Best gold loan in kanpur in 2025


Gold Loan in Kanpur: Bank vs NBFC - Kaun Sa Best Hai?

Agar aap Kanpur mein rahte hain aur gold loan lene ki planning  kar rahe hain, to aap ke paas gold loan lene ke two option— Bank ya NBFC (Non-Banking Financial Company). Har option ke apne alag-alag benefits hain. Is blog me hum aapko dono options ka comparison karke batayenge kaun sa option app ke liye best hai with live example ke sath.  

✅ Gold Loan Kya Hota Hai?

Gold loan ek secured loan hota hai jisme aap apna gold (jewelry, coins, etc.) bank ya NBFC ke pass rakhte hain aur uske against loan ke roop me kuch Loan le sakte hain. Aapka gold safety me rehta hai jab tak aap loan repay nahi karte.


Key Features:

  • Quick Disbursal: Gold loan ka approval sirf 30 minutes me ho sakta hain.
  • Low Interest Rates: Personal loan se gold loan ka interest kam hota hai
  • Flexible Repayment: Aapko EMI ke sath part  payment ka option bhi milta hai.
  • No Credit Score Required: Aapka CIBIL score matter nahi karta.

✅ Bank vs NBFC Gold Loan – Comparison Table





Criteria		 Bank Gold Loan NBFC Gold Loan
Interest Rate 8% - 12% (Low) 12% - 18% (High)
Processing Time 1 Days 30 Minutes to 1 Hour
LTV (Loan to Value) Up to 75% Up to 75%
CIBIL Score Requirement Yes Important Not Required
Repayment Flexibility Limited Options Bullet Payment & Flexible EMI Options
Loan Amount ₹1 lakh to ₹1 Crore ₹5,000 to ₹5 ceore
Gold Safety High Security (Bank Vaults) Secure Vaults, But May Vary
Processing Fees ₹500 - ₹2,000 ₹1,000 - ₹5,000
Approval in Emergency Moderate Fast Approval in Emergencies
Best For Large Loans, Lower Interest Quick Funds, Short-Term Requirements


 NBFC Se Gold Loan Lene Ke Benefits

  1. Fast Disbursal:
    NBFC se aapko sirf 30-60 minutes me loan mil jata hain. Agar aapko emergency mai paisa chahiye, to NBFC aapke liye best choice hain.

  2. Minimum Documents:
    Sirf basic KYC documents chahiye hote hain, jisme Aadhaar Card aur PAN Card and Bank A/c no ki requirement hoti hai.

  3. Flexible Repayment:
    NBFC aapko bullet payment ka option deti hai, jisme aap interest monthly de sakte hain aur principal loan amount end me repay kar sakte hain.

  4. Higher LTV:
    NBFCs gold ke value ka up to 75% tak loan karti hain.

✅ Bank Gold Loan Lene Ke Benefits

  1. Lower Interest Rate:
    Banks ka interest rate  NBFC se kam hota hain, specially agar aap existing customer hain.

  2. Trust and Security:
    Banks government regulated hote hain, is wajah se aapka gold high security vaults me safe rehta hai.

  3.  Loan Amount:
    Agar aapko ₹3 lakh se ₹1 crore tak ka loan chahiye, to bank best choice hoti hai.

  4. Longer Repayment Tenure:
    Banks me aapko 12 months se lekar 36 month tak ka loan repayment option milta hai.

✅ Live Example for NBFC Gold Loan

Rahul ko apni behan ki shaadi ke liye ₹3 lakh urgently jarurat thi. Uske paas 22 karat ka 100 gram gold tha. jiska market price ₹6,000 per gram hai.

  • Gold Value: ₹ 6,00,000
  • NBFC LTV: 75%
  • Loan Amount Mil Sakta Hai: ₹4,50,000
  • Interest Rate: 14% (NBFC ke rate par)
  • Tenure: 12 Months

Solution:

  • Rahul ko NBFC se 30 minutes me ₹3 lakh mil gaya.
  • Usne sirf interest har mahine pay kiya aur 12 months ke end me principal amount pay karke gold wapas le liya.

Benefit: Jaldi paisa mila aur koi extra paperwork nahi karna pada.

✅ Live Example for Bank Gold Loan

Anjali ko apne business expansion ke liye ₹10 lakh chahiye. Uske paas 22 karat gold jewelry hai, jiska market price ₹6,000 per gram hain.

  • Gold Value: ₹6,50,000
  • Bank LTV: 75%
  • Loan Amount Mil Sakta Hai: ₹4,87,500
  • Interest Rate: 9.5% (Bank ke rate par)
  • Tenure: 24 Months

Solution:

  • Anjali ne bank se 1 days me loan le liya.
  • Low interest rate ke wajah se uski EMI kam bani.

Benefit: Long-term loan at a lower interest rate.

✅ Best Solution for You

  • Agar aapko Emergency Funds chahiye: NBFC ka loan best hai kyunki disbursal fast hota hai.
  • Agar aapko Lower Interest Rate chahiye: Bank choose karein kyunki long-term loans par interest kam hota hai.
  • Agar aapke paas Low CIBIL Score hai: NBFC aapko without cibil check kare loan de sakti hai.
  • Agar aap Large Amount Loan chahte hain: Bank better hai for ₹50 lakh se ₹1 crore tak ke loans.

✅ FAQs

Q1: Gold Loan lene ke liye CIBIL Score zaroori hai?

  • Nahi, gold loan me aapke gold ki value matter karti hai, CIBIL score nahi.

Q2: Agar Gold Loan repay nahi kiya to kya hoga?

  • Lender aapke gold ko auction kar sakta hai, lekin pehle aapko sufficient notice diya jata hai.

Q3: Gold Loan par Tax Benefit milta hai?

  • Nahi, gold loan par koi tax benefit nahi milta.

Q4: Kaun sa Better Hai – Bank ya NBFC?

  • Short Term ke liye NBFC aur Long Term ke liye Bank better hai.

✅ Conclusion

Gold loan ek quick aur reliable financial solution hai, specially agar aapko emergency me funds chahiye. Kanpur mai banks kam low interest rate offer karte hain, jabki NBFCs fast disbursal aur flexible repayment provide karte hain.

Aapke financial needs aur repayment capability ke basis par aapko best option choose karna chahiye. Gold loan ke liye apply karne se pehle interest rates, LTV ratio aur processing fees compare karna na bhulein.

For more financial tips and guidance, visit GoldShub.com


Location: Kanpur, Uttar Pradesh, India

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