loan amount + GST|
Some of the features and benefits of availing gold loan from AU Small Finance Bank are given below:
You can visit the nearest branch of AU Small Finance Bank and apply for gold loan. It is important that you carry all the necessary documents along with you so that the process of applying for a gold loan is fast. A representative from the bank will help you with the process of applying for a gold loan.
You can apply for a gold loan from AU Small Finance Bank by calling on the customer care number 1860-1200-1200 or by sending an email to firstname.lastname@example.org. A customer care executive will get in touch with you and will further assist you with the process of applying for a gold loan.
|Type of fees and charges||Fees levied|
|Loan processing fees||1%|
|Foreclosure charges||1% if closed before the completion of half tenure|
|Penal interest||24% p.a. penalty on total outstanding loan amount|
|Loan renewal processing fees||1%|
Note: It is important to note that the gold loan is granted for:
The minimum loan amount that you can avail is Rs.10,000 and the maximum loan amount being Rs.15 lakh.
The tenure of gold loan provided by AU Small Finance Bank ranges between 6 months and 12 months. The repayment tenure will depend on factors such as the loan amount, the collateral provided, your income, etc.
The loan amount will be disbursed to your bank account within 30 minutes. However, the time may vary depending on the documents submitted by you and the time taken by the bank to verify the gold provided as collateral by you. The approval of the gold loan will solely be at the discretion of the bank.
Yes, the processing of loan for the priority sector will be given more preference by the lender. The bank will also levy preferred interest rate on the loan amount.
Yes, you can avail loan against gold coins up to 50 grams per customer for coins issued by Indian banks only.
The list of documents that you will have to submit in order to avail gold loan from AU Small Finance Bank is given below:
In case of any change in your address, it is important that you inform the bank by calling on the number 1800 1200 1500 or visit the nearest branch of AU Small Finance Bank and inform them regarding the change in your address.
The interest rate charged on your bank will depend on the performance of the market. The interest levied on your loan will be fixed and will be calculated on reducing balance basis.
Yes, you can make partial payments. However, the security will be released only on the closure of the loan.
A GST rate of 18% will be applicable on banking services and products from 01 July, 2017.
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