Uttarakhand Gramin Bank Gold Loan

AT 0.49%* INTEREST RATE
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    Uttarakhand Gramin Bank Gold Loan

    Uttarakhand Gramin Bank Gold Loan Key Features – Apply Now

    Uttarakhand Gramin Bank Gold Loan Interest Rate 5.88% per annum
    Uttarakhand Gramin Bank Gold Loan Rate Per Gram
    Rate Per Gram is ₹ 2,900 to ₹ 3,450
    Uttarakhand Gramin Bank Gold Processing Fee
    1.0% of the Principal Loan Amount
    Uttarakhand Gramin Bank Maximum Loan Amount
    Up to Rs. 20 lakh
    Uttarakhand Gramin Bank Minimum Loan Amount 75%  LTV
    Uttarakhand Gramin Bank Gold Prepayment Charges
    2%+GST (Within 3 Months), 0 (After 3 months)
    Uttarakhand Gramin Bank Gold Repayment Tenure
    Up to 36 Months
    Uttarakhand Gramin Bank Gold Repayment Scheme
    Bullet Payment Scheme, Overdraft Scheme

    Advantages of Uttarakhand Gramin Bank Gold Loan 

     

    • Great Availability: First and foremost, Loan against gold is a secured service, therefore the processing of the Uttarakhand Gramin Bank Gold Loan is quick as the bank is mostly concerned with the quality and weight of the gold.
    • Low Gold Loan Interest Rate: In contrast to services like personal loans, the gold loan has the least interest rate as banks keep security against the loan.
    • Negligible foreclosure charges: Generally, banks do not have any prepayment charges but some banks can charge a penalty of just 1%.
    • Safety of Ornaments: Furthermore, The ornaments are more secure with the banks due to the strict security In the banking institutions which is quite less at homes.
    • No qualification of Credit Score: As Uttarakhand Gramin Bank Gold Loan is a secured loan, therefore, the applicant does not have to worry about bad loan repayment history.
    • Income-proof not required: Moreover, The salary of an applicant is not an issue for availing a gold loan as it depends majorly on the weight and quality of gold available with the applicant.
    • No loan processing charges: Another advantage, the applicant does not have to pay extra for this service as the approval solely depends upon the asset kept as security.
    • Foreclosure charges: Uttarakhand Gramin Bank asks for 0.50% of the principal amount as Gold Loan Foreclosure charges.

    How many loans Can I Get Through Uttarakhand Gramin Bank?

      Uttarakhand Gramin Bank Gold Loan Rates/ Gram – updated 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 Uttarakhand Gramin Bank Gold Loan

    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 is 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 Gramin Bank Gold Loan Eligibility

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

    Uttarakhand Gramin Bank Gold Loan at Home 

    Gold Loan at Home is an immediate or doorstep loan service that allows you to borrow money from the comfort of your own home. As interest rates are low, the service is quick, flexible, and economical. Before submitting a loan request, you can also use the gold loan calculator to determine the worth of your gold or the loan amount. The process for getting a Gold Loan at home is quite simple and convenient, and it can be completed in just a few minutes.

    One of our representatives will contact you and arrive at your home within 30 minutes. The appropriate gold loan amount will be paid immediately to your bank account when all e-documentation and gold identification is completed at your home.

    The benefits of getting a gold loan at your doorsteps are:

    • Access To Your Loan Account 24 X 7
    • Diverse Range of Gold Loan Schemes
    • Your Gold will just be released the same day.
    • Pre & Part Payment Facility
    • You can get free insurance for your Gold
    • There are no hidden fees.
    • You will get the maximum value of your Gold
    • Service at Your Door in 30 Minutes
    • You can avail your Gold Loan in just 1 visit

    Uttarakhand Gramin 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 coloured

    Uttarakhand Gramin Bank Gold Loan Interest Rates, Fees and Charges

    Gold Loan Rate77 5.88% per annum
    Processing Fee 0.85% of the loan amount + GST
    Loan to Gold value Up to 75%
    Pre-payment Charges 0- 2%

    Types of Uttarakhand Gramin Bank Gold Loan 

    • The agricultural loan is provided to farmers for agricultural purposes at a special rate of interest.
    • Non- agricultural purpose loans against gold are provided to individuals for all kinds of purposes except agricultural purpose. The rate of interest is slightly higher.

    Uttarakhand Gramin Bank Gold Loan Apply Online

    • Visit Dialabank
    • Fill the Gold Loan form
    • Wait for our relationship manager to contact you with the best offers.

    Uttarakhand 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

    How to Pay Your Uttarakhand Gramin Bank Gold Loan EMI?

    The applicant can repay the loan amount in three ways:

    • Term loan: In this, the applicant just has to pay the interest rate for the entire loan tenure. After the loan tenure, the loan seeker has to pay the principal amount.
    • Overdraft Facility: In this service, the applicant can use the amount of money they want to use. The interest rate is also charged for the used loan amount only.
    • EMI Facility: The applicant has to pay a fixed EMI every month which includes the interest rate and a portion of the principal amount.

    Uttarakhand Gramin Bank Gold Loan Contact Number

    For any assistance in case of a gold loan from Uttarakhand Gramin Bank required you may contact on the number 9878981144.

    Gold Ornaments Accepted by Uttarakhand Gramin Bank

    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 Uttarakhand Gramin Bank Gold Loan

    The loan amount acquired by availing the Uttarakhand Gramin 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 business financial requirements, such as buying raw material, inventory, etc.

    Uttarakhand Gramin Bank Agricultural Jewel Loan Scheme

    Scheme  Agricultural Jewel Loan Scheme
    Interest Rate  Starting from 5.88% per annum (depends on the sum of the loan
    Least amount of Loan Depends on the value of  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 Uttarakhand Gramin Bank Agricultural Jewel Loan Scheme

    • No processing fee 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

    Uttarakhand Gramin Bank Gold Loan Overdraft Scheme

    Uttarakhand Gramin Bank Offers an Overdraft Scheme. With this, the loan amount comes as 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. The bank charges interest only on the amount you withdraw/utilize.

    FAQs About Uttarakhand Gramin Bank Gold Loan

     What is Uttarakhand Gramin Bank Gold Loan?

    Uttarakhand Gramin 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 Gold Loan from Uttarakhand Gramin Bank?

    You can avail Gold Loan from the Uttarakhand Gramin Bank is a hassle-free and straightforward process:

    • Fill in your vital information in the form available on Dialabank.
    • Our trained Relationship Manager will get in touch with you within 30 minutes.
    • We will suggest you the loan according to your personal requirements, in your specific city.
    • Visit the assigned branch of the bank.
    • Get the loan sanctioned in just 30 minutes.

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

    The Gold Loan Per Gram Rate by Uttarakhand Gramin Bank varies daily and you will have to contact the customer care executive for the same. The bank gives a Loan to a Value of 75%.

     How does Uttarakhand Gramin Bank Gold Loan work?

    The Uttarakhand Gramin 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 Uttarakhand Gramin Bank?

    The rate of interest depends on the total amount of the loan and the purpose of the loan. Uttarakhand Gramin Bank rate of interest begins from 7% per annum.

     How to check Uttarakhand Gramin Bank Gold Loan status?

    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 much Processing Fee is applicable on Uttarakhand Gramin Bank Gold Loan?

    A processing fee of up to 0.85% of the loan amount is charged.

     How to renew Uttarakhand Gramin Bank Gold Loan?

    Renewal of the Gold Loan by Uttarakhand Gramin 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.

     How to pay Uttarakhand Gramin Bank Gold Loan Interest online?

    The bank provides various methods to pay the loan amount such as a Standing Instruction or an ECS. For mo contact the customer care executive of the bank or visit the branch directly.

    What if I can’t pay the interest on Uttarakhand Gramin Bank Gold Loan for 3 months?

    If someone defaults on the payments of Uttarakhand Gramin 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.

    What is Uttarakhand Gramin Bank Gold Loan Overdraft Scheme?

    Uttarakhand Gramin Bank Offers an Overdraft Scheme. With this, the loan amount comes as 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. The bank charges interest only on the amount you withdraw/utilize.

    What is the customer care number for Uttarakhand Gramin Bank Gold Loan?

    For any assistance regarding a gold loan in Uttarakhand Gramin Bank, you can contact on the number 9878981144.

    What is the foreclosure charge for Uttarakhand Gramin Bank Gold Loan?

    Uttarakhand Gramin Bank charges a borrower up to 0.50% on the principal amount as the Foreclosure charges.

    What is the Uttarakhand Gramin Bank Gold Loan closure procedure?

    The Gold loan will only close after the payment is done in full.

    ✅ What are Uttarakhand 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 Uttarakhand Gramin Bank.

     What is the minimum gold loan tenure?

    The minimum Uttarakhand Gramin Bank gold loan tenure is 6 months.

    Other Major Gold Loan Providers

     

     

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