Himalayan Bank Gold Loan interest rate 2083
Himalayan Bank Gold Loan: effective rate 9.99%, EMI from Rs. 17,582 per month. Compare with 19 other banks.
#13 / 20 banksAwaiting verificationEffective from 1 Bhadra 2083
Rate breakdown
Base rate
6.65%
Premium
3.34%–4.02%
Effective rate
9.99%–10.67%
Fixed
11.49%–12.67%
- Processing fee
- 0.5% (Min Rs. 500)
- Prepayment penalty
- 0%
- Loan amount
- Rs. 25 K – Rs. 25 Lakh
- Tenure
- 3 – 36 months
- Max financing
- 7%
- Age
- 21 – 65 years
Highlights
- Same-day disbursement
- Interest-only option
- Safe custody insured
Who is eligible
Hallmarked or assayed gold ornaments. Valuation at bank counter.
Documents you will need
- Citizenship certificate (copy)
- 2 passport-size photos
- Latest 6 months bank statement
- PAN card
- Gold ornaments
- Purchase receipt if available
Himalayan Bank Gold Loan FAQ
What is Himalayan Bank's current Gold Loan interest rate?+
Himalayan Bank's Gold Loan floating rate is base rate 6.65% plus a premium of 3.34% to 4.02%, giving 9.99% to 10.67% effective from Bhadra 2083.
What is the EMI on a Rs. 2 Lakh Gold Loan from Himalayan Bank?+
At 9.99% over 12 months, the EMI is roughly Rs. 17,582. Use the calculator above to change the amount or tenure.
Can I prepay a Himalayan Bank Gold Loan?+
Yes. The published prepayment charge is 0% of the outstanding balance. Confirm with the branch, as some banks waive it after a minimum period.