Uttar Bihar Gramin Bank Gold Loan

GOLD LOAN @ 0.57%*
APPLY NOW

⍟  Highest Rate Per Gram
⍟  Lowest Interest Rate of 0.57% p.m.

    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.

    Uttar Bihar Gramin Bank Gold Loan

    Uttar Bihar Gramin Bank Gold Loan Key Features – Apply now

    Uttar Bihar Gramin Bank Gold Loan Interest Rate online Starting 7% per annum
    Uttar Bihar Gramin Bank Gold Loan Rate per Gram Rate Per Gram Today is ₹ 3,506 to ₹ 4,621
    Uttar Bihar Gramin Bank Maximum Loan Amount Up to Rs. 10 lakh
    Uttar Bihar Gramin Bank Minimum Loan Amount up to 70% LTV, 90% for high-interest rates
    Uttar Bihar Gramin Bank Prepayment Charges 2%+GST (Within 3 Months), 0 (After 3 months)
    Uttar Bihar Gramin Bank Gold Requirement 18 Carat – 22 Carat
    Uttar Bihar Gramin Bank Gold Loan Processing Fee 1% of the Principal Loan Amount
    Uttar Bihar Gramin Bank Repayment Tenure 6 Months to 36 Months
    Uttar Bihar Gramin Bank Gold Loan Schemes Bullet Payment Scheme, EMI Scheme

    About Uttar Bihar Gramin Bank Gold Loan

    Uttar Bihar Gramin Bank is an (RRB) Regional Rural Bank in the State of Bihar, India. Uttar Bihar Gramin Bank is one of the largest Regional Rural Bank in the Country in terms of branch network as well as staff strength moreover area of operation. The bank is headquartered in Muzaffarpur
    Uttar Bihar Gramin was created from the amalgamation of Uttar Bihar Kshetriya Gramin Bank and Kosi Kshetriya Gramin Bank which are transferor regional rural banks by the Indian government in the year 1976 as per the notification issued by the Ministry of Finance under Sub-Section (1) of Section 23 A of the RRB Act 1976.
    Besides that, the bank is sponsored by the Central Bank of India in the state of Bihar as a single RRB.

     

    Uttar Bihar Gramin Bank Gold Loan Interest Rate

    In general Loan on Gold, credit is available at a low-interest rate. Moreover, the reason behind that the gold loan comes in the category of secured loans. So the Gold loan interest rate online is less than that of a personal loan or any other kind of loan.

    Though the Gold loan rate keeps on changing with the passage of time as well as person to person. Uttar Bihar Gramin Bank Gold Loan is available at 1% per month interest rate.

    Gold Loan Rate
    Repayment Scheme
    Bullet Repayment Scheme, Overdraft Scheme
    Prepayment Charges 0 – 2 %.
    Service Charges variable
    Document Charges variable
    Gold Valuation Charges variable
    Processing Fee 0.85%.

    Why Should You Choose Uttar Bihar Gramin Bank Gold Loan?

    So many banks and non-financial organizations provide a Gold Loan. Then why should you choose Uttar Bihar Gramin Bank for a Gold Loan? Here are some reasons

    1. The bank guarantees the best services to its customers
    2. The bank allows you to avail of loans for small amounts in thousands to large amounts in lakhs.
    3. The gold loan takes just 5 minutes to be sanctioned.
    4. No minimum CIBIL score requirement.
    5. Attractive interest rates are offered
    6. No income proof is required
    7. If you are not comfortable in repaying through EMIs, the bank offers other repayment options

    Uttar Bihar Gramin Bank Gold Loan Advantages

     

    • Less Documentation Process – Documentation requirements for availing a Gold Loan from Uttar Bihar Gramin Bank are quite less. The applicants are not asked to provide lengthy proof to avail of the financial service.
    • Easy to get – Availability of Uttar Bihar Gramin Bank Gold Loan service is excellent. That is, people can easily avail of a gold loan at nearby branches.
    • CIBIL Score – Credit Score does not matter in this service, that is, the applicant does not have to worry about low credit repayment history. If anybody has a bad repayment history, they can improve the same by taking a Gold Loan.
    • Processing Fees – Uttar Bihar Gramin Bank does charge a very low processing cost for a loan application. The other charges such as charges for documentation and gold valuation are also very low.
    • Tenure– Uttar Bihar Gramin Bank provides a flexible period of the loan. It starts at 6 months and can go up to 3 years.
    • Safety – The protection of ornaments is the responsibility of the bank. That is, the applicant does not have to worry about the ornaments they have deposited.
    • Simple Process – The system of this service is very transparent. That is, Uttar Bihar Gramin Bank does not hide anything from the customers.
    • Foreclosure charges – The bank charges up to 0.50% of the principal amount as Foreclosure charges.

    Uttar Bihar Gramin Bank Gold Loan Eligibility

    Age 18-70 years of age
    Nationality Indian
    Employment Status
    Salaried, Self-Employed
    Gold Quality, Quantity
    Minimum 18 Carats, minimum 10 grams
    Requirements
    Gold ornaments (18-22 carats)
    CIBIL score Above 500

    Uttar Bihar Gramin Bank Gold Loan Documents

    Photographs
    2 Passport-Sized latest coloured photos
    Identity Proof
    Aadhar Card, Passport, PAN Card, etc. (Only 1 is required)
    Residence Proof
    Aadhar Card, Driving License, Ration Card, etc. In the case of Rented House then the rent agreement or water/electricity bills for the last three months can be considered. (Only 1 is required)
    Agricultural Land Proof
    Required only if the Loan is taken for Agricultural Purpose. In the case of Agriculture Loan on the gold of more than Rs. 1 lakh there is no requirement of proof for allied agriculture purposes.
    Demand Promissory Note
    Certificate by the Jewel Appraiser (Bank will arrange)

    Uttar Bihar Gramin Bank Gold Loan per gram – January 2021

    Uttar Bihar Gramin Bank Gold Loan Rates/ Gram w.e.f. January 2021
    Weight Loan on 18Cr Gold Loan on 20Cr Gold Loan on 22Cr Gold Loan on 24Cr Gold
    1 gm 2448 2730 3013 3295
    10 gms 24480 27300 30130 32950
    20 gms 48960 54600 60260 65900
    30 gms 73440 81900 90390 98850
    50 gms 122400 136500 150650 164750
    100 gms 244800 273000 301300 329500
    200 gms 489600 546000 602600 659000
    300 gms 734400 819000 903900 988500
    500 gms 1224000 1365000 1506500 1647500

    Uttar Bihar Gramin 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

    Uttar Bihar Gramin Bank Gold Loan Process

    Uttar Bihar Gramin Bank Gold Loan

    • The bank checks the purity of the gold jewellery you bring as collateral.
    • The bank verifies the market rate for gold as that helps it to decide how much of a loan amount can be sanctioned to you.
    • The Loan to Value ratio provided by this bank is 70% and can go up to 90% in case of a high interest rate.
    • Then, you have to submit the documents and sign an agreement.
    • Once the bank makes an offer and you accept it, the loan amount will be sanctioned and disbursed.
    • The fees extra charges will be directly deducted from your loan amount.

    Uttar Bihar Gramin Bank Gold Loan Apply Online

    To avail of the best gold loan offer, visit Dialabank and click on the gold loan option. Submit your details of our perusal. Once you receive a mail from us listing all the best offers, go through them. We will give you a call and guide you.

    To clear up any confusion, contact us at 9878981144.

    Why Dialabank for an online Gold Loan?

    1. Dialabank offers a very easy process of application for Online Apply Gold Loan
    2. Dialabank has the best team of trained experts.
    3. Dialabank provides you with the best service for free.
    4. Dialabank has a special doorstep document pick up facility for your convenience.
    5. Dialabank has a tie-up with all the major banks of the country and so helps you get access to many attractive features.

    Uttar Bihar Gramin Bank Agricultural Jewel Loan Scheme

    Scheme Agricultural Jewel Loan Scheme
    Interest Rate  Starting at 7% per annum
    Least amount of Loan Depends on the value of  jewel
    Loan period Adjustment of advance sum inside 2 months from the date of reap of yields

    Benefits of Uttar Bihar Gramin Bank Agricultural Jewel Loan Scheme

    • The Bank does not charge a huge processing fee
    • For 0.30% of the loan amount, a Minimum of Rs.300 is charged ranging for more than ₹25,000 – less than ₹ 5 lakh
    • 0.28% of the credit sum, for at least Rs.1,500 applicable on more than Rs.5 lakh and less than Rs.1 crore

    Uttar Bihar Gramin Bank Gold Loan Overdraft Scheme

    In the Uttar Bihar Gramin Bank Gold loan, the loan amount is available as an overdraft facility. It works as a Credit Card, and the Gold Loan Amount can be spent as per the choice of the borrower. The interest is only charged on the amount that is withdrawn.

    FAQ’s About Uttar Bihar Gramin Bank Gold Loan

    ✅ What is Uttar Bihar Gramin Bank Gold Loan?

    Uttar Bihar Gramin Bank Gold Loan is a financial service offered to individuals in need of funds for business expenses or for fulfilling their expenses. The banks give these loans at a lower rate of interest as these are fully secured and flexible tenure with the facility of renewal.

    ✅ How much Gold Loan can I get per gram in Uttar Bihar Gramin Bank?

    The gold loan per gram online rate of Uttar Bihar Gramin Bank gold that you can get depends on the rate of gold in the market, as well as the purity of your collateral. The higher the purity, the higher will be the amount that is offered to you. The banks give funding of nearly 70% of the total market value of the collateral to the customers.

    ✅ What is the Gold Loan interest rate in Uttar Bihar Gramin Bank?

    The rate of interest charged on Uttar Bihar Gramin Bank Gold Loans usually starts from 7% per annum and varies according to the latest market prices of the gold and the total amount that is to be borrowed. The income stability of the borrower might also be a factor.

    ✅ How to pay Uttar Bihar Gramin Bank Gold Loan online?

    You can pay for your Uttar Bihar Gramin Bank Gold Loan using different convenient methods offered by the bank. More information on this can be gained by visiting the nearest loan branch of the bank or its official website.

    ✅ How to apply for Gold Loan in Uttar Bihar Gramin Bank?

    The application process for Uttar Bihar Gramin Bank gold loan is easy and does not require much time or documents. With minimal documents and a form, you can apply for this loan at the bank branch. You can also apply through Dialabank to compare and take the best deal from the comfort of your own home.

    ✅ How to take Gold Loan from Uttar Bihar Gramin Bank?

    Taking Gold Loan from Uttar Bihar Gramin Bank is a convenient and quick process. You just need to be eligible for the loan and apply for it by visiting the branch or apply online. The bank gives quick approval and disbursement after the evaluation of gold if the documents are in order.

    ✅ What are the charges for pre-payment in the Uttar Bihar GraminBank gold loan?

    The prepayment charges on the Uttar Bihar Gramin Bank gold loan sum up from 0 to about 2% of the loan amount. Prepayment means repaying your loan partially or completely before the end of tenure.

    ✅ How to check Uttar Bihar Gramin Bank Gold Loan status?

    You can check the status of your Uttar Bihar Gramin Bank Gold Loan by contacting the customer care helpline of the bank or by visiting the branch physically and meeting the loan officer.

    ✅ How to renew Uttar Bihar Gramin Bank Gold Loan?

    If you desire to renew your Uttar Bihar Gramin Bank Gold Loan all you need to do is visit the branch with your documents and apply for a renewal. Some renewal processing fees may also be charged from the borrower. You can also avail of a loan top-up facility.

    ✅ What happens if someone defaults on Uttar Bihar Gramin Bank Gold Loan?

    Defaulting on your Uttar Bihar Gramin Bank Gold Loan will decrease your credit score and will also give the legal rights to the bank to auction your Gold and recover the money.

    What is the Overdraft Scheme for Uttar Bihar Gramin Bank Gold Loan?

    Uttar Bihar Gramin Bank’s Overdraft Scheme has a Credit/Loan Limit. Axis bank charges interest on the amount withdrawn/utilized.

    What is the Uttar Bihar Gramin Bank Gold Loan closure procedure?

    The Uttar Bihar Gramin Bank Gold loan account will close after the payment is completely done.

    What is the Uttar Bihar Gramin Bank customer care number?

    9878981144  is the customer care number for Uttar Bihar Gramin Bank Gold Loan.

    ✅ What are Uttar Bihar Gramin 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 maximum gold loan tenure is 36 months for Uttar Bihar Gramin Bank.

     What is the minimum gold loan tenure?

    The minimum gold loan tenure is 6 months for Uttar Bihar Gramin Bank.

    What is the foreclosure procedure for Uttar Bihar Gramin Bank Gold Loan?

    The Bank has a policy of charging about 0.50% of the principal amount as the Gold Loan Foreclosure charge.

    Other Major Gold Loan Providers

    Table of Contents