Utkarsh Small Finance Bank Gold Loan

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Unlock the Real Value of your Gold

Rates as low as 1% p.m.
Get Money in 30 Mins
Loan Amount Up to 1 Crore
Loan Tenure Up to 48 Months
Unbiased Experts Advice

About Utkarsh Small Finance Bank Gold Loan

Utkarsh Small Finance Bank Gold LoanUtkarsh Small Finance Bank is a private sector bank that was founded in 2016. The bank provides banking services including Gold Loan, Car Loan, Personal Loan, Home Loan, and Education Loan. Gold Loan is quick disbursing loan with easy documentation and low interest rates.

Advantages of Utkarsh Small Finance Bank Gold Loan

No income and salary criteria: Gold loans do not require any qualifications for income or salary of the person. So even if you are unemployed and unsalaried you can still avail of a gold loan. This is because you are pledging a valuable asset, gold in return of the money.

CIBIL Score: Available also in case of bad credit history or low-income level.

You need to repay only the interest: You have the option to pay only the interest during the tenure of the entire gold loan and at the end of tenure, you can pay the entire borrowed amount in a single shot.

Total Convenience: The most convenient of all the loans is a gold loan because in this all you have to do is pledge your gold with a bank or a private finance institute and the work is done. You can get a loan up to 80% of its market value immediately.

Less processing time: No tedious and lengthy documentation is required in case of gold loans, hence it can be resorted to in times of urgent needs. Banks take a few hours in the processing of the gold loan whereas some NBFC’s state that they only take a few minutes for the same task.

Utkarsh Small Finance Bank Gold Loan Interest Rate

  • Interest rates offered by the bank to the customers are low. It starts at 10.70% per annum.
  • Processing fees are 2% of the loan amount.
  • Prepayment charges are 2% to 4%.

Utkarsh Small Finance Bank Gold Loan Eligibility

  1. The applicant should be older than 18 years.
  2. The acceptable forms of the gold.
  3. The purity of the gold can be 18 Carat to 22 Carat.

Documents Required for Utkarsh Small Finance Bank Gold Loan

Identity proof(ANY):

  1. Passport
  2. Voter ID card
  3. Driving license
  4. 3 passport size colored photos.

Residence proof(ANY):

  1. Aadhar card
  2. Voter card
  3. Passport
  4. Voter ID card
  5. Driving license
  6. Electricity/water bill for the last three months with the name of the applicant

How to Apply for Utkarsh Small Finance Bank Gold Loan?

  1. Visit www.dialabank.com
  2. Fill Gold Loan Form
  3. Our relationship managers will get back to you with the required information.
  4. For more information, you may call on 60011600.

FAQs About Utkarsh Small Finance Bank Gold Loan

Q. How much Gold Loan can I get per gram in Utkarsh Small Finance Bank?

The rate of the loan per gram of gold depends upon the quality of your gold that is to be pledged by you. It also depends on the market price of gold prevailing in the market.

Q. What is Utkarsh Small Finance Bank Gold Loan?

Utkarsh Small Finance Bank gives high funding to the customer against Gold. Furthermore, the bank provides Gold Loan at a low rate of interest. It is a safe and secure method and the bank takes full responsibility for the safety of your gold ornaments.

Q. What is the Gold Loan interest rate in Utkarsh Small Finance Bank?

The interest rates charged by the bank depending upon the amount of the loan. The higher the amount of loan, the lower the amount of interest charged. The bank also charges some processing fee on the loan.

Q. How to apply Gold Loan in Utkarsh Small Finance Bank?

You can apply for the loan by visiting the nearest branch of the bank or applying online through Dialabank’s digital platform by filling a form with basic information to get the best offers on gold loans.

Q. How to renew Utkarsh Small Finance Bank Gold Loan online?

Renewal procedure of Gold Loan required your presence in the branch as the gold you kept earlier with the bank has to be dealt with. For detailed information, contact the customer care executive or visit the branch directly.

Q. How to take Gold Loan from Utkarsh Small Finance Bank?

You can take a Gold Loan in few hours and fulfil all your monetary needs. Just visit the nearest Utkarsh Small Finance Bank branch with your Gold and start your loan application process. The disbursement occurs after verification and valuation of your pledged gold and approval of the application.

Q. What is Gold Loan in Utkarsh Small Finance Bank?

Gold Loan is a loan against your gold ornaments or coins which can be used to fulfil any emergency money requirements. The rate of interest charged on such loans is less as compared to home loans or personal loans as these are fully secured loans. Utkarsh Small Finance Bank provides Gold Loan facilities at an attractive rate of interest for a maximum period of 12 months.

Q. How to get Utkarsh Small Finance Bank Gold Loan?

Utkarsh Small Finance Bank provides Gold Loan disbursal in the bank account to the eligible candidates on the same day as approval of the loan. The candidates just need to visit the branch with documents and gold and get the application approved. For getting the best offers on Gold Loans to apply today at Dialabank.com.

Q. How to check Utkarsh Small Finance Bank Gold Loan status?

You can check the status by emailing the bank’s executive and asking them about your application or by visiting the branch and meeting the loan officer. In most cases, the disbursal of the amount is done on the same day of the approval of the application.

Q. How to close Utkarsh Small Finance Bank Gold Loan?

Generally, the banks provide you with various option to repay the amount. You can make a bullet payment with servicing interest or pay EMIs. You can do it by SI, ECS or Post Dated Cheques. Do not forget to collect NDC after clearing the dues.

Q. How to renew Utkarsh Small Finance Bank Gold Loan?

The renewal process requires your presence in the bank branch. You need to get the gold revalued and new terms are formed and required to be agreed upon for completing the renewal process.

Q. What happens if someone defaults Utkarsh Small Finance Bank Gold Loan?

If someone defaults with repayment of the Gold Loan, the bank charges a penalty fee from the borrower and has the right to auction off the gold kept as security to recover the amount.

Q. How many branches of Utkarsh Small Finance Bank Gold Loan?

The bank has more than 450 branches providing efficient services to their customers.

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