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    Uttar Bihar Gramin Bank Gold Loan Per Gram

    Uttar Bihar Gramin Bank Gold Loan Per Gram is ₹ 3,506 to ₹ 4,621

    Uttar Bihar Gramin Bank Gold Loan Per Gram Today Gold Loan Rate Per Gram Today is ₹ 3,506 to ₹ 4,621
    Eligible Age 18 to 75 years
    Loan Amount Eligibility Rs. 1,000 to Rs. 2 Cr
    Documents Required Basic KYC documents for address and identity proof. No income documents and no CIBIL score documents are required.
    Purity of Gold 18 carat to 22 carat
    Type of Gold Gold jewelry and gold coins of 18-24 carats
    Loan To Value 25% of the gold ornament’s market value

    The Uttar Bihar Gramin Bank Gold Loan is help offered by the bank that licenses customers to use the gold they own to apply for a gold credit to meet their money-related prerequisites. The Uttar Bihar Gramin Bank appreciates various advantages similarly as a low credit expense.

    Uttar Bihar Gramin Bank Gold Loan Calculator 

    • Praiseworthy nature and netload of gold used in upgrades: Gold used in pearls should be someplace in the degree of 18 and 24 carats unadulterated. To get comfortable with the net weight, Uttar Bihar Gramin Bank will kill the meaning of diamonds and stones from the firm weight of the gems. You would now be able to check the most recent gold rate at Dialabank. 
    • Uttar Bihar Gramin Bank will gather the faultlessness and netload of gold in your upgrades by the expense of gold to pick its worth. The Reserve Bank of India has initiated Indian banks to use the 30-day basic expense of 22-carat gold, adjusted to goodness. Uttar Bihar Gramin Bank can change the value of gold in the event that it is 20-carat ethics by using the 30-day standard of 22-carat gold stretched out by a factor of 20/22. AU Small Finance Bank will change the value of gold in the event that it is 20-carat upstanding. You can likewise demand the latest gold rate at Dialabank.                      Uttar Bihar Gramin Bank Gold Loan    
    • Credit to Value Ratio: After picking the value of your pearls, Uttar Bihar Gramin Bank will use a LTV of up to 75% to pick your ability for the valuable stone turn of events. Uttar Bihar Gramin Bank will give you a lower financing cost in the event that you can take an improvement complete that isn’t by and large your most basic LTV.

    Uttar Bihar Gramin Bank Rate Per Gram by Gold Purity

    The table under shows an appraisal of the gold development per gram that Uttar Bihar Gramin Bank would give against gold enhancements of various righteousness levels at a most limit LTV of 75% and a lower LTV of 65%.

    Gold Purity Gold Rate Per Gram- Average Of Past 30 Days Highest Gold Loan Per Gram Lowest Gold Loan Per Gram
    22 carat ₹ 4,620 ₹ 4,999 ₹ 4,956
    20 carat ₹ 3,939 ₹ 4,178 ₹ 3,795
    18 carat ₹ 3,545 ₹ 3,784 ₹ 3,460

    The above table shows the method by which Banks will calculate your per gram gold loan for gold of varying purity.

    • Gold loan per gram offer for 22-carat jewelry will be between ₹ 4,620 to ₹ 4,956
    • Gold loan per gram offer for 20-carat jewelry will be between ₹ 3,795 to ₹ 4,178
    • Gold loan per gram offer for 18-carat jewelry will be between ₹ 3,460 to ₹ 3,784

    Uttar Bihar Gramin Bank Gold Loan Rates Per Gram

    The following table shows Uttar Bihar Gramin Bank Loan Rates per gram – Jun 21 2021

    Updated - Gold Loan Per Gram Rate w.e.f Jun 21 2021

    Gold Weight Gold Purity
    24 Carat
    Gold Purity
    22 Carat
    Gold Purity
    20 Carat
    Gold Purity
    18 Carat
    1 gram 4621 4290 3900 3510
    10 gram 46210 42900 39000 35100
    20 gram 93600 85800 78000 70200
    30 gram 140400 128700 117000 105300
    40 gram 187200 171600 156000 140400
    50 gram 234000 214500 195000 175500
    100 gram 468000 429000 390000 351000
    200 gram 936000 858000 780000 702000
    300 gram 1404000 1287000 1170000 1053000
    400 gram 1872000 1716000 1560000 1404000
    500 gram 2340000 2145000 1950000 1755000

    Historical Gold Loan Rates Per Gram 

    Indians are among the world’s driving buyers of gold. Indians will all around buy gold since it is seen as a ‘gotten’ theory. Cash related allies study the business zones at changes in costs, which direct income. Award, us to look at the essential need chronicled gold credit rates per gram insinuated under:

    This Table Contains the Average Annual Gold Rate from 1964 - 2021
    Year Price (24 karat per 10 grams) Year Price (24 karat per 10 grams)
    1964 ₹ 63.25 1993 ₹ 4,140.00
    1965 ₹ 71.75 1994 ₹ 4,598.00
    1966 ₹ 83.75 1995 ₹ 4,680.00
    1967 ₹ 102.50 1996 ₹ 5,160.00
    1968 ₹ 162.00 1997 ₹ 4,725.00
    1969 ₹ 176.00 1998 ₹ 4,045.00
    1970 ₹ 184.00 1999 ₹ 4,234.00
    1971 ₹ 193.00 2000 ₹ 4,400.00
    1972 ₹ 202.00 2001 ₹ 4,300.00
    1973 ₹ 278.50 2002 ₹ 4,990.00
    1974 ₹ 506.00 2003 ₹ 5,600.00
    1975 ₹ 540.00 2004 ₹ 5,850.00
    1976 ₹ 432.00 2005 ₹ 7,000.00
    1977 ₹ 486.00 2006 ₹ 8,400.00
    1978 ₹ 685.00 2007 ₹ 10,800.00
    1979 ₹ 937.00 2008 ₹ 12,500.00
    1980 ₹ 1,330.00 2009 ₹ 14,500.00
    1981 ₹ 1,800.00 2010 ₹ 18,500.00
    1982 ₹ 1,645.00 2011 ₹ 26,400.00
    1983 ₹ 1,800.00 2012 ₹ 31,050.00
    1984 ₹ 1,970.00 2013 ₹ 29,600.00
    1985 ₹ 2,130.00 2014 ₹ 28,006.50
    1986 ₹ 2,140.00 2015 ₹ 26,343.50
    1987 ₹ 2,570.00 2016 ₹ 28,623.50
    1988 ₹ 3,130.00 2017 ₹ 29,667.50
    1989 ₹ 3,140.00 2018 ₹ 31,438.00
    1990 ₹ 3,200.00 2019 ₹ 35,220.00
    1991 ₹ 3,466.00 2020 ₹ 48,651.00
    1992 ₹ 4,334.00 2021 ₹ 50,045.00

    Major Banks Gold Loan Per Gram Rate Comparison

    Feature
    Manappuram
    Axis Bank
    Yes Finance
    Interest Rate
    9.90%
    12.50%
    9.99%
    Min Loan Amt
    Metro : 25000, Non : 15000
    25000
    15000
    Max Loan Amt
    1 Cr
    1 Cr
    1 Cr
    Loan Tenure
    3 months to 24 months
    9 months to 24 months
    1 month to 24 months
    Processing Fee
    0.25% to 1.50% of the Loan Amt
    0.25% to 1.50%
    Nil
    Preclosure Chgs
    2%, Nil foreclosure charges after 3 months
    2%, Nil foreclosure charges after 9 months
    Nil
    Overdraft Facility
    Yes
    Yes
    Yes
    Pay Only Interest Facility
    Yes
    Yes
    Yes
    Gold Rate Per Gram
    3,124
    3,073
    3,069

    Tips to get the highest Amount Per Gram from Uttar Bihar Gramin Bank

    For a gold credit, Uttar Bihar Gramin Bank sees both hallmarked and non-hallmarked pearls. Regardless, in the event that you have brand name pearls, you can get the most raised Uttar Bihar Gramin Bank gold credit per gram considering how the valuer is less orchestrated to condemn it. Similarly, some money-related affiliations charge lower trade costs for hallmarked gold pearls.

    The Uttar Bihar Gramin Bank Gold Loan Per Gram change the expense of 22-carat gold to address flawlessness. In like way, get against higher-flawlessness embellishments if possible, as this will get you the most money for a gold credit.

    Uttar Bihar Gramin Bank Gold Loan will use the net heap of your moves up to pick the degree of gold progression you are ready for. Per Gram Gold Advance from Uttar Bihar Gramin Bank, Choose gems with the least pearls and stones whatever amount as could be anticipated. The meaning of pearls and stones will be deducted from the overall pile of the gems by a tremendous fragment of the banks. To pick the net weight, Uttar Bihar Gramin Bank will depend on the assessment of its gold valuer. As more gems and stones are applied to a piece of pearls, the supreme weight and worth of the piece decrease, achieving a lower gem advance you are ready for.

    On gold, it’s a standard practice to zero in on the most fundamental possible LTV. The RBI has permitted Uttar Bihar Gramin Bank to charge the best LTV of up to 75% while taking care of the degree of gold credit you are ready for.


    gold loan at 7%

    हिंदी में पढ़े | தமிழில் படியுங்கள்

    Model: The development entirety is directed by the flawlessness of gold, the LTV, and the substantialness of gold. Anticipate that Rohit, Abhishek, and Bala each own differentiating measures of gold of evolving excellence. Rohit has 70 grams of gold with an 18-carat ideal. Abhishek has 60 grams of gold that is 20 carats unadulterated, and Bala has 50 grams of gold that is 22 carats unadulterated. They apply for a gold credit with Uttar Bihar Gramin Bank. The worth used to choose their gold credit all-out capability subject to the best LTV of 75% would move dependent upon the ethicalness of gold, achieving different gold development capabilities.

    Carats / Weight Of Gold Gold Weight (In Gm) Purity Of Gold (In Carat) Gold Loan Eligibility
    Rohit 70 18 ₹ 2.60 Lakh
    Abhishek 60 20 ₹ 2.48 Lakh
    Bala 50 22 ₹ 2.27 Lakh

    Bala, who has the littlest gold load of 50gm, will get the most minimal gold advance pace of 2.27 Lakh from Uttar Bihar Gramin Bank, as found in the representation above.

    Since Rohit has the most gold weight, Uttar Bihar Gramin Bank will give him the most elevated gold advance amount of Rs 2.60 lakh in a similar model.