Sarva UP Gramin Bank Gold Loan Key Features – Apply Now
|Sarva UP Gramin Bank Gold Loan Collateral||Gold ornaments|
|Sarva UP Gramin Bank Gold Loan per gram||₹ 2,900 to ₹ 3,450 depending on the purity of gold|
|Sarva UP Gramin Bank Gold Loan Age of Borrower||18 – 75 years|
|Sarva UP Gramin Bank Gold Loan Maximum Loan Amount||Up to 1 crore|
|Sarva UP Gramin Bank Gold Loan Maximum Loan to Gold Value Ratio||Up to 75%|
|Sarva UP Gramin Bank Gold Loan purity of Eligible gold||18 carat to 22-carat gold|
|Sarva UP Gramin Bank Gold Loan Maximum Loan Tenure||Up to 36 months|
Advantages of Sarva UP Gramin Bank Gold Loan
How many loans Can I Get Through Sarva UP Gramin Bank?
|Sarva UP Gramin Bank Gold Loan Rates/ Gram – Updated January 2021|
|Weight||Loan on 18Cr gold||Loan on 20Cr gold||Loan on 22Cr gold||Loan on 24Cr Gold|
About Sarva UP Gramin Bank Gold Loan
Why should Farmers choose Gold Loan?
Gold Loan is a good service for the farmers. Because, if the loan amount has to be used for farming purposes. Then, the banks provide a further discount on the interest rates. Therefore, the farmers can avail the service of the gold loan at a discount of 1% on the Gold loan interest rate. Finally, if you want to use the loan amount for agricultural purposes and you have gold jewellery then, Gold Loan is the best option for you.
Sarva UP Gramin Bank Gold Loan Eligibility
|Requirements||Gold ornaments (18-22 carats)|
|CIBIL score||Above 500|
Sarva UP Gramin Bank Gold Loan at Home
Gold Loan at Home is a cash-on-the-spot or doorstep loan service that allows you to borrow money from the convenience of your own home. The service is fast, flexible, and cost-effective and interest rates are also low. You can use the gold loan calculator to determine the value of your gold or the loan amount before completing a loan request. Obtaining a Gold Loan at home is an easy and quick process that can be done in a matter of minutes.
Within 30 minutes, one of our employees will call you and arrive at your home. When all e-documentation and gold identification are completed at your residence, the appropriate gold loan amount will be sent directly to your bank account.
The benefits of getting a gold loan at your doorsteps are:
- Access To Your Loan Account 24 X 7
- Diverse Range of Gold Loan Schemes
- You can get free insurance for your Gold
- There are no hidden fees.
- You will get the maximum value of your Gold
- You can avail your Gold Loan in just 1 visit
Sarva UP Gramin Bank Gold Loan Documentation
|Identity Proof||Aadhar Card/Pan Card/ Passport/ Voter ID (Anyone)|
|Residence Proof||Aadhar Card /Pan Card/ Ration Card/ Utility Bills on the name of the applicant/ Rental Agreement of applicant/ Voter ID card (Anyone)|
|Agriculture Proof ( if applicable)||Agriculture Land Ownership Proof|
|Photographs||2 Passport sized coloured|
Sarva UP Gramin Bank Gold Loan Interest Rates, Fees and Charges
|Gold Loan Rate||5.88% per annum|
|Processing Fee||0.85% of the loan amount + GST|
|Loan to Gold value||Up to 75%|
|Pre-payment Charges||0- 2%|
Types of Sarva UP Gramin Bank Gold Loan
- The agricultural loan is provided to farmers for agricultural purposes at a special rate of interest.
- Non- agricultural purpose loans against gold are provided to individuals for all kinds of purposes except agrarian purposes. The rate of interest is slightly higher.
Sarva UP Gramin Bank Gold Loan Apply Online
- Visit Dialabank
- Fill the Gold Loan form
- Wait for our relationship manager to contact you with the best offers.
Sarva UP Gramin Bank Gold Loan EMI Calculator
|Rate of Interest||6 months||1 Yr||2 Yrs||3 Yrs|
How to Pay Your Sarva UP Gramin Bank Gold Loan EMI?
Your Sarva UP Gramin Bank gold loan can be repaid in the following ways:
- Standing Instruction (SI): If you are a current record holder with the Sarva UP Gramin Bank, Standing Instruction is the best method of repayment.
- Electronic Clearing Service (ECS): This can be utilised if you have a non-Ujivan Small Finance Bank account and might want your EMIs to be charged consequently.
Sarva UP Gramin Bank Gold Loan Contact Number
For any assistance in case of a gold loan from Sarva UP Gramin Bank required you may contact on the number 9878981144.
Gold Ornaments Accepted by Sarva UP Gramin Bank
Gold jewellery in any form like Gold Bangles, rings, anklets, and Gold necklaces, are accepted for availing a Gold Loan provided they are between 18-24 carats.
Uses of Sarva UP Gramin Bank Gold Loan
The loan amount acquired by availing the Sarva UP Gramin Bank Gold Loan service can be used for several purposes such as:
- To finance personal expenses like a wedding, travel, medical bills, etc.
- For all your financial business requirements, such as buying raw material, inventory, etc.
Sarva UP Gramin Bank Agricultural Jewel Loan Scheme
|Scheme||Sarva UP Gramin Bank Agricultural Jewel Loan Scheme|
|Interest Rate||Starting from 5.88% per annum (depends on the sum of the loan)|
|Least amount of Loan||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 Sarva UP Gramin Bank Agricultural Jewel Loan Scheme
- Sarva UP Gramin Bank charges a processing fee of up to ₹ 500
- Minimum of ₹ 300 charge, that 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.
Sarva UP Gramin Bank Gold Loan Overdraft Scheme
Sarva UP Gramin Bank offers an Overdraft Scheme. With this, the loan amount is provided as an overdraft facility. It functions as a Credit Card, where you can spend your Gold Loan Amount as per your wishes, anytime anywhere. The overall loan amount will have a Credit/Loan Limit. In the Sarva UP Gramin Bank Gold Loan Overdraft facility, the bank charges interest only on the amount you withdraw/utilize.
FAQs About Sarva UP Gramin Bank Gold Loan
✅ What is Sarva UP Gramin Bank Gold Loan?
Sarva UP Gramin Bank Gold Loan is a secured loan that can be availed by using your gold as a security with the bank. The Sarva UP Gramin Bank Gold Loan is an instant solution for all your urgent monetary needs. The rate of interest starts at 10.70% per annum with a maximum loan tenure of 12 months.
✅ How can I get Gold Loan from Sarva UP Gramin Bank?
You can avail Gold Loan from the Sarva UP Gramin Bank is a hassle-free and straightforward process:
- Fill in your vital information in the form available on Dialabank.
- Our trained Relationship Manager will get in touch with you within 30 minutes.
- We will suggest you the loan according to your requirements, in your specific city.
- Visit the assigned branch of the bank.
- Get the loan sanctioned in just 30 minutes.
✅ How much Gold Loan can I get per gram in Sarva UP Gramin Bank?
The Gold loan per gram rate by Sarva UP Gramin Bank varies daily, and you will have to contact the customer care executive for the same. The bank gives a Loan to a Value of 75%.
✅ How does Sarva UP Gramin Bank Gold Loan work?
The Sarva UP Gramin Bank Gold Loan is a secure credit availing service available for those who have urgent cash requirements and can pledge gold ornaments as collateral security. Once the gold pledged with the bank is valued, the bank processes the loan amount in your indicated account immediately. Various repayment options are available for repaying the loan.
✅ What is the Gold Loan interest rate in Sarva UP Gramin Bank?
The rate of interest depends on the total amount of the loan and the purpose of the loan. Sarva UP Gramin Bank rate of interest begins from 5.88% per annum.
✅ What is the maximum loan amount I can avail myself of on a Gold Loan from Sarva UP Gramin Bank?
You can get a maximum amount of Rs 1 crore on a Sarva UP Gramin Bank Gold Loan as the bank offers around 75% of the gold ornaments’ market value.
✅ What is the loan tenure of Sarva UP Gramin Bank Gold Loan?
The maximum tenure of your Sarva UP Gramin Bank Gold Loan is up to 36 months. However, you’ll be required to renew your loan plan after a year.
✅ How much Processing Fee is applicable on Sarva UP Gramin Bank Gold Loan?
No processing fee is charged.
✅ What if I can’t pay the interest on Sarva UP Gramin Bank Gold Loan for 3 months?
If someone defaults on the payments of Sarva UP Gramin Bank Gold Loan interest for 3 months, a penalty fee is charged on the total amount due and in case of repeated defaults, the bank will have the authority to auction your gold ornaments to recover the amount publicly.
✅ How can I apply for EMI Moratorium on Sarva UP Gramin Bank Gold Loan?
You can apply for the Sarva UP Gramin Bank Gold loan moratorium online by logging in with your credentials or by personally visiting the main branch. The moratorium request has to be submitted at least five working days before the due date of your EMI.
✅What is the Overdraft Scheme for Sarva UP Gramin Bank Gold Loan?
Sarva UP Gramin Bank does provide an Overdraft Scheme and the overall loan amount will have a Credit/Loan Limit. In the Sarva UP Gramin Bank Gold Loan Overdraft facility, the bank charges interest only on the amount that you will withdraw/utilize.
✅What is the Sarva UP Gramin Bank Gold Loan closure procedure?
Once the loan is paid, the bank will close your gold loan immediately.
✅What is the Sarva UP Gramin Bank customer care number?
The customer care number is 9878981144
✅ What are Sarva UP Gramin Bank Gold Loan Preclosure charges?
There are no preclosure charges for Sarva UP Gramin Bank.
✅What is the maximum gold loan tenure?
The maximum gold loan tenure is up to 36 months
✅ What is the minimum gold loan tenure?
The minimum gold loan tenure is 6 months
✅ What are the foreclosure charges of the Sarva UP Gramin Bank Gold Loan?
Sarva UP Gramin Bank charges an interested borrower up to .50% on the principal amount in case of a Gold Loan Foreclosure.