Uttarbanga Kshetriya Gramin Bank Gold Loan

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Loan Amount Up to 1 Crore
Loan Tenure Up to 48 Months
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All About Uttarbanga Kshetriya Gramin Bank Gold Loan

Uttarbanga Kshetriya Gramin Bank Gold LoanUttarbanga  Kshetriya Gramin  Bank is a regional rural bank which was established in 1977. The bank is under the provision of Government of India, Central Bank of India and Government of West Bengal. The bank operates in 5 districts of the state of West Bengal that are Coochbehar, Jalpaiguri, Alipurduar, Darjeeling, and Kalimpong. The head office of this bank is in Coochbehar. There are a lot of financial services that are made available for the customers by this bank. One of them is Gold Loan which is the most availed service in comparison to other financial services. 

About Uttarbanga Kshetriya Gramin Bank Gold Loan

Gold Loan is a financial facility that provides help to customers in a time of financial crisis. It is a type of loan in which the loan amount granted to the customer depends upon the valuation of gold ornaments kept as security. The Gold Loan Interest Rate is less than personal loan as it is a secured service. Gold Loans are provided by a good number of banking and nonbanking financial companies to the customers.

Eligibility of Uttarbanga Kshetriya Gramin Bank Gold Loan

  1. First and foremost, the gold should be in the name of the applicant or family member.
  2. Secondly, the applicant should be a resident of India.
  3. Thirdly, The age should lie in between 18-70 years group.
  4. Next, the minimum loan amount is 18000 Rupees, and it can go up to 1 Crore depending upon the quality of gold.
  5. Last but not least, it is a service with the best rate of interest.

Documents Required for Uttarbanga Kshetriya Gramin Bank Gold Loan

 The documents should be particularly from the following options

Applicant Identity Verification Documents can be amongst the below  documents (ANY):

  1. Passport: Valid Copy of passport both front and last page
  2. Voters ID card: Copy of Valid Voter Identity Card
  3. Driving License: Copy of Driving license which is valid.
  4. Adhar card: Copy of Adhar Card with current information

Applicant Address Verification Proof can be amongst the below documents(ANY):

  1. Passport: Valid Copy of passport both front and last page
  2. Voters ID card: Copy of Valid Voter Identity Card
  3. Driving License: Copy of Driving license which is valid.
  4. Adhar card: Copy of Adhar Card with current information
  5. Utility Bills on the name of the applicant.
  6. Sales Tax Certificate
  7. Rental Agreement

Signature Verification Documents required are namely:

  1. Valid Copy Passport
  2. Bank’s Verification Certificate
  3. Cheque

Interest Rate of Uttarbanga Kshetriya Gramin Bank Gold Loan

  1. To initiate, The Gold Loan Interest Rate starts at 10.5%-12% p.a.
  2. Also, The financial organizations provide these loans for 1 to 4 years.
  3. Finally, The pre-closure charges are in between 0% to 2% of the value of the loans.

Advantages of Uttarbanga Kshetriya Gramin Bank Gold Loan

Great Availability: First and foremost, Loan against gold is a secured service, therefore the processing of this loan is quick as the bank is mostly concerned with the quality and weight of the gold.

Low Rate of Interest: 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: 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 this is a secured loan, therefore, the applicant does not have to worry about bad loan repayment history.

Income-proof not required: 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 is that the applicant does not have to pay extra for this service as the approval solely depends upon the asset kept as security.

Flexible tenure: In addition to other advantages,  the applicant can choose the tenure of the loan according to their requirements and needs.

Only payment of interest: Lastly, the applicant has the option to pay the principal amount at the end of the tenure and only the interest every month.

 How to Apply for Uttarbanga Kshetriya Gramin Bank Gold Loan?

  1. First of all, a lot of services are available through lending institutions thus people tend to get confused while choosing the best deal for themselves.
  2. In order to clear this confusion, our company provides the customer total assistance during the entire process of the loan and guide them The Best Loan Deals according to their needs.
  3. Moreover, the customer is guided without any partiality towards a certain product. Which further gives them a clear picture about the loan to be availed.
  4. Easily Apply for a Gold Loan through Dialabank.com  or Call directly on our number 95920-46860.

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