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Fees and Charges varies from scheme to scheme and loan amount. Basic charges applicable for gold loan will be, Stamp duty charges ,processing fees and valuer charges.
Please note:
1. Stamp duty charges will be applicable as per the respective state stamp act.
2. Processing fee ranges from 0 to 1% depending upon the quantity and loan amount, subject to deviation.
3. Valuer charges range from Rs. 250 to Maximum Rs. 1000, depending upon the loan amount ( 2nd valuation will be done if loan amount is Rs 4 lacs and above ).
If the loan is closed within the locking period, preclosure charges will be applicable to the extent of 2.25 %. Locking period is for minimum 6 months however, negotiable depending upon the need. If defaulted for any amount 3% penal rate will be levied.
If interest defaulted for 3 months, legal charges will be attracted. All fees attract GST charges as per norms.
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