GET GOLD LOAN
AT LOWEST INTEREST RATE

⍟  Highest Rate Per Gram
⍟  Lowest Interest Rate of 0.79% p.m.

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    Ujjivan Small Finance Bank Gold Loan

    Ujjivan Small Finance Bank Gold Loan Bank Features – Apply Now

    USF Bank Gold Loan Interest Rate 7% per annum
    USF Bank Gold Loan Rate Per Gram
    Rate Per Gram is ₹ 3,506 to ₹ 4,621
    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 a Gold Loan Interest Rate at 7% per annum. The highest amount offered by Ujjivan Small Finance Bank for gold per gram today is ₹ 3,506 to ₹ 4,621 for 24-carat jewellery calculated at a maximum LTV of 75% and average gold loan prices of the last 30 days in 2021 are ₹ 3,506 to ₹ 4,621 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 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% per annum
    • Ujjivan Small Finance (USF) Bank Gold Loan Per Gram Rate is ₹ 3,506 to ₹ 4,621
    • 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 Bank Gold Loan Eligibility

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

    Ujjivan Small Finance 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% 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 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 Bank Gold Loan EMI?

    Your Ujjivan Small Finance Bank Gold loan per gram 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 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 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% 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 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 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 ₹ 3,506 to ₹ 4,621. 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% per annum 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 of 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
     

     

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