Ujjivan Small Finance Bank Gold Loan

Gold Loan at 1%* p.m.

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Ujjivan Small Finance Bank Gold Loan Key Features – Apply Now!

Gold Loan Interest Rate 7.11% per annum
Gold Loan Per Gram Rate Per Gram Today is ₹ 5,032
Gold Loan Amount Up to Rs. 1 Crore (With Income Proof)
Gold Loan Processing Fee 1.50% of the Principal Loan Amount
Gold Loan Prepayment Charges 2%+GST (Within 3 Months), 0 (After 3 months)
Gold Loan Repayment Tenure 3 Months to 24 Months
Gold Loan Repayment Scheme Bullet Payment Scheme, Overdraft Scheme

Advantages of Ujjivan Small Finance Bank Gold Loan

  • Fast Process: Ujjivan Small Finance Bank gold Loan quickly gets approved ad payout faster. The time duration for the loan to access is nearly about minutes.
  • Minimal Documents: For Ujjivan Small Finance Bank Gold Loan documentation process is easy, and for it, only essential documents are needed.
  • Transparent System: Flawless clarity is kept between the bank and the client; there are no hidden charges.
  • Amount of Loan: The least amount of loan that is granted to the customer is Rs. 15,000. In rural areas, the least amount can also be less than Rs 10,000.
  • Safety of Jewellery: Ujjivan Small Finance Bank is entirely answerable for the safety of customer’s gold. Thus, for security, the gold is given fireproof protection.
  • Loan Tenure: The loan is provided for the term of three months to a couple of years.
  • Benefits for Farmers: Ujjivan Small Finance Bank has some special offers and schemes for agricultural necessities. Where the Gold Loan is provided at Low-interest rate.
  • No Debt Burden: If in any condition the loan seeker is not able to pay back the loan amount, then the loan seeker will not be under any debts. Only the Gold Ornaments with the bank as security in return of loan will be seized.
  • No financial gain bounds: There are no restrictions on the payment of the loan for someone. Hence, candidates with any financial gain level or income level can access for Ujjivan Small Finance Bank Gold Loan.

How Much Gold Loan can I Get through Ujjivan Small Finance Bank Gold Loan?

Ujjivan Small Finance Bank Gold Loan Per Gram – Updated September 2020

Updated - Gold Loan Per Gram Rate

Gold Weight

Gold Purity

Gold Purity

Gold Purity

Gold Purity

24 Carat

22 Carat

20 Carat

18 Carat

1 gram

4680 4290 3900 3510

10 gram

46800 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

 

Ujjivan Small Finance Bank Gold Loan Eligibility

Age

18-70 years of age

Nationality

Indian

Employment Status

Salaried, Self-Employed

Gold Quality

Minimum 18 Carats

 

Ujjivan Small Finance Bank Gold Loan Documents Required

Photographs

2 Passport Size

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)

 

Ujjivan Small Finance Bank Gold Loan Interest Rate, Fees and Charges

HDFC Gold Loan Interest Rate

7.00% per annum

Processing Fee

1.50% of the Principal Loan Amount

Prepayment/Foreclosure Charges

2%+GST (Within 3 Months), 0 (After 3 months)

Valuation Fee

Rs 250 for a loan up to Rs 1.5 lacs and Rs 500 for a loan over and above Rs 1.5 lacs

Late Repayment Charges

2% p.a. + Applicable rate of interest.

Renewal Processing Fees

Rs 350 + GST

 

About Ujjivan Small Finance Bank Gold Loan

Gold Loan is a loan provided by Ujjivan Small Finance Bank to meet the financial needs. The candidate submits the ornaments in the bank as security in the loan sum. Ujjivan Small Finance Bank is a private sector bank, and its headquarter is in Bangalore and was established on 1st February 2017. It provides dedicated assistance to its customers and allows them to recollect the gold when the amount is repaid without any loss.

  • Ujjivan Small Finance Bank Gold Loan Interest Rate is 7.11% per annum
  • Ujjivan Small Finance Bank Gold Loan Per Gram is ₹ 5,032
  • Ujjivan Small Finance Bank Gold Loan Tenure: Up to 24 months
  • Ujjivan Small Finance Bank Gold Loan Processing Fee is Up to 1.50% of the principal Loan Amount + GST

Types of Ujjivan Small Finance Bank Gold Loan

  • Loan Against Gold – Gold Loan is a secured loan that gives advance at an affordable rate of interest to the customers who wish to accomplish their goals but is cashless. Ujjivan Small Finance Bank Gold Loan is completely different from other groups of loans as it offers a low-interest rate, and thus, the bank has no issue in lending them a large sum.
  • Loan Against Gold for Agriculture – Ujjivan Small Finance Bank provides Gold Loans to farmers for cultivation and other related activities. They are given special offers. But they need to provide the land documents that prove their approval for loans

Ujjivan Small Finance 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 Ujjivan Small Finance Bank Gold Loan EMI?

  • Standing Instruction (SI): If you are a current account holder with Ujjivan Small Finance Bank, Standing Instruction is the most believable method of compensation. Your EMI amount will be credited automatically towards the month to month lasting period from the Ujjivan Small Finance Bank account you show.
  • Electronic Clearing Service (ECS): This function can proceed if you have a non-Ujjivan Small Finance Bank record and might need your EMIs to be charged wherefore monthly from this account.
  • Post-Dated Checks (PDC): You can introduce post-dated EMI evaluations from a non-Ujjivan Small Finance Bank statement at your closest Ujjivan Small Finance Bank Loan Center. A new version of PDCs should be presented immediately.

Ujjivan Small Finance Bank Gold Loan Contact Number

Call 9878981144 and get rapid help and agreement for your Ujjivan Small Finance Bank Gold Loan. You can now know the premium proposals on Gold Loan obtainable from all Ujjivan Small Finance Bank Branches in all over the country to gain the top deal linked according to your requirements.

Gold Ornaments Accepted by Ujjivan Small Finance Bank 

  • Gold Jewellery – Gold Bangles, Gold rings, Gold anklets, Gold necklaces, etc. all of these are allowable by Ujjivan Small Finance Bank to take a Gold Loan.
  • Quality – The quality of gold must be in between of 18 Carat to 22 Carat. Any gold ornament, which is 24 Carat, cannot be used to take a gold loan.

Use of Ujjivan Small Finance Bank Gold Loan

The assets stable by availing Ujjivan Small Finance Bank Gold Loan facility which can be used for plentiful purposes like:

  • To fund any precise hoards like climbing, marriage, loan for higher studies expenses, etc.
  • For all your marketing necessities, such as obtaining new supplies, developing marketing, etc., loan facility is accessible.
  • You can also apply for Gold Loan for agrarian ideas. The Bank gives minor charges of interest for Gold Loans that are used for agriculture or related plans.

Gold Loan Interest Rate of Major Banks

Bank

 Interest Rates

HDFC Bank Gold Loan

7.11% – 14.50%

ICICI Gold Loan

7.11% – 16.10%
Muthoot Finance Gold Loan

7.11% – 24.00%

Axis Bank Gold Loan

7.11% – 17.11%
Manappuram Gold Loan

7.11% – 26.00%

Yes Bank Gold Loan

7.11% – 15.99%
Bank of India Gold Loan

7.11% – 26.00%

Federal Bank Gold Loan 

7.11% – 13.50%
IIFL Gold Loan

7.11% – 12.00%

Central Bank of India Gold Loan

7.11% – 14.65%

Canara Bank Gold Loan

7.11% – 12.65%

Allahabad Bank Gold Loan

7.11% – 10.45%

Induslnd Bank Gold Loan

7.11% – 15.75%
PNB Gold Loan

7.11% – 11.75%

Bajaj Finance Gold Loan

7.11% – 26%
SBI Gold Loan

7.11% – 15.99%

Indian Bank Gold Loan

7.11% – 15.99%
UCO Bank Gold Loan

7.11% – 26.00%

Kotak Mahindra Bank Gold Loan

7.11% – 13.50%
Syndicate Bank Gold Loan

7.11% – 12.00%

 

FAQs About Ujjivan Small Finance Bank Gold Loan

  • What is Ujjivan Small Finance Bank Gold Loan?

You can apply for a gold loan in Ujjivan Small Finance Bank for your financial emergency, and they provide the best facilities of great interest rates on loan like EMI based loan, overdraft etc. and they give the loan in payment in just 45 minutes.

  • How can I get the Gold Loan from Ujjivan Small Finance Bank?

You can visit any nearest branch of Ujjivan Small Finance Bank to avail for a gold loan, or you can apply online with LendingWale, and you can get more deals and offers.

  • What is Gold Loan Interest Rate in Ujjivan Small Finance Bank?

7.11% per annum is the gold loan interest rate in Ujjivan Small Finance Bank.

  • How much Gold Loan can I get per gram in Ujjivan Small Finance Bank?

You can get up to Rs. 5,032 and it totally depends on the purity of your gold ornaments, and it should be in between 18 to 22 carats.

  • How to check Gold Loan status in Ujjivan Small Finance Bank?

You can check the gold loan status in Ujjivan Small Finance Bank just by visiting the official web page of the bank, and you can get updates anytime and from anywhere.

  • How to calculate Gold Loan Interest in Ujjivan Small Finance Bank?

You can calculate the gold loan interest in Ujjivan Small Finance Bank via LendingWale EMI Calculator.

  • How to Pay Ujjivan Small Finance Bank Gold Loan Interest Online?

You can pay Ujjivan Small Finance Bank through the net banking, or you can also pay it by using Paytm.

  • What if I can’t pay the interest on Ujjivan Small Finance Bank Gold Loan for 3 months?

If you do not pay loan for 3 months, at first, they will remind you about your due payments and if you ignore the notice and after that the bank will seize the ornaments, and legal actions will be taken against you, and you will be answerable for that.

  • How can I apply for EMI Moratorium on Ujjivan Small Finance Bank Gold Loan?

From 1st March and 31st August 2020, you can apply for an EMI Moratorium on Ujjivan Small Finance Bank Gold Loan, and it has to be done by contacting customer’s care number. Also, you can visit the nearest branch of Ujjivan Small Finance Bank for the same.