Ujjivan Small Finance Bank Gold Loan

Ujjivan Small Finance Bank Gold Loan Bank Features – Apply Now

Advantages of Ujjivan Small Finance Bank (USF) Gold Loan?

• The bank is very dedicated to its customers.
• High Loan amount
• Quick processing.
• Worse credit history/ CIBIL score, not an issue
• Instant Processing and Disbursal
• Low-interest rates
• Minimum documentation required
• Flexible repayment options
• Bank charges a borrower up to .50% on the principal outstanding in case of a Gold Loan Foreclosure.

How Much Gold Loan Can I Get Through Ujjivan Small Finance (USF) Bank?

According to the latest gold prices, Ujjivan Small Finance (USF) Bank is offering a Gold Loan Interest Rate at 7.25% per annum. The highest amount offered by Ujjivan Small Finance Bank for gold per gram today is ₹ 3,800 to ₹ 4,350 for 24-carat jewellery calculated at a maximum LTV of 75% and average gold loan prices of the last 30 days in 2021 are ₹ 3,800 to ₹ 4,350 of 22 carats.

Ujjivan Small Finance Bank Gold Loan Per Gram

About Ujjivan Small Finance Bank Gold Loan

Ujjivan Small Finance Bank Gold Loan Eligibility

Ujjivan Small Finance Bank Gold Loan At Home

With the changing needs of the times, Ujjivan Small Finance Bank has come across a simple yet valuable solution that will make everything easy for you. Just like your necessary commodities such as groceries, clothes and much more, everything is provided at your doorstep, in the same way, now, you can quickly get a gold loan at the comfort of your home.

If you are in urgent need of funds or too busy to visit a bank or prefer social distancing, Ujjivan Small Finance Gold Loan At home is a one-step solution. The process is straightforward. You need to give us a call to put in your request for a gold loan. Our executive from the nearest branch will visit your home at the earliest. Everything will be done at your home in your presence, from the evaluation of the loan documentation to the transfer of the loan amount. Furthermore, there are many benefits of Ujjivan Small Finance Bank Gold Loan at Home: 

• Fast loan approval
• Lower interest rates
• Maximum value of gold
• Flexible repay tenures
• Easy payment options
• No additional charges
• 24*7 customer support
• Full security of the gold 
• No hidden fees
• Service at your doorstep within 30 minutes

Ujjivan Small Finance Bank Gold Loan Documentation

Ujjivan Small Finance (USF) Bank Gold Loan Interest Rates, Fees and Charges

Types of Ujjvan Small Finance Bank (USF)

• Farmers applying for agricultural loans get special interest rates.
• Gold loan for any other purposes other than agricultural activities makes to charge slightly higher interest rates.

Ujjivan Small Finance Bank Gold Loan Apply Online

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

Ujjivan Small Finance (USF) Bank Gold Loan EMI Calculator

How to Pay Your Ujjivan Small Finance Bank Gold Loan EMI?

Your Ujjivan Small Finance Bank Gold loan per gram can be repaid in the following ways:

1. Standing Instruction (SI): If you are a current record holder with the Ujjivan Small Finance Bank, Standing Instruction is the best method of repayment.
2. Electronic Clearing Service (ECS): This can be utilized if you have a non-Ujivan Small Finance Bank account and might want your EMIs to be charged consequently.

Ujjivan Small Finance (USF) Bank Gold Loan Contact Number

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

Gold Ornaments Accepted by Ujjivan Small Finance Bank (USF)

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 Ujjivan Small Finance (USF) Bank Gold Loan

The loan amount acquired by availing the Ujjivan Small Finance 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 financial business requirements, such as buying raw material, inventory, etc

Ujjivan Small Finance Bank Agricultural Jewel Loan Scheme

Benefits of Ujjivan Small Finance Bank Agricultural Jewel Loan Scheme

• There is no processing fee is 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

Ujjivan Small Finance Bank Gold Loan Overdraft Scheme

USB Bank Offers an Overdraft Scheme. With this, you are provided with a loan amount as an overdraft facility. It works like 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. In the USF Bank Gold Loan Overdraft facility, the bank charges interest only on the amount you withdraw/utilize.

FAQs About Ujjivan Small Finance Bank Gold Loan

✅ What is Ujjivan Small Finance (USF) Bank Gold Loan?

Ujjivan Small Finance 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 of 24 months. This loan can be used for solving any monetary issues faced by the borrower.

✅ How can I get a Gold Loan from Ujjivan Small Finance (USF) Bank?

Gold Loan from Ujjivan Small Finance can be availed in the mentioned easy steps:

• Go on to Dialabank and fill up the details asked for.
• Within 30 minutes, you will be talking to our well-trained Relationship managers.
• You will be told about the different types of loans according to your needs.
• Visit the nearest branch of the selected bank.
• Your loan approval will be done in half an hour.

✅ How much Gold Loan can I get per gram in Ujjivan Small Finance (USF) Bank?

The loan rate per gram of gold offered by Ujjivan Small Finance Bank is ₹ 3,800 to ₹ 4,350. The bank gives a Loan to a Value of 75%.

✅ How does Ujjivan Small Finance (USF) Bank Gold Loan work?

The Ujjivan Small Finance 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 Ujjivan Small Finance (USF) Bank?

The rate of interest depends on the total amount of the loan and the purpose of the loan. Ujjivan Small Finance Bank rate of interest begins from 7.25% per annum per annum.

✅ How to check Ujjivan Small Finance (USF) Bank Gold Loan status?

You can 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 to calculate Gold Loan Interest in Ujjivan Small Finance (USF) Bank?

You can easily calculate the Gold Loan Interest Rate in Ujjivan Small Finance Bank by subtracting the principal amount from the total sum to be paid.

✅ What is the maximum loan amount I can avail of on Gold Loan from Ujjivan Small Finance (USF) Bank?

You can get a maximum amount of Rs 1 crore on a Ujjivan Small Finance Bank Gold Loan as the bank offers around 75% of the gold ornaments’ market value.

✅ What is the loan tenure of Ujjivan Small Finance (USF) Bank Gold Loan?

The maximum tenure of your Ujjivan Small Finance Bank Gold Loan is up to 36 months. However, you’ll be required to renew your loan plan after a year.

✅ How much Processing Fee is applicable to Ujjivan Small Finance (USF) Bank Gold Loan?

A processing fee of up to 0.85% of the loan amount or ₹1000 whichever is higher is charged.

✅ How to renew Ujjivan Small Finance (USF) Bank Gold Loan?

Renewal of the Gold Loan by Ujjivan Small Finance 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.

✅ What are the charges for renewal in Ujjivan Small Finance (USF) Bank Gold Loan?

Bank charges approximately Rs. 250- Rs. 500 for renewal of the gold loan.

✅ What are the charges for Prepayment in Ujjivan Small Finance (USF) Bank Gold Loan?

Ujjivan Small Finance Bank charges nothing for the prepayment of the gold loan.

✅ How to pay Ujjivan Small Finance (USF) Bank Gold Loan Interest online?

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

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

If someone defaults on the payments of Ujjivan Small Finance 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.

✅ How can I apply for EMI Moratorium on Ujjivan Small Finance (USF) Bank Gold Loan?

You can apply for the Ujjivan Small Finance Bank Gold loan moratorium online by logging in with your credentials or by personally visiting the main branch. The moratorium request has to be submitted at least five working days before the due date of your EMI.

✅ How to pay Ujjivan Small Finance (USF) Bank Gold loan through credit card?

As per RBI Guidelines, the Ujjivan Small Finance Bank Gold loan cannot be repaid via credit cards. Other payment modes such as net banking, debit cards, cheques, DDs can be used for loan repayment.

✅ What is Ujjivan Bank Gold Loan Overdraft Scheme?

Ujjivan Bank Offers an Overdraft Scheme. With this, you are provided with a loan amount as an overdraft facility. It works like 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. In the Ujjivan Bank Gold Loan Overdraft facility, the bank charges interest only on the amount you withdraw/utilize.

✅ What is Ujjivan Bank Gold Loan Contact Number?

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

✅ What is the foreclosure procedure for Ujjivan Small Finance Bank Gold Loan?

A borrower is required to pay 0.50% in case of a Gold Loan Foreclosure.

✅ What is the Ujjivan Small Finance Bank Gold Loan closure procedure?

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

✅ What is Ujjivan Small Finance 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 Ujjivan Small Finance Bank Gold Loan maximum gold loan tenure is 36 months.

✅ What is the minimum gold loan tenure?

The minimum gold loan tenure is 6 months for Ujjivan Small Finance Bank.

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