#IIFL gold loan

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Which Loan is Best, FD, Gold Loan, Mutual Fund, Personal Loan

What is Loan

Some Types of Loans

FD (Fixed Deposit) Loan

You can take a loan against bank FD without breaking it. In this way, along with the benefit of maintaining the savings deposited in the bank, one also gets the necessary cash.

The interest rates (12–15%) applicable on FD loans are also lower than personal loans. This loan is also easily available immediately. Also, there is no need to submit many documents to the bank for this. Savings also remain intact along with debt.

Gold Loan

Gold loans have become attractive these days as gold prices have reached Rs 75,000 per 10 grams. Now you will get more loan than before on mortgaging jewellery.

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Want to avoid capital gains tax on gold? Let’s break down three common strategies that investors use to minimize capital gains taxes on gold. Read it know more!

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Gold Loan Calculator: Simple Steps to Get Your Amount

A simple way to find out how much one can avail in the form of money against their gold assets is through using a gold loan calculator. Gold loans turn out to be very popular because one may need immediate liquidity at any time for any unexpected expenses that are necessary to cover; thus, it has turned out to be a very workable solution financially. Well, here is a simple guide on using a gold loan calculator effectively.

Understanding Gold Loan Calculator

A gold loan calculator is essentially an online tool to help you estimate the loan amount you are eligible to receive based on the gold in your possession. The weight of your gold ornaments, which you are willing to pledge, along with their purity and type, is considered in this tool. You can very easily calculate the probable amount of the loan and how much interest must be paid for the same during the loan tenure by simply entering these details.

How to Use a Gold Loan Calculator

Collect data: You shall collect information about your gold, which you will then put into the calculator. You need to have the weight and carat of your gold ornaments.

Go to the calculator: You can log in to any reputed financial website that has this calculator facility. Many banks and financial services have this type of calculator available free on their websites.

Enter details: The transaction details are typically entered into the calculator, which may include the following information: 

 Type of gold ornament (e.g., jewelry, coins)

 Weight of the gold in grams

 Purity of the gold (in carats)

Results of review: The calculator will also give an indication of the interest rate and total repayment amount on a selected period of the loan. You can easily modify the loan tenure to observe the impact on your monthly repayments.

Advantages of Gold Loan Calculator

Instant estimates: A gold loan calculator gives you instant estimates, allowing you to make smart decisions without doing cumbersome math.

Budget planning: If one is certain about his or her possible EMI, then the monthly budget can be planned more properly and accordingly fit the loan in one's financial scope.

Flexible option: You can try different amounts of lent and tenures to arrive at the most feasible option.

Conclusion

A step that anyone could take while going for a gold loan is to use the gold loan calculator. It makes it so easy to understand how much one is eligible for and what the cost of borrowing will be. IIFL Finance offers an easy-to-use gold loan calculator that allows you to input your gold details and get instant estimates. By following these simple steps, you can make informed financial decisions and select the right loan that meets all your requirements. Remember, always check the up-to-date prices of gold, and at the same time, policy changes of various lenders for correct calculations.

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How to Invest in Gold - Beginner's Guide

Explore IIFL's jewel loan interest rates and charges. Benefit from our low rates and clear terms to make the most of your gold jewelry assets. Check our rates today for a quick money.

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Where to settle your gold?

Gold loan settlement is the most broadened and vast service in India, Sometimes people not able to settle their loan, then we come into the picture and settle your gold from th

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Gold Loan - Apply for Loan Against Gold in India at Low Interest with IIFL Finance

Get a Gold Loan to help you raise funds instantly without any paperwork. Finance your jewelry in an easy and secure way to get an gold loan at the lowest rates in a few simple steps. Read more about the Gold Loan now!

[financemarketworld]

RBI Red Flag on IIFL Gold Loans

India’s non-banking financial company (NBFC) IIFL Finance has come under the scanner of the Reserve Bank of India (RBI). The regulatory body has initiated a special audit to investigate potential breaches of regulations related to gold loan disbursement practices. This move comes on the heels of an earlier restriction imposed by the RBI, barring IIFL from issuing fresh gold loans in March 2024.

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After the RBI halts the issuance of its gold loans, IIFL Finance begins a special audit

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Gold Loan Calculator - Calculate Gold Loan EMI Online at IIFL Finance

Gold Loan Calculator - Calculate the Gold loan EMI with IIFL Finance Gold Loan Calculator. Calculate EMI and check gold loan eligible amount as per gold weights per grams.

[optionperks]

IIFL Finance share price down 20%; Jefferies downgrades the stock ratings to Hold as gold loan ban may hurt profit

Stock Market Today: IIFL Finance saw its stock price decline 20% in morning trades on Tuesday as the ban of gold loans has dampened investor sentiments. The share price had declined 20% on Monday also post Reserve Bank of India barred IIFL Finance from disbursing Gold Loans. The IIFL Finance share price trading at close to ₹382.80 now in the morning trades thereby is down more than 35% compared to closing levels of around ₹596.80 on the BSE on Friday. Gold loan book forms around 32% of assets under management as per analysts. Jefferies has Downgrade stock to Hold ratings as ban ban will hurt profit. Analysts at Jefferies India Pvt Ltd in their report said that the “RBI's restriction on disbursing gold loans due to material supervisory concerns should dent earnings due to rapid unwinding of profitable gold loan book (32% of AUM), lower co-lending income and potentially higher CoF (cost of funding)". www.optionperks.com

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Understanding Gold Loan Interest Rates

Gold loans have emerged as a popular financial instrument for obtaining quick funds against the security of gold ornaments or coins. One of the crucial aspects to consider before availing a gold loan is the interest rate, as it directly impacts the cost of borrowing. In this guide, we will delve into the intricacies of gold loan interest rates and introduce you to IIFL Securities, a trusted platform to apply for gold loans.

Factors Influencing Gold Loan Interest Rates:

Loan-to-Value (LTV) Ratio:

The Loan-to-Value ratio determines the percentage of the gold's value that a lender is willing to provide as a loan. Higher LTV ratios often come with higher interest rates, as they represent a greater risk for the lender.

Loan Tenure:

The duration for which you wish to avail the gold loan can influence the interest rate. Longer tenures may attract lower interest rates, while shorter tenures might have higher rates.

Market Conditions:

Fluctuations in gold prices and market conditions can impact interest rates. During times of economic instability, interest rates may vary.

Credibility of the Lender:

Established and reputed financial institutions tend to offer more competitive interest rates compared to lesser-known lenders.

Loan Amount:

The amount of gold you pledge as collateral can affect the interest rate. Higher loan amounts might lead to lower interest rates.

Understanding Interest Rate Structures:

Fixed Interest Rates:

With a fixed interest rate, the borrower pays a predetermined rate throughout the loan tenure. This provides stability and predictability in monthly repayments.

Floating Interest Rates:

Floating interest rates fluctuate based on market conditions and are often linked to a benchmark like the repo rate. While they can be more dynamic, they may offer lower rates during favorable market conditions.

Conclusion:

Understanding gold loan interest rates is crucial for making an informed borrowing decision. By choosing a reliable platform like IIFL Securities to apply for a gold loan, you can benefit from competitive interest rates, transparency, and a hassle-free process. Visit the IIFL Securities website today and unlock the potential of your gold assets. Apply for a gold loan now!

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Apply Gold Loan Online - Instant Loan Against Gold in India | IIFL Finance

Gold Loan (गोल्ड लोन) - Apply for instant gold loan online in India. Get the best loan against gold or jewellery loan on low interest rates. Apply for jewel loan now!

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[hmatrading]

The 10 Best Mobile Trading Apps in India by 2023

Mobile trading apps have become a popular way to invest on the Indian share market. They are convenient and easy to use. Stock trading apps allow you to buy and sell stocks on your smartphone by searching nifty bees share price, iifl share price, angel broking share price, gold bees share price, angel broking share, iifl securities share price and more.

On your way to work, you can complete the trades.

Download probo trading apps or other apps to access the platform quickly, make a trade, and get news and alerts, or stream streaming videos.

Please note that you need to have a Demat & Trading account in order to use the trading application of your stockbroker. You need the Zerodha Demat & Trading App to use Zerodha's trading app.

 

Here is a list of the top trading apps for India in 2023.

The list was created using user ratings and trading experiences from app stores, broker sites and various forums.

Zerodha Kite is the best for all traders

5paisa is the best known for its ease of use.

Upstox is great for performance and speed

Edelweiss is great for biometric single-touch login

Angel Broking - Best full-service broker

HDFC Securities: Invest in multiple assets at once with HDFC Securities

IIFL Markets is the best app for stock market reports.

Motilal oswal is a great option for investing using algo-based algorithms

Sharekhan is a great app for trading academy courses

Stock Notes - Perfect for AI-based tools

 

The Benefits of Trading Apps

·      Orders can be placed quickly and with minimal effort.

·      Fast order execution & 24x7 access to the market

·      Smooth online account opening process

·      Real-time updates on the market and portfolio overview

·      Instant notifications and price alerts on the go

·      Transfer of funds with security

·      Easy Mutual Fund & IPO application

 

 Best trading app in India for beginners 2023

 

1. Zerodha Kite Mobile Trading App Review

Zerodha Kite, one of India's most advanced mobile trading apps in India with an easy-to-understand interface for beginners and no brokerage. zerodha account opening process very simple and easy to do anyone. 

All trading tools are available, including Chart IQ which provides real-time trend and price information.

Kite mobile trading is a miniaturized version of Zerodha’s Kite trading platforms, which are the best trading platforms for all discount brokers. zerodha calculator is find out the brokkerage charges and other extra charges. 

You can access console reports that will help you to know what the experts think about probo trading, and to strategize accordingly.

 

2. 5 Paisa App Review

The 5 Paisa trading app for mobile is the best in India. It allows you to place orders with just one click. Technical analysis is possible with advanced charts that offer a variety of studies and drawing capabilities.

The app allows you to access 5 Paisa products such as Smart Investor, Screeners, Senibull, and Small Cases while trading.

The app allows you to invest in mutual funds directly, purchase digital gold, insurance, and personal loans.

 

3. Review of UpStox Mobile Trading App

UpStox Pro helps you trade in shares, equity derivatives, and currency F&O. You can trade directly from charts by using the "Trade from Charts" (TFC).

Upstox Trading App provides advance charts with multiple intervals, drawing styles and types. You can use 100+ technical indicators to trade in real time.

App has a simple, intuitive and clutter-free look.

You can also create your own watchlist and receive live market feeds. Set an unlimited number price alerts.

The app allows you to switch between night and day modes for better visibility. Downloading the Upstox Pro trading app for mobile is free. No Hidden Charges you can calculate through upstox calculator. 

UpStox charges Rs. UpStox charges Rs. The transaction fee is Rs. You can open your account instantly and without paper.

 

4. Nuvama Wealth (Earlier Edelweiss) Mobile Trading App Review

Nuvama, the trading app that was formerly Edelweiss, has an easy fingerprint login. You can access research while trading.

This app provides real-time streaming prices of stocks and tick by click charts that keep you up to date and allow instantaneous market analysis.

You can create a "preset custom watchlist" based upon your chosen filters and Sensex Tracker in order to identify trading opportunities.

You can also invest in mutual funds using the app.

 

5. Angel One App Review

Angel One offers 40 technical charts indicators and overlays to aid in technical analysis and trading. The Angel's ARQ portfolio tool is integrated into the app.

App has a simple and intuitive interface.

The app allows you to access the last ten transactions of Ledger, Funds or DP reports.

 

6. HDFC Securities Mobile Trading App Review

HDFC Trading App has a biometric login that uses fingerprint and facial recognition. You can buy and sell from your watchlist.

HDFC Trading App offers real-time intraday charts and instant access trending investment ideas.

The app allows you to invest in gold, NCDs and derivatives in addition to trading in stocks and derivatives. The app also has a chat function with support staff to quickly resolve issues.

There are some negative reviews about login issues

 

7. IIFL Markets Mobile Trading Review

IIFL Market offers you expert research and tips on more than 500 stocks, when you trade via their mobile app. You can create up to 50 scrips per list.

To better manage the portfolio, this app provides intelligent dual-stock-watch across multiple segments (equity and F&O, currency, commodities, and currencies).

You can also invest in IPOs and OFSs (Offer for sale) via the app.

 

8. MO Investor Mobile Trading app by Motilal oswal

The Motilal-Oswal (MO), Investor App integrates ACE, an algorithm based investment strategy.

This app allows you to place multiple orders with just one click.

Charts can be displayed for any time period (from 1 minute to 5 years). You only have 9 technical indicators to analyze charts.

The app is easy to use and offers the option to invest in mutual funds or buy gold.

There are reports of the charts loading slowly and prices not being updated in real time.

 

9. Kotak Stock Trader Mobile App Review

Kotak Stock Trader app allows you to diversify your portfolio of investments by allowing you invest in IPOs, Mutual Funds ETFs and Bonds. kotak securities login. 

Charting tools allow you to create a custom watchlist, and keep track of markets in real time. You can actually sell from the position's view page. 

Apple's app store, however, has a rating of 2.9 and there have been reviews about customers being automatically logged out.

 

10. Sharekhan Mobile Trading App Review

The Sharekhan Trading App helps you to trade intelligently by providing live charts with multiple timeframes (1 minute up to 1 year).

App has a pattern identifier for finding new trading ideas. The Sharekhan Online Trading Academy courses are available directly from the app.

The app is designed in black and white to enhance the viewing and trading experience. You can stay logged in after closing the application. Sharekhan Refer & Earn Demat Account Earn ₹400 for every referred friend who generates ₹40

There are some customer reviews (complaints) stating that the app requires frequent password changes.

Read More - https://hmatrading.in 

Source - https://sites.google.com/view/besttradingappinindia2023/

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IIFL Finance’s 'Gold Loan Mela’ Offers Gifts to All Customers Taking Gold Loan until March 20

HARYANA .  IIFL Finance, which is one of India’s largest non-banking financial companies, has launched ‘Gold Loan Mela’ for customers of Haryana with exciting offers. This offer is valid across all 96 branches of Haryana until March 20, 2023. Nine lucky customers will be taking home a 32 inch LED TV, while there are assured gifts for every customer who takes gold loan from IIFL Finance branch…