Utkarsh Small Finance Bank Gold Loan

Gold Loan at 1%* p.m.

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Utkarsh 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 Utkarsh Small Finance Bank Gold Loan

  • Fast Procedure: You can take a Gold Loan from Utkarsh Small Finance Bank effortlessly and briskly with none obstacles. The mortgage receives accepted in only 60 minutes.
  • Fewer Documents: The documentation development is consistent here; fewer files are essential for the gold mortgage in Utkarsh Small Finance Bank.
  • Transparent System: Utkarsh Small Finance Bank proposals huge transparency to their consumer; and that is, there aren’t any unidentified charges.
  • Amount of Loan: The minimal quantity of mortgage that Utkarsh Small Finance Bank can offer to their consumer is Rs. 15,000. And, in rural districts, it can be much less than Rs 10,000.
  • Protection of Jewellery: One essential aspect to notice is that the Bank takes the entire responsibility for the safety of your gold. Afterwards, they stored the gold in fire-evidence safety.
  • Loan Tenure: The time-length of the Gold mortgage in Utkarsh Small Finance Bank may be from three months to two years. Afterwards, you could choose your luxurious accordingly.
  • Profits for Ranchers: Utkarsh Small Finance Bank gives a few one-of-a-kinds offers for agricultural purposes. Utkarsh Small Finance Bank gives a negligible Gold Loan interest price for agronomic purposes.
  • No Debt Issue: There may be a fixed of situations like wherein if an applicant isn’t always capable of pay off the quantity of the mortgage. In that case, the applicant will now no longer be beneath any money owed because the Bank will best capture the applicant’s ornaments.
  • No Income borders: There aren’t any regulations at the revenue or profits of the applicant; subsequently, each person with any revenue variety can observe for a gold mortgage in Utkarsh Small Finance Bank.

How Much Gold Loan can I Get through Utkarsh Small Finance Bank Gold Loan

Utkarsh 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

 

Utkarsh Small Finance Bank Gold Loan Eligibility

Age

18-70 years of age

Nationality

Indian

Employment Status

Salaried, Self-Employed

Gold Quality

Minimum 18 Carats

 

Utkarsh 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)

 

Utkarsh 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 Utkarsh Small Finance Bank Gold Loan

Life is complete of concerns and fears. Subsequently, you can want coins to combat economic troubles for your life. In that case, you could get a Gold Loan from Utkarsh Small Finance Bank to combat with the monetary emergency. After, human beings with decreased CIBIL rating also can sincerely observe for this service.

However, there is lots of monetary Banking and non-Banking groups which could offer you with the gold mortgage; however, Gold Loan is taken into consideration the greatest. Utkarsh Small Finance Bank got here into life in 2016. It is one of the maximum misleading and continual Banks in India. Also, it’s miles acknowledged for its sturdy monetary features. Here the transactions are very secure.

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

Types of Utkarsh Small Finance Bank Gold Loan

Utkarsh Small Finance Bank gives a few plans allied to the Gold Loan object that are indexed below: 

  • Loan Against Gold – Utkarsh Small Finance Bank gives Gold Loan at thrilling steps are crucial to fulfilling anybody’s essential want of property for any cause whether or not personal or professional. The gold credit score is made sure approximately the form of loans, and then, the Bank has no threat in giving the whole thing to the applicant, so it’s miles given at a slower step of pleasant while related to distinct sorts of Loan items.
  • Loan Against Gold for the Farming enterprise – Utkarsh Small Finance Bank gives Gold Loans truly to farming enterprise functions to farmers at an extraordinary step of interest while linked with gold loans given for distinct possibilities. They are given several gives and on the time of taking the loan, you need to provide the Bank with your Property evidence.

Utkarsh 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 Utkarsh Small Finance Bank Gold Loan EMI?

  •  Standing Instruction (SI): If you are a contemporary account holder with Utkarsh Small Finance Bank, Standing Instruction is the extraordinarily reliable method to pay. Your EMI entirety could be credited logically at the manner to the month’s quit to month time body from Utkarsh Small Finance Bank account you show.
  • Electronic Clearing Service (ECS): The program may be beneficial withinside the incident which you have a non – Utkarsh Small Finance Bank and might want your EMIs to be charged subsequently near the very best restrict of the month to month cycle from this record.
  • Post-Dated Checks (PDC): You can gift post-dated EMI investigations from a non-Utkarsh Small Finance Bank account at your nearest Utkarsh Small Finance Bank Loan Centre. Another approach of PDCs must be handy in a specific manner. It could be remarkable withinside the manifestation which you notice Post Dated Checks could be gathered non-ECS states are commonly speaking.

Utkarsh Small Finance Bank Gold Loan Contact Number

Call 9878981144 And get speedy assist and settlement to your Utkarsh Small Finance Bank Gold Loan. You can now recognise the top rate proposals on Gold Loan available from all Utkarsh Small Finance Bank Branches in all around the united states to benefit the pinnacle deal-related consistent with your requirements.

Gold Ornaments Accepted by Utkarsh Small Finance Bank 

  • Gold Jewellery – Gold Bangles, Gold rings, Gold anklets, Gold necklaces, etc. all of those are allowable through Utkarsh Small Finance Bank to take a Gold Loan.
  • Quality – The pleasant of gold ought to be in among of 18 Carat to 22 Carat. Any gold decoration that’s 24 Carat can not be used to take a gold mortgage.

Use of Utkarsh Small Finance Bank Gold Loan

The belongings substantial through availing Utkarsh Small Finance Bank Gold Loan facility which may be used for considerable functions like:

  • To fund any specific hoards like marriage, climbing, instalment of better schooling expenses, etc.
  • For all of your advertising necessities, which includes acquiring new supply, growing advertising, etc., mortgage facility is accessible.
  • You also can practice for Gold Loan for agrarian ideas. The Bank offers nominal costs of interest for Gold Loans which might be used for agriculture or associated 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 Utkarsh Small Finance Bank

  • What is Utkarsh Small Finance Bank Gold Loan?

Utkarsh Small Finance Bank Gold Loan is a mortgage machine that you may practice for pressing monetary assist through preserving your gold as protection with the Bank. Also, it comes with exquisite interest charges on Term Loan, Overdraft, and EMI primarily based totally mortgage. Customary Gold Loan disbursement time at Utkarsh Small Finance Bank is simply forty-five minutes.

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

You can fluently get the Utkarsh Small Finance Bank Gold Loan through journeying any of the gold mortgage presenting branches of Utkarsh Small Finance Bank. You may practice online with LendingWale through merely sitting at your private home and get the first-rate agreements and proposals. Utkarsh Small Finance Bank is amongst the primary Banks in India that gives Gold Loan features.

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

The interest charge for the Gold Loan in Utkarsh Small Finance Bank is 7.11% in line with annum. The charge of interest is a challenge to numerous factors, namely: mortgage amount, mortgage time-periods, purity of gold, and connotation with Utkarsh Small Finance Bank.

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

The inline with gram Gold Loan in Utkarsh Small Finance Bank that you may get relies upon at the purity of your gold. Utkarsh Small Finance Bank determined to take the gold of purity among 18 carats to 22 carats to provide a Gold Loan. You can avail up to ₹ 5,032 Per Gram in Utkarsh Small Finance Bank Gold Loan.

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

To take a look at your Utkarsh Small Finance Bank Gold Loan status, you want to do is, go to the Utkarsh Small Finance Bank Loan Status Tracker net web page and fill your information withinside the shape given there. You may tune the popularity resourcefully of your mortgage from the house and live updated.

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

You can calculate the interest in your Utkarsh Small Finance Bank Gold Loan the usage of LendingWale EMI Calculator which offers you blanketed quantities primarily based totally at the data you input into the calculator.

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

You pay Utkarsh Small Finance Bank Loan interest online thru internet Banking at the authentic Utkarsh Small Finance Bank mortgage repayment web page. You may additionally refund your Utkarsh Small Finance Bank Gold Loan on Paytm the usage of your chosen price process.

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

If you will now no longer pay your Gold Loan for three months, first of all, the Bank will remind you of your due payments. And after that, If the price requests move omitted, a recommended felony observe despatched traumatic the repayment and to complete the mortgage. Non-price in your Gold Loan will result in a diminishing of your credit score rating and additionally makes you legally responsible for standing felony moves through the Bank in addition to seizure and public sale of your gold.

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

You can practice for an EMI Moratorium on Utkarsh Small Finance Bank Gold Loan now among 1st March and thirty-first August 2020 and needs to be achieved through speaking the Bank’s purchaser care or through journeying the closest Utkarsh Small Finance Bank branch.