⍟  Lowest Interest Rate of 0.79% p.m.
⍟  Highest Rate Per Gram ₹ 5,121
⍟  No Melting of Your Gold
⍟  Get Loan in 1 Visit Only
⍟  100% Safety of Your Gold (kept in Bank Locker)

APPLY FOR

Ujjivan Small Finance Bank Gold Loan

I have read the Privacy Policy & Agree to Terms & Conditions and authorize Dialabank & its partner institutions to Call or SMS me with reference to my application.

Ujjivan Small Finance Bank Gold Loan Bank Features – Apply Now

USF Bank Gold Loan Interest Rate 7.0% per annum
USF Bank Gold Loan Rate Per Gram
Rate Per Gram is ₹ 5,121
USF Bank Gold Loan Processing Fee
0.85% of the Principal Loan Amount
USF Bank Maximum Gold Loan Amount
Up to Rs. 1 Crore (With Income Proof)
USF Bank Minimum Gold Loan Amount
70% LTV
USF Bank Gold Loan Prepayment Charges
2%+GST (Within 3 Months), 0 (After 3 months)
USF Bank Gold Loan Repayment Tenure
Up to 36 Months
USF Bank Gold Loan Repayment Scheme
Bullet Payment Scheme, Overdraft Scheme

Advantages of Ujjivan Small Finance Bank (USF) Gold Loan?

Advantages of Ujjivan Small Finance Bank Gold Loan via Dialabank

 

  • The bank is very dedicated to its customers.
  • High Loan amount
  • Quick processing.
  • Worse credit history/ CIBIL score, not an issue
  • Instant Processing and Disbursal
  • Low-interest rates
  • Minimum documentation required
  • Flexible repayment options
  • Bank charges a borrower up to .50% on the principal outstanding in case of a Gold Loan Foreclosure.

How Much Gold Loan Can I Get Through Ujjivan Small Finance (USF) Bank?

According to the latest gold prices, Ujjivan Small Finance (USF) Bank is offering gold loans per gram at Rs 5121. The highest amount offered by Ujjivan Small Finance (USF) Bank for gold per gram today is ₹ 5,121 for 24-carat jewelry calculated at a maximum LTV of 75% and average gold loan prices of the last 30 days in 2020 are ₹ 5,121 of 22 carats.

Ujjivan Small Finance Bank Gold Loan Per Gram-Update January 2021

  Ujjivan Small Finance Bank Gold Loan Per Gram-Update January 2021
Weight Loan on 18Cr gold Loan on 20Cr gold Loan on 22Cr gold Loan on 24Cr Gold
1 gm 2450 2732 3015 3297
10 gms 24500 27320 30150 32970
20 gms 49000 54640 60300 65940
30 gms 73500 81960 90450 98910
50 gms 122500 136600 150750 164850
100 gms 245000 273200 301500 329700
200 gms 490000 546400 603000 659400
300 gms 735000 819600 904500 989100
500 gms 1225000 1366000 1507500 1648500

About Ujjivan Small Finance (USF) Bank Gold Loan

Ujjivan Small Finance Bank is a private sector bank and founded on 1st February 2017. The bank provides several financial banking and non-banking facilities. It includes a gold loan, personal loan, home loan, and education loan. Gold loan is also known as a loan against gold. It comes under secured loans. In a gold loan, you get a loan amount against your gold jewelry from the banks or non-banking financial companies at some rate of interest. This loan amount is given for a given tenure of time.
 
Gold Loan is preferred because it is quickly disbursed, easy to access. Another thing is that if you have gold in any form and you are not using this gold, and if you want it to put safely in the bank you have to buy a locker n bank, and you will be charged for this and bank will not take its full responsibility. So it’s better to get the gold loan you will get money as the security of your gold at the same time and same place. What would be better than this?
 
  • Ujjivan Small Finance (USF) Bank Gold Loan Interest Rate is 7.0% per annum
  • Ujjivan Small Finance (USF) Bank Gold Loan Per Gram Rate is ₹ 5,121
  • Ujjivan Small Finance (USF) Bank Gold Loan Tenure: Up to 36 months
  • Ujjivan Small Finance (USF) Bank Gold Loan Processing Fee is Up to 0.85% of the Loan Amount + GST

Ujjivan Small Finance (USF) Bank Gold Loan Eligibility

Age 18-75 years
Requirements Gold ornaments (18-22 carats)
CIBIL score Above 500
Nationality  Indian

Ujjivan Small Finance (USF) 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 colored

Ujjivan Small Finance (USF) Bank Gold Loan Interest Rates, Fees and Charges

USF Gold Loan Interest Rate 7.0% per annum
Processing Fee
0.85% 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

Types of Ujjvan Small Finance Bank (USF)

  • Farmers applying for the agricultural loan get special interest rates.
  • Gold loan for any other purposes other than agricultural activities makes to charge slightly higher interest rates.

Ujjivan Small Finance (USF) Bank Gold Loan Apply Online

  • Visit Dialabank
  • Fill the Gold Loan form
  • Wait for our relationship manager to contact you with the best offers.

Ujjivan Small Finance (USF) Bank Gold Loan EMI 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 Ujjivan Small Finance (USF) Bank Gold Loan EMI?

Your Ujjivan Small Finance Bank gold loan can be repaid in the following ways:

  1. Standing Instruction (SI): If you are a current record holder with the Ujjivan Small Finance Bank, Standing Instruction is the best method of repayment.
  2. Electronic Clearing Service (ECS): This can be utilized if you have a non-Ujivan Small Finance Bank account and might want your EMIs to be charged consequently.

Ujjivan Small Finance (USF) Bank Gold Loan Contact Number

For any assistance in case of a gold loan from Ujjivan Small Finance Bank required you may contact on the number 9878981144.

Gold Ornaments Accepted by Ujjivan Small Finance Bank (USF)

Gold jewelry 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 Ujjivan Small Finance (USF) Bank Gold Loan

The loan amount acquired by availing the Ujjivan Small Finance 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

Ujjivan Small Finance Bank Agricultural Jewel Loan Scheme

Scheme  Agricultural Jewel Loan Scheme
Interest Rate  Starting from 7% (depends on the sum of the loan
Least amount of Loan Depends on the value of  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 Ujjivan Small Finance Bank Agricultural Jewel Loan Scheme

  • There is no processing fee is applicable up to ₹ 25,000
  • 0.30% of the loan amount, Minimum of ₹ 300 charge is applicable to the amount ranging from above ₹  25,000 – less than ₹ 5 lakh
  • 0.28% of the credit sum, subject to at least Rs.1,500 is applicable to the amount more than Rs.5 lakh however under Rs.1 crore

Ujjivan Small Finance Bank Gold Loan Overdraft Scheme

USB Bank Offers an Overdraft Scheme. With this, you are provided a loan amount as an overdraft facility. It works like a Credit Card, where you can spend your Gold Loan Amount as you want anytime anywhere. The overall loan amount will have a Credit/Loan Limit. In the USF Bank Gold Loan Overdraft facility, the bank charges interest only on the amount you withdraw/utilize.

FAQs About Ujjivan Small Finance (USF) Bank Gold Loan

What is Ujjivan Small Finance (USF) Bank Gold Loan?

Ujjivan Small Finance Bank will provide you up to ₹20 Lakhs Bank will accept gold in all forms with purity 18 karat to 22 karats at competitive interest rates and tenure of maximum 24 months. This loan can be used for solving any monetary issues faced by the borrower.

How can I get a Gold Loan from Ujjivan Small Finance (USF) Bank?

Gold Loan from Ujjivan Small Finance can be availed in the mentioned easy steps:

  • Go on to Dialabank and fill up the details asked for.
  • Within 30 minutes, you will be talking to our well-trained Relationship managers.
  • You will be told about the different types of loans according to your needs.
  • Visit the nearest branch of the selected bank.
  • Your loan approval will be done in half an hour.

How much Gold Loan can I get per gram in Ujjivan Small Finance (USF) Bank?

The loan rate per gram of gold offered by Ujjivan Small Finance Bank is Rs 5,121. The bank gives a Loan to Value of 75%.

How does Ujjivan Small Finance (USF) Bank Gold Loan work?

The Ujjivan Small Finance 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 Ujjivan Small Finance (USF) Bank?

The rate of interest depends on the total amount of the loan and the purpose of the loan. Ujjivan Small Finance Bank rate of interest begins from 7.0% per annum.

How to check Ujjivan Small Finance (USF) Bank Gold Loan status?

You can check the status of your Gold Loan by visiting the bank’s branch and contacting the loan officer who is in charge of your file.

 How to calculate Gold Loan Interest in Ujjivan Small Finance (USF) Bank?

You can easily calculate the gold loan interest rate in Ujjivan Small Finance Bank by subtracting the principal amount from the total sum to be paid.

What is the maximum loan amount I can avail on Gold Loan from Ujjivan Small Finance (USF) Bank?

You can get a maximum amount of Rs 1 crore on a Ujjivan Small Finance Bank Gold Loan as the bank offers around 75% of the gold ornaments’ market value.

What is the loan tenure of Ujjivan Small Finance (USF) Bank Gold Loan?

The maximum tenure of your Ujjivan Small Finance 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 to Ujjivan Small Finance (USF) Bank Gold Loan?

A processing fee of up to 0.85% of the loan amount or ₹1000 whichever is higher is charged.

How to renew Ujjivan Small Finance (USF) Bank Gold Loan?

Renewal of the Gold Loan by Ujjivan Small Finance Bank can be done by visiting the bank branch with all your documents related to the gold loan, getting the gold kept as security released, and revalued based on the market prices and agreeing on the new terms formed.

What are the charges for renewal in Ujjivan Small Finance (USF) Bank Gold Loan?

Bank charges approximately Rs. 250- Rs. 500 for renewal of the gold loan.

What are the charges for Prepayment in Ujjivan Small Finance (USF) Bank Gold Loan?

Ujjivan Small Finance Bank charges nothing for the prepayment of the gold loan.

How to pay Ujjivan Small Finance (USF) Bank Gold Loan Interest online?

The bank provides various methods to pay the loan amount such as a Standing Instruction or an ECS. For more information, contact the customer care executive of the bank or visit the branch directly.

What if I can’t pay the interest on Ujjivan Small Finance (USF) Bank Gold Loan for 3 months?

If someone defaults on the payments of Ujjivan Small Finance 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 Ujjivan Small Finance (USF) Bank Gold Loan?

You can apply for the Ujjivan Small Finance 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.

How to pay Ujjivan Small Finance (USF) Bank Gold loan through credit card?

As per RBI Guidelines, the Ujjivan Small Finance Bank Gold loan cannot be repaid via credit cards. Other payment modes such as net banking, debit cards, cheques, DDs can be used for loan repayment.

What is Ujjivan Bank Gold Loan Overdraft Scheme

Ujjivan Bank Offers an Overdraft Scheme. With this, you are provided a loan amount as an overdraft facility. It works like a Credit Card, where you can spend your Gold Loan Amount as you want anytime anywhere. The overall loan amount will have a Credit/Loan Limit. In the Ujjivan Bank Gold Loan Overdraft facility, the bank charges interest only on the amount you withdraw/utilize.

What is Ujjivan Bank Gold Loan Contact Number?

For any assistance regarding a gold loan in Ujjivan Bank, you can contact on the number 9878981144.

What is the foreclosure procedure for Ujjivan Small Finance Bank Gold Loan?

A borrower is required to pay 0.50% in case of a Gold Loan Foreclosure.

What is the Ujjivan Small Finance Bank Gold Loan closure procedure?

The Gold loan will only close after the payment is done in full.

✅ What is Ujjivan Small Finance Bank Gold Loan Preclosure charges?

The Bank preclosure charges are 2%+GST (Within 3 Months), 0 (After 3 months)

 What is the maximum gold loan tenure?

The Ujjivan Small Finance Bank Gold Loan maximum gold loan tenure is 36 months.

 What is the minimum gold loan tenure?

The minimum gold loan tenure is 6 months for Ujjivan Small Finance Bank.

Other Major Gold Loan Providers
 

Table of Contents

Menu