KLM Bank Gold Loan is a loan conspire that you can benefit from for critical financial assistance by keeping your Gold as insurance security with the bank. It likewise accompanies alluring interest rates on Term Loans, Overdraft, and EMI based loans. The normal Gold Loan disbursal time at KLM is only 45 minutes.
KLM Gold Loan Key Features – Apply Online
| KLM Gold Loan Interest Rate | 5.88% per annum |
| KLM Gold Loan Per Gram | KLM Gold Loan Per Gram Today is ₹ 2,900 to ₹ 3,450 |
| KLM Gold Loan Processing Fee | 1.50% of the Principal Loan Amount |
| Maximum Loan Amount | Up to Rs. 1 Crore (With Income Proof) |
| KLM Gold Loan Prepayment Charges | 2%+GST (Within 3 Months), 0 (After 3 months) |
| KLM Gold Loan Repayment Tenure | 3 Months to 24 Months |
| KLM Gold Loan Repayment Scheme | Bullet Payment Scheme, Overdraft Scheme |
RBI has expanded the LTV (Loan to Value) proportion for Gold Loan from 75% to 90% till 31st March 2021. KLM Bank gives a Gold Loan for each gram pace of ₹ 2,900 to ₹ 3,450 in accordance with the current gold rate. The best KLM Gold loan Rate per gram is ₹ 2,900 to ₹ 3,450 for 22 Carat gold, estimated at the greatest 85% loan to esteem and the average gold cost throughout the previous one month for 22-carat is ₹ 2,900 to ₹ 3,450.
KLM Gold Loan Explanation
KLM gold loan can be benefited to meet an urgent requirement for cash by swearing one’s gold trimmings or gold coins as insurance. A Gold loan is one of the speediest and most effortless methods of getting money and can be profited by any current client of the KLM Bank, just as new borrowers. However, with KLM Bank, you won’t just benefit the Jewel Loan effectively, yet it will likewise be at a cutthroat interest rate.
KLM Gold Loan Comparison With Other Banks
Tips To Get Gold Loan From KLM
- KLM Bank acknowledges both hallmarked and non-hallmarked gems in return for cash. Nonetheless, you can get the most elevated gold loan per gram for any trademark gem since it decreases the odds of under-valuation by the valuer.
- KLM Bank can change the cost of 22-carat gold for the immaculateness of Gold. Hence, one ought to likewise attempt to get against adornments of higher virtue since it gets the most elevated sum for a Jewelry Loan.
- KLM Bank will compute the net load of the adornments to ascertain the measure of Loan against the Gold you can get. You can generally attempt to pick gems that have the least diamonds and stones. The majority of the banks will diminish the heaviness of pearls and stones from the complete load of the adornments. Yet, KLM Bank will depend on the report of its gold valuer to compute the net weight. Higher the heaviness of diamonds and stones in adornments bring down the net weight and worth of gems which brings about a lower measure of gem loan you can are qualified to get.
Advantages Of KLM Bank Gold Loan
- Quick Process: The KLM Gold Loan is affirmed and dispensed rapidly and without any problem. The Loan gets passed in 60 minutes.
- Fewer Documents: The documentation interaction is clear and less, crucial records are needed for the KLM gold loan.
- Straightforward System: The bank gives full straightforwardness to the client; that is, there are no secret charges.
- The measure of Loan: The base measure of Loan that KLM gives to the client is Rs. 15000. Likewise, It can be not as much as Rs 10000 in provincial regions.
- The wellbeing of Jewellery: One significant thing to note is that the bank is responsible completely for the security of your Gold. In this way, the Gold is kept in flame-resistant insurance.
- Loan Tenure: The residency of the Loan can be from 3 months to 2 years. Henceforth, You can pick as indicated by your solaces.
- Advantages for Farmers: KLM bank gives some unique proposals for rural purposes. That is, the bank offers a slightly low Gold loan interest rate for a Gold loan for horticultural use.
- No Debt Burden: There can be circumstances in which a candidate can’t reimburse the loan sum; in such a case, the candidate won’t be under obligations as the bank will seize the adornments.
- No Income limits: There are no limitations on the compensation or pay of the candidate; consequently, anybody with any pay fierceness can profit from a gold loan.
- Dispossession: KLM bank energizes the borrower to 0.50% of the remarkable head obligation in case of a Gold Loan Foreclosure.
KLM Bank Gold Loan Per Gram Rate – May 06 2022
| Updated – Gold Loan Per Gram Rate w.e.f May 06 2022 | ||||
| Gold Weight | Gold Purity 24 Carat | Gold Purity 22 Carat | Gold Purity 20 Carat | Gold Purity 18 Carat |
| 1 gram | 4621 | 4290 | 3900 | 3510 |
| 10 gram | 46210 | 42900 | 39000 | 35100 |
| 20 gram | 93600 | 85800 | 78000 | 70200 |
| 30 gram | 140400 | 128700 | 117000 | 105300 |
| 40 gram | 187200 | 171600 | 156000 | 140400 |
| 50 gram | 234000 | 214500 | 195000 | 175500 |
| 100 gram | 468000 | 429000 | 390000 | 351000 |
| 200 gram | 936000 | 858000 | 780000 | 702000 |
| 300 gram | 1404000 | 1287000 | 1170000 | 1053000 |
| 400 gram | 1872000 | 1716000 | 1560000 | 1404000 |
| 500 gram | 2340000 | 2145000 | 1950000 | 1755000 |
About KLM Bank Gold Loan
Life is loaded with vulnerabilities. Consequently, you may require cash to adapt up to monetary obstacles in your day to day existence. For this situation, you can get a Gold Loan to battle the monetary emergency. A gold loan is a gotten loan. Along with these lines, individuals with low CIBIL scores can likewise effectively profit from this help. KLM Gold Loan is extraordinary compared to other gold loans in India.
However, there is a ton of money banking and non-banking organizations that furnish you with a gold loan, but KLM Gold Loan is thought about the best. KLM Bank was set up in 1994. It is perhaps the most presumed and solid bank in India. Likewise, It is known for its splendid monetary administrations.
- KLM Gold Loan Interest Rate is 5.88% per annum
- KLM Gold Loan Rate Per Gram Today is ₹ 2,900 to ₹ 3,450
- KLM Gold Loan Tenure: Up to 24 months
- KLM Gold Loan Processing Fee is Up to 1.50% of the Loan Amount + GST
KLM Gold Loan Eligibility
The loan seeker can avail of a Gold Loan only if the following eligibility criteria are fulfilled:
| Age | 18-70 years of age |
| Nationality | Indian |
| Employment Status | Salaried, Self-Employed |
| Gold Quality | Minimum 18 Carats |
KLM Bank Gold Loan Documents Required
The documentation process is not that complex in KLM Gold Loan. The documents required for applying for the Loan are listed below :
| Photographs | 2 Passport Size |
| Identity Proof | Aadhar Card, Passport, PAN Card, etc. (Only 1 is required) |
| Residence Proof | Aadhar Card, Driving License, Ration Card, etc. In the case of Rented House, then the rent agreement or water/electricity bills for the last three months can be considered. (Only 1 is required) |
KLM Gold Loan Interest Rate, Fees, and Charges
Overall, credit against Gold as security is accessible at a low interest rate since it comes in classifying got loans. So the Gold Loan interest rates are not exactly that of an individual loan or some other sort of Loan; however, the gold loan rate continues changing every once in a while, just as individual to individual.
| KLM Bank Gold Loan Interest Rate May 06 2022 | |
| KLM Bank Gold Loan Interest Rate | 5.88% per annum |
| Processing Fee | 1.50% of the Principal Loan Amount |
| Prepayment/Foreclosure Charges | 2%+GST (Within 3 Months), 0 (After 3 months) |
| Valuation Fee | Rs 250 for a loan up to Rs 1.5 lacs and Rs 500 for a loan over and above Rs 1.5 lacs |
| Late Repayment Charges | 2% p.a. + Applicable rate of interest. |
| Renewal Processing Fees | Rs 350 + GST |
KLM Bank Gold Loan Schemes
KLM offers various schemes attached to the Gold Loan product, which are listed below:
- Loan Against Gold – KLM Bank gives Gold Loan at appealing paces of interest to satisfy anybody’s desperate need of assets for any reason, whether individual or expert. The gold loan is a completely gotten type of Loan, and in this way, the bank has no danger in loaning the add up to the candidate, so it is given at a slower pace of interest when contrasted with different types of Loan items.
- Loan Against Gold for Agriculture – KLM Bank gives Gold Loans explicitly to horticulture purposes to ranchers at an uncommon pace of interest when contrasted with gold loans given for different employments. They are given exceptional offers, and you need to give the bank Land verifications to which you are taking the Loan.
How To Apply For An KLM Gold Loan Online
You can apply for the KLM Bank Gold Loan at National info. The cycle is simple and fast. To start, You need to fill a basic structure on the web. At the point when the structure gets submitted, you will get a call from our Relationship Directors, who are experts around there. You additionally get a reports’ get office from your home. For more information, you can call on our fb page
National info is considered as the best stage to apply for a gold loan online in light of the accompanying reasons:
- National info is India’s driving business helpline; it gives the best business help to customers everywhere in the country.
- The bank has an astounding name among the purchasers due to its most trustworthy help.
- On the off chance that you are applying for a Jewel loan online at National info, you will get a low KLM Gold Loan Rate of Interest.
- National info gives an archive pickup office from the doorstep of the purchaser.
- We control the purchasers liberated from cost. That is, there are no valuable charges of engaging for a gold loan online on the site of National info.
- While you are requesting a gold loan into National info, next to no desk work is required.
- Our Contact directors are qualified acceptably to manage you in the entire strategy for Gold Loan.
KLM Bank Gold Loan Calculator
| KLM Gold Loan Calculator | ||||
| Rate of Interest | 6 months | 1 Yr | 2 Yrs | 3 Yrs |
| 7.00% | 17008 | 8652 | 4477 | 3088 |
| 8.00% | 17058 | 8699 | 4523 | 3134 |
| 8.50% | 17082 | 8722 | 4546 | 3157 |
| 9.00% | 17107 | 8745 | 4568 | 3180 |
| 9.50% | 17131 | 8678 | 4591 | 3203 |
| 10.00% | 17156 | 8791 | 4614 | 3227 |
| 10.50% | 17181 | 8815 | 4637 | 3250 |
| 11.00% | 17205 | 8838 | 4661 | 3274 |
| 11.50% | 17230 | 8861 | 4684 | 3298 |
| 12.00% | 17254 | 8885 | 4707 | 3321 |
| 12.50% | 17279 | 8908 | 4731 | 3345 |
| 13.00% | 17304 | 8932 | 4754 | 3369 |
| 13.50% | 17329 | 8955 | 4778 | 3393 |
| 14.00% | 17354 | 8979 | 4801 | 3418 |
| 14.50% | 17378 | 9002 | 4825 | 3442 |
| 15.00% | 17403 | 9026 | 4845 | 3466 |
How To Pay Your KLM Gold Loan EMI?
Your KLM gold advance can be reimbursed in the following three different ways.
- Standing Instruction (SI): If you are a current record holder with KLM Bank, Standing Instruction is the most reliable strategy for remuneration. Your EMI sum will be credited naturally towards the month’s end to month time frame from the KLM Bank account you show.
- Electronic Clearing Service (ECS): This program can be applied in the event that you have a non-KLM Bank record and may require your EMIs to be charged thusly close to the furthest limit of the month to month cycle from this record.
- Post-Dated Checks (PDC): You can introduce post-dated EMI examinations from a non-KLM Bank explanation at your nearest KLM Bank Loan Center. Another adaptation of PDCs ought to be introduced right away. It will be great in the event that you note Post Dated Checks will be gathered in non-ECS states, figuratively speaking.
KLM Gold Loan Per Gram is ₹ 2,900 to ₹ 3,450
| KLM Gold Loan Per Gram Today | Gold Loan Rate Per Gram Today is ₹ 2,900 to ₹ 3,450 |
| Eligible Age | 18 to 75 years |
| Loan Amount Eligibility | Rs. 1,000 to Rs. 2 Cr |
| Documents Required | Basic KYC documents for address and identity proof. No income documents and no CIBIL score documents are required. |
| Purity of Gold | 18 carat to 22 carat |
| Type of Gold | Gold jewellery and gold coins of 18-24 carats |
| Loan to Value | 75% of the gold ornament’s market value |
The KLM Gold Loan Rate Per Gram today is ₹ 2,900 to ₹ 3,450. The interest rate offered by this bank starts from 7%. The processing fee that the applicant would have to pay would range from 1.50% of the principal loan amount and can go higher as well, depending on the scheme. The loan tenure is from 3 months to 24 months, which is approximately 2 years. They offer various loan repayment schemes such as bullet repayment schemes and overdraft schemes. An individual can avail up to Rs. 1 crore with sufficient income proof in the gold loan offered by KLM.
KLM Gold Loan Rate Per Gram by Gold Purity
The following table gives an estimate of the gold loan per gram that KLM offers for gold jewellery with purity rates ranging from 65% to 75%.
| Gold Purity | Gold Rate Per Gram- Average Of Past 30 Days | Highest Gold Loan Per Gram | Lowest Gold Loan Per Gram |
| 22 carat | ₹ 4,620 | ₹ 4,999 | ₹ 4,956 |
| 20 carat | ₹ 3,939 | ₹ 4,178 | ₹ 3,795 |
| 18 carat | ₹ 3,545 | ₹ 3,784 | ₹ 3,460 |
The above table shows the method by which Banks will calculate your per gram gold loan for gold of varying purity.
- Gold loan per gram offer for 22-carat jewelry will be between ₹ 4,620 to ₹ 4,956
- Gold loan per gram offer for 20-carat jewelry will be between ₹ 3,795 to ₹ 4,178
- Gold loan per gram offer for 18-carat jewelry will be between ₹ 3,460 to ₹ 3,784
KLM Gold Loan Rate Per Gram
The table that is given below shows the KLM Gold Loan Rate Per Gram- Updated May 06 2022
| Updated – Gold Loan Per Gram Rate w.e.f May 06 2022 | ||||
| Gold Weight | Gold Purity 24 Carat | Gold Purity 22 Carat | Gold Purity 20 Carat | Gold Purity 18 Carat |
| 1 gram | 4621 | 4290 | 3900 | 3510 |
| 10 gram | 46210 | 42900 | 39000 | 35100 |
| 20 gram | 93600 | 85800 | 78000 | 70200 |
| 30 gram | 140400 | 128700 | 117000 | 105300 |
| 40 gram | 187200 | 171600 | 156000 | 140400 |
| 50 gram | 234000 | 214500 | 195000 | 175500 |
| 100 gram | 468000 | 429000 | 390000 | 351000 |
| 200 gram | 936000 | 858000 | 780000 | 702000 |
| 300 gram | 1404000 | 1287000 | 1170000 | 1053000 |
| 400 gram | 1872000 | 1716000 | 1560000 | 1404000 |
| 500 gram | 2340000 | 2145000 | 1950000 | 1755000 |
Historical Gold Loan Rates Per Gram
Historically, Indians are known to be the largest consumers of gold. Over the years, the trend still hasn’t changed. It has only continued to grow more and more to the point where it constitutes many imports to the country. Indians tend to believe that investing in gold is one of the safest investments they would make in their lifetime.
| This Table Contains the Average Annual Gold Rate from 1965 – 2022 | |||
| Year | Price (24 karat per 10 grams) | Year | Price (24 karat per 10 grams) |
| 2022 | ₹ 52,950 | 1993 | ₹ 4,140 |
| 2021 | ₹ 50,045 | 1992 | ₹ 4,334 |
| 2020 | ₹ 48,651 | 1991 | ₹ 3,466 |
| 2019 | ₹ 35,220 | 1990 | ₹ 3,200 |
| 2018 | ₹ 31,438 | 1989 | ₹ 3,140 |
| 2017 | ₹ 29,667 | 1988 | ₹ 3,130 |
| 2016 | ₹ 28,623 | 1987 | ₹ 2,570 |
| 2015 | ₹ 26,343 | 1986 | ₹ 2,140 |
| 2014 | ₹ 28,006 | 1985 | ₹ 2,130 |
| 2013 | ₹ 29,600 | 1984 | ₹ 1,970 |
| 2012 | ₹ 31,050 | 1983 | ₹ 1,800 |
| 2011 | ₹ 26,400 | 1982 | ₹ 1,645 |
| 2010 | ₹ 18,500 | 1981 | ₹ 1,800 |
| 2009 | ₹ 14,500 | 1980 | ₹ 1,330 |
| 2008 | ₹ 12,500 | 1979 | ₹ 937 |
| 2007 | ₹ 10,800 | 1978 | ₹ 685 |
| 2006 | ₹ 8,400 | 1977 | ₹ 486 |
| 2005 | ₹ 7,000 | 1976 | ₹ 432 |
| 2004 | ₹ 5,850 | 1975 | ₹ 540 |
| 2003 | ₹ 5,600 | 1974 | ₹ 506 |
| 2002 | ₹ 4,990 | 1973 | ₹ 279 |
| 2001 | ₹ 4,300 | 1972 | ₹ 202 |
| 2000 | ₹ 4,400 | 1971 | ₹ 193 |
| 1999 | ₹ 4,234 | 1970 | ₹ 184 |
| 1998 | ₹ 4,045 | 1969 | ₹ 176 |
| 1997 | ₹ 4,725 | 1968 | ₹ 162 |
| 1996 | ₹ 5,160 | 1967 | ₹ 103 |
| 1995 | ₹ 4,680 | 1966 | ₹ 84 |
| 1994 | ₹ 4,598 | 1965 | ₹ 72 |
Gold Loan Per Gram Rate Comparison for Major Banks
| Feature | Manappuram | Axis Bank | Yes Finance |
| Interest Rate | 9.90% | 12.50% | 9.99% |
| Min Loan Amt | Metro : 25000, Non : 15000 | 25000 | 15000 |
| Max Loan Amt | 1 Cr | 1 Cr | 1 Cr |
| Loan Tenure | 3 months to 24 months | 9 months to 24 months | 1 month to 24 months |
| Processing Fee | 0.25% to 1.50% of the Loan Amt | 0.25% to 1.50% | Nil |
| Preclosure Chgs | 2%, Nil foreclosure charges after 3 months | 2%, Nil foreclosure charges after 9 months | Nil |
| Overdraft Facility | Yes | Yes | Yes |
| Pay Only Interest Facility | Yes | Yes | Yes |
| Gold Rate Per Gram | 3,124 | 3,073 | 3,069 |
Tips to getting Best Gold Loan Amount Per Gram from KLM
- KLM accepts both hallmarked and non-hallmarked jewellery for the availing of a gold loan. However, the chances of availing of a higher loan amount are possible if hallmarked jewellery is pledged. Some banks will even reduce the processing fees if the same is pledged.
- The bank is then supposed to adjust the price of 22-carat gold for the purity of the gold. So try and make sure you try to borrow against higher purity jewellery as it would get you a higher loan amount.
- KLM would then calculate the total weight of your jewellery to verify the loan amount that you would get. Try and ensure that you pledge jewellery that has minimal stones and gems and has more gold. The higher the weight of the gold that is being pledged, the more the money that is availed as a gold loan.
- Always try to get the maximum LTV on the value of gold. KLM is allowed by RBI to charge a maximum LTV of up to 75% to calculate the amount of gold loan you are eligible for.
KLM Bank Gold Loan Contact Number
Contact and get moment help and endorsement for your KLM Bank Gold Loan. You can know the best proposals on Gold Loan accessible from every one of the KLM Bank Branches all through the nation to profit the best arrangement reasonable to your requirements.
Gold Ornaments Accepted By KLM Bank
- Gold Jewellery: such as Gold Bangles, Gold rings, Gold anklets, Gold necklaces, etc., all are accepted by KLM Bank for availing of a Gold Loan.
- Quality: The quality of Gold should be between 18 Carat to 22 Carat. Any gold ornament, which is 24 Carat, cannot be used for availing of a gold loan.
Use Of KLM Gold Loan
The subsidizes gained by profiting the KLM Gold Loan administration can be utilized for a few purposes, for example,
- To finance specific ventures like marriage, climbing, a portion of higher education cost instalments, and so on.
- For all your promoting necessities, like buying new stock, creating advertising, and so forth, a loan administration is accessible.
- You can moreover profit from a Gold Loan for green thoughts. The bank gives lower costs of interest for Gold Loans that are used for cultivating or related activities.
KLM Agricultural Jewel Loan Scheme
| Scheme | KLM Bank Agricultural Jewel Loan Scheme |
| Interest Rate | Starting from 5.88% per annum (depends on the sum of the Loan |
| Least amount of Loan | It depends on the value of the jewel which is being kept as security |
| Loan period | Adjustment of advance sum inside 2 months from the date of reap of yields |
Benefits Of KLM Bank Agricultural Jewel Loan Scheme
- KLM Bank charges a processing fee of up to ₹ 500.
- Minimum of ₹ 300 charge, which is 0.30% of the loan amount, applies to the amount ranging from above ₹ 20,000 – less than ₹ 20 lakh.
- 0.28% of the credit sum, subject to at least Rs.1,500, applies to the amount more than Rs.5 lakh; however, under Rs.1 crore.
KLM Gold Loan Overdraft Scheme
For working on the interaction and giving you problem-free help while preparing an overdraft conspire at KLM bank is given, it gives you an online method to get your overdraft, otherwise called Smartdraft – Overdraft Against Salary. You don’t have to visit bank offices and go through an exhausting interaction. Sign in to the KLM web-based financial entry, and from that point, you can round out a basic frame and get an overdraft under your name.
KLM Gold Loan Highlights
| Age | 18 – 70 years |
| Minimum Loan Amount | Rs. 1000 |
| Maximum Loan Amount | Rs. 1 Crore |
| KLM Gold Loan Interest Rate | 5.88% per annum onwards |
| Loan Tenure | From 3 months to 24 months |
| Gold Items accepted | Jewellery and gold coins sold by banks |
| KLM Bank Gold Loan Processing Charges | 0.85% of the loan amount |
How Does KLM Bank Gold Loan Work?
The appropriateness of the gold loan is resolved on the virtue of Gold, LTV, and its weight. Assume Mr An and his two companions Mr B and Mr C, have distinctive gold qualities for diverse immaculateness. Mr A has 50 grams of Gold for each 22-carat virtue. Mr B has 60 grams of Gold in 20 carats of immaculateness, and Mr C has 70 grams of Gold in immaculateness or 22 carats. They moved toward the KLM Bank to get a gold loan. The value used to figure the appropriateness of their gold loan as per the high 85% LTV will shift with the immaculateness of the Gold and ,thusly, will prompt the legitimacy of the gold loan.
How can I get the Gold Loan from KLM Bank?
You can get KLM Gold Loan by visiting any of the gold loans offering parts of KLM, or you can apply online with Dialabank from the solace of your home and get the best arrangements and offers. KLM is one of the main banks in India that gives Gold Loan administration.
How much Gold Loan can I get per gram in KLM?
The per gram Gold Loan in KLM that you can get relies upon the immaculateness of your Gold. KLM acknowledges Gold of virtue between 18 carats to 22 carats to give a Gold Loan. You can benefit from up to ₹ 2,900 to ₹ 3,450 according to KLM Gold Loan Per Gram.
How does KLM Gold Loan work?
KLM Gold Loan’s work is easy to comprehend. It is a famous loaning plan through which you can get a loan by vowing your gold trimmings. The loan sum and interest rates are reliant upon the immaculateness of your Gold and differ likewise. KLM Gold Loan is an extremely famous choice for any individual who needs critical cash; the average dispensing time is 45 minutes.
What is KLM Gold Loan Interest Rate?
The KLM Bank Gold Loan Interest Rate is 5.88% per annum. The KLM Gold Loan pace of interest relies on various elements, in particular: loan sum, loan residency, immaculateness of Gold, and relationship with KLM bank.
How to check Gold Loan status in KLM?
To check your KLM Gold Loan status, you should visit the KLM Bank Loan Status Tracker page and fill in your subtleties in the structure given. You can, without much of a stretch, track the situation with your Loan from any place and stay refreshed.
How to calculate Gold Loan Interest in KLM?
You can ascertain the Gold Loan Interest Rate in KLM Bank utilizing Dialabank’s EMI Calculator, which gives you exact sums dependent on the data you go into the adding machine.
✅ What is the maximum loan amount I can avail myself of on a Gold Loan from KLM Bank?
The most extreme gold loan sum you can get from KLM Bank is up to Rs 1 crore (with pay evidence).
What is the loan tenure of the KLM Bank Gold Loan?
The loan tenure of KLM Bank ranges from 3 months to 24 months.
How much is the Processing Fee applicable on KLM Gold Loan?
The handling expense for the KLM Gold Loan is about 1.50% of the principal loan sum and can be less founded on the loan sum and the relationship with the bank.
What are the charges for renewal in KLM Gold Loan?
The charge for reestablishment in the KLM Gold loan is Rs 350 + GST.