How To Pay United Bank of India Gold Loan EMI Through Netbanking

United Bank of India Gold Loan

 United Bank of India is a Completely owned bank After the Amalgamation of central banks by the Punjab National Bank located in Kolkata, India. Presently the bank has a three-tier organizational system consisting of its main office in Kolkata, 36 regional offices and 2054 branches distributed all across India.

How To Pay United Bank of India Gold Loan EMI Through NetbankingUnited Bank of India EMI Calculator


Gold Loan per gram
₹ 2,776 to ₹ 3,393
Eligible Age 18 to 75 years
Loan Amount Eligibility
₹ 1,000 to ₹ 2,00,00,000
Lowest Gold Loan Interest Rates 0.095


How To Apply For Gold Loan Using United Bank of India Netbanking

How To Pay United Bank of India Gold Loan EMI Through Netbanking

Pay down the interest through EMIs and the principal after the loan term.

  • As a Gold Loan borrower, you have the option of choosing a Gold Loan repayment option that allows you to pay the interest component of the loan in monthly instalments solely, according to the lender’s EMI schedule. At the end of the loan, you can pay off the whole principal amount as a lump sum payment.
  • Make flexible partial payments of the principal and interest component.
  • Another Gold Loan repayment option is to make partial payments of both the principal and interest rates according to a flexible payback plan that you choose. If you choose this repayment plan, you won’t have to stick to a set monthly payment schedule.
  • By Cash/Cheque:- You can visit the branch of the united bank and pay offline.
  • Through Internet Banking:- From their official portal, you can log in and pay your instalments. 

FAQs on United Bank of India Gold Loan EMI Through Netbanking


✅ What happens if the gold loan is not paid?

Since the bank holds the gold as security if more than three instalments are not paid, ultimately, the gold will be kept for auctioning by the concerned banks; hence it is not an excellent decision to miss your EMIs.

✅ What are the documents which are required for a gold loan?

Any valid government-approved identity proofs such as an adhaar card/PAN card/Passport will suffice for applying for a gold loan.

✅ Does a gold loan increase the cibil score?

Yes, since Gold Loan is also a type of Credit payment, Timely repayments of instalments will surely boost your credit score and positively impact your credit history.