Uttarakhand Gramin Bank Gold Loan

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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 Uttarakhand Gramin Bank Gold Loan

Uttarakhand Gramin Bank (UGB) is a Regional Rural Bank (RRB) in India. State Bank of India sponsors it established under RRB Act 1976 came into existence on 1st Nov 2012 after the amalgamation of erstwhile RRB viz. Uttaranchal Gramin Bank and Nainital Almora Kshetriya Gramin Bank in Uttarakhand State. The Bank is headquartered at Dehradun and presently its area of operation in all 13 Districts in Uttarakhand having 286 branches, 11 satellite offices, two extension counters, four regional offices. Also, a lot of financial services are provided by this bank namely, Gold Loan, Personal Loan, and Home Loan.

Uttarakhand Garmin Bank Gold Loan Interest Rates

In general Loan on Gold, the 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 interest rates are less than that of personal loan or any other kind of loans. Though the gold loan rate keeps on changing with the passage of time as well as person to person. The  Uttarakhand Gramin Bank Gold Loan is available at 1% per month interest rate.
  • Uttarakhand Gramin Bank Gold Loan Interest rate – 10.70 %
  • Offer low processing fee –  0.85%
  • Pre-closer charges range from 0 – 2 %.
  • Tenure minimum six months; maximum five year
  • Amount – Thousand to a crore
Why to Apply for Uttarakhand Gramin Bank Gold Loan?
  1. Uttarakhand Gramin Bank follows a very simple and hassles free process
  2. Faster loan disbursal happens in Uttarakhand Gramin Bank Gold Loan.
  3. Minimum documentation for Uttarakhand Gramin Bank Gold Loan
  4. Improves customer service in a much shorter response turn around time.
  5. 100% safety as well as protection of gold ornaments.

Uttarakhand Gramin Bank Gold Loan Eligibility

  • The age of the customer should not be less than 18 years.
  • The applicant should be a citizen of India.
  • The applicant should have gold in an appropriate form.
  • The quality of the gold should be 18 karats to 22 karats.

Uttarakhand Gramin Bank Gold Loan Documentation

  • Identity Proof is required. It can be an Aadhar Card/ Voter ID card/ PAN Card / Driving License / Passport.
  • One proof of residence is also required while applying for a gold loan; it can also be an Aadhar Card/ Voter ID card / PAN Card / Driving License / Passport / Ration Card / Electricity / water bills of last three months with the name of the applicant.
  • Two colored photographs.

Uttarakhand Gramin Bank Gold Loan

Additional Documentation for Uttarakhand Gramin Bank Gold Loan

The bank needs a Proof of ownership of Land if you are applying for an agriculture gold loan.
  • Land Proof – In the case of Agriculture Loan on gold of more than Rs. 1 lakh the proof is not required for allied agriculture purposes.
  • Needed a Demand Promissory Note – Certificate by the Jewel Appraiser (Bank will arrange).
  • Besides Income Proof of Salary Certificate as well as Form No.16

Process of Uttarakhand Gramin Bank Gold Loan

  • The bank checks the purity of the gold.
  • The bank checks the market rate for gold and the price of the previous day is take into consideration
  • The LTV (Loan to Value) set by the RBI is 75%.
  • If you have acknowledged the Gold loan amount and terms, the lender processes the application. The processing fees & other charges are deducted from your Gold loan amount.
  • After signing the agreement, the loan amount is disbursed to your account.

Why Dialabank for online Gold Loan?

  • Firstly www.dialabank.com offers a very easy process of application for Online Gold Loan
  • The applicant gets a good comparison of the gold interest rates of other banks as well.
  • The company provides the document pickup facility from your doorstep.
  • You will get the best as well as the lowest interest rate. Moreover, for more information call 9592046860 or 60011600 with your city code.

FAQ’s About Uttarakhand Gramin Bank Gold Loan

Q. How much Gold Loan can I get per gram in Uttarakhand Gramin Bank?

The loan quantity you received per gram of gold depends on the current price of gold in the market. The banks give a capitalize of nearly 80% of the total worth to the customers.

Q. What is Uttarakhand Gramin Bank Gold Loan?

Gold Loan is a monetary product offered to individuals to fulfill their business requirements or personal expenses. The Uttarakhand Gramin Bank provides this loan at a low rate of interest as these are completely secured and available with flexible tenure.

Q. What is the Gold Loan interest rate in Uttarakhand Gramin Bank?

The rate of interest charged on Gold Loans usually commences from 10.70% per annum and varies based on the market price of the gold and the total amount that is to be borrowed.

Q. How to pay Uttarakhand Gramin Bank Gold Loan online?

You can pay for your Gold Loan using various techniques offered by the bank which can be chosen by the customer as per their suitability. More details on this can be gained by visiting the nearest loan branch of the bank.

Q. How to apply Gold Loan in Uttarakhand Gramin Bank?

The application procedure is trouble-free and does not require much time. With minimum documents and a form, you can apply for this loan by visiting the branch or you can also apply through Dialabank’s internet platform to compare and take the best deal from the comfort of your room.

Q. How to renew Uttarakhand Gramin Bank Gold Loan online?

For renewing your Gold Loan, you are required to visit the loan branch and contact the loan officer. You may be charged a renewal processing fee and asked to write an application for the same.

Q. How to take Gold Loan from Uttarakhand Gramin Bank?

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

Q. What is Gold Loan in Uttarakhand Gramin Bank?

Gold Loan is a lending scheme of Uttarakhand Gramin Bank through which you can get a loan by submitting your gold ornaments as security. The loan quantity and interest rates are dependent on the purity of your gold and vary accordingly. Uttarakhand Gramin Bank Gold Loan comes with same day disbursement and appealing interest rates.

Q. How to get Uttarakhand Gramin Bank Gold Loan?

For getting Gold Loan from Uttarakhand Gramin Bank, 1)you just need to visit the nearest loan branch and apply for the same. 2)The representative of the bank will make an offer after evaluating your gold. 3)Agreement on these terms will get you the approval for the loan after which the bank gives you quick disbursement of funds.

Q. How to check Uttarakhand Gramin Bank Gold Loan status?

You can check the status of your Gold Loan by contacting the helpline of the bank or by visiting the branch physically and meeting the loan officer.

Q. How to close Uttarakhand Gramin Bank Gold Loan?

Closure of your Gold Loan takes place once you have paid the due amount of your Gold Loan which has been registered by the bank and the gold ornaments have been released along with the issue of No Dues Certificate.

Q. How to renew Uttarakhand Gramin Bank Gold Loan?

If you aspire to renew your Gold Loan with Uttarakhand Gramin Bank all you require to do is visit the branch with your documents and apply for a renewal. Some renewal processing payments may also be charged from the borrower.

Q. What happens if someone defaults Uttarakhand Gramin Bank Gold Loan?

Defaulting on your Gold Loan will reduce your credit score and will also give the valid rights to the bank to auction your Gold and retrieve the money.

Q. How many branches of Uttarakhand Gramin Bank Gold Loan?

Uttarakhand Gramin Bank has more than 280 branches in the state providing quality service to its customers.

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