IOB Bank Gold Loan 2025 ke interest rate, eligibility, repayment process, aur documents ke bare me full details janiye. Dekhiye IOB gold loan per gram rate today aur apply karne ka simple process.
Introduction: IOB Bank Gold Loan Kya Hai?
Aaj ke time me emergency financial needs kabhi bhi aa sakti hain — jaise education, business, ya medical expenses. Agar aapke paas gold hai to aap usse turant loan le sakte hain. IOB Bank Gold Loan ek aisi facility hai jisme aap apna gold girvi rakhkar turant paisa le sakte ho.
Indian Overseas Bank (IOB) ek trusted public sector bank hai jo apne customers ko quick aur easy IOB Bank Gold Loan provide karta hai. Is loan me aapko kam interest rate aur simple documentation ke sath paisa mil jata hai.
IOB Bank Gold Loan Features
IOB Bank Gold Loan lene ke kuch khaas features hain jo ise popular banate hain:
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Instant Approval: Sirf thoda documentation karke aap same day loan le sakte ho.
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High Loan Amount: Aapke gold ke value ke hisaab se ₹5,000 se lekar ₹25 lakh tak ka loan mil sakta hai.
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Flexible Repayment: 12 months se lekar 36 months tak ka repayment period milta hai.
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Low Interest Rate: IOB gold loan interest rate market me competitive hai, jo 7% – 9% tak hota hai.
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Transparency: No hidden charges or prepayment penalty.
IOB Bank Gold Loan Rate Per Gram Today
Sabse common question hota hai – IOB Bank gold loan per gram rate today kya hai?
Gold loan per gram rate daily gold ke market price par depend karta hai.
Example ke liye, agar 22-carat gold ka rate ₹5,500 per gram hai, to bank aapko uska 75% tak loan de sakta hai.
👉 IOB Gold Loan Rate Per Gram Today: ₹4,000 – ₹4,200 (approx., market rate ke according)
(Note: Exact rate branch aur day ke hisaab se thoda differ kar sakta hai.)
IOB Bank Gold Loan Eligibility Criteria
IOB Bank Gold Loan lene ke liye aapko kuch basic conditions puri karni hoti hain:
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Applicant 18 years se upar hona chahiye.
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Sirf Indian residents hi apply kar sakte hain.
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Applicant ke paas gold ornaments (22-carat preferred) hone chahiye.
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Income proof required nahi hai (kyunki ye secured loan hai).
Documents Required for IOB Bank Gold Loan
IOB Bank Gold Loan Documents Required:
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Aadhar Card / PAN Card
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Address Proof (Electricity Bill / Voter ID / Ration Card)
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2 Passport-size Photos
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Gold Ownership Proof (agar available ho)
IOB Gold Loan Apply Kaise Kare?
IOB Bank Gold Loan lene ke do simple tarike hain:
1. Offline Apply:
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Nearest IOB branch visit karein.
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Gold aur documents le jayein.
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Bank officer aapke gold ka valuation karega.
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Loan amount turant approve ho jata hai aur aapke account me credit hota hai.
2. Online Apply (IOB Website / App):
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Official website: https://www.iob.in
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“Gold Loan” section me jaake apply karein.
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Details fill karein aur appointment fix karein.
IOB Gold Loan Interest Rate 2025
| Loan Type | Interest Rate (Approx) |
|---|---|
| Regular Gold Loan | 7.10% – 9.00% p.a. |
| Agricultural Gold Loan | 6.85% p.a. |
| Bullet Repayment Scheme | 8.25% p.a. |
Interest rate customer profile aur gold valuation par depend karta hai.
IOB Gold Loan Repayment Options
IOB Bank Gold Loan me repayment ke kai flexible options diye jate hain:
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EMI Based Repayment: Monthly EMI ke through payment kar sakte ho.
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Bullet Repayment: Maturity pe ek saath poora loan aur interest chuka sakte ho.
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Interest-Only Payment: Har month sirf interest pay karke principal baad me repay kar sakte ho.
IOB Gold Loan Online Payment (Paytm / Netbanking)
Aap apna IOB Gold Loan repayment ya interest payment online bhi kar sakte ho:
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Paytm, Google Pay, ya IOB netbanking ke through.
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“Loan Repayment” section me jaake apna loan account number daalein aur payment karein.
IOB Bank Gold Loan vs Other Banks
| Bank Name | Min. Interest Rate | Max. Loan Tenure | Processing Fee |
|---|---|---|---|
| IOB Bank | 7.10% | 36 Months | ₹0 – ₹500 |
| SBI Bank | 7.50% | 36 Months | ₹500 |
| HDFC Bank | 8.00% | 24 Months | ₹999 |
| Manappuram | 9.00% | 12 Months | ₹0 |
Verdict: Interest aur processing charges dono ke hisaab se IOB Bank Gold Loan ek affordable aur safe option hai.
FAQs – IOB Bank Gold Loan 2025
Q1. IOB Bank gold loan per gram rate today kya hai?
Ans: Around ₹4,000 – ₹4,200 per gram (22-carat gold ke liye).
Q2. IOB Bank gold loan interest rate kitna hai?
Ans: Interest rate 7.10% se start hota hai aur loan type ke hisaab se badhta hai.
Q3. IOB Bank gold loan repayment kaise kare?
Ans: Aap EMI, bullet, ya online payment (Paytm/netbanking) ke through repay kar sakte ho.
Q4. Kya IOB Bank gold loan online apply ho sakta hai?
Ans: Haan, official website iob.in par jaake aap apply kar sakte ho.
Q5. IOB gold loan ke liye minimum gold kitna chahiye?
Ans: Minimum 10 grams gold se bhi loan apply kiya ja sakta hai.
Expert Tip:
Agar aap short-term financial need ke liye paisa lena chahte ho to IOB Bank Gold Loan ek smart aur safe option hai. Lekin gold ko girvi rakhte waqt hamesha repayment timing ka dhyan rakhein — warna bank aapka gold auction kar sakta hai.
Investment & Loan Disclaimer (Warning Message)
Disclaimer:
Ye article sirf informational purpose ke liye hai. Gold loan lene se pehle apni financial situation aur repayment capacity ka dhyan rakhein. Bank ke terms & conditions time-to-time badal sakte hain. Ham kisi bhi financial loss ke liye zimmedar nahi honge.
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