Features of Ujjivan Small Finance Bank Gold Loan
Ujjivan Small Finance Bank is an Indian Small Finance Bank in Bangalore and is established on 1 February 2017. Customers can apply for Gold Loans in Ujjivan Small Finance Bank. For more queries regarding Gold Loans, Dialabank is always there for its customers.
The key features of Ujjivan Small Finance Bank Gold Loan are as follows:
- Maximum Loan Amount: Ujjivan Small Finance Bank Maximum Loan Amount is up to Rs. 75 Lakh
- Interest Rate: The interest rate in Ujjivan Small Finance Bank for Gold Loan is 7% per annum.
- Prepayment Charges: Gold Prepayment Charges are 2%+GST within 3 months and zero after 3 months.
- Rate Per Gram: Gold Loan Rate Per Gram is from ₹ 3,506 to ₹ 4,621
Ujjivan Small Finance Bank Gold Loan Comparision with banks
| Bank / NBFC | Rate Per Gram | Interest Rate | Gold Loan Tenure | Min – Max Loan Amount |
| ₹ 3,506 to ₹ 4,621 | 0.099 | 3 to 24 months | ₹ 10 thousand to 5 crore | |
| Private Gold Loan | ₹ 3,506 to ₹ 4,621 | 0.1 | 6 to 12 months | ₹ 10 thousand to 5 crore |
| ₹ 3,506 to ₹ 4,621 | 0.12 | 7 days to 36 months | ₹ 3 thousand to 1 crore | |
| ₹ 3,506 to ₹ 4,621 | 0.1225 | 12 months | ₹ 3 thousand to 1 crore | |
| ₹ 3,506 to ₹ 4,621 | 0.1025 | 36 months | ₹ 20 thousand to 50 lakh | |
| ₹ 3,506 to ₹ 4,621 | 0.1 | 3 to 36 months | ₹ 10 thousand to 5 crore | |
| SBI Gold Loan | ₹ 3,506 to ₹ 4,621 | 0.0975 | 12 to 36 months | ₹ 20 thousand to 50 lakh |
| ₹ 3,506 to ₹ 4,621 | 0.075 | 3 to 36 months | ₹ 20 thousand to 50 lakh | |
| ₹ 3,506 to ₹ 4,621 | 0.1025 | 12 months | ₹ 20 thousand to 50 lakh | |
| ₹ 3,506 to ₹ 4,621 | 0.1025 | 12 months | ₹ 10 thousand to 5 crore | |
| IIFL Gold Loan | ₹ 3,506 to ₹ 4,621 | 0.12 | 11 months | ₹ 3 thousand to 50 lakh |
Ujjivan Small Finance Bank Gold Loan EMI calculator
Ujjivan Small Finance Bank EMI Calculator calculates your monthly EMI at the chosen rate for a selected period. The EMI is set by the loan quantity, rate, and loan term.
Loan quantity: If Customers applies for a bigger gold loan online, then the EMI goes higher.
Interest rate: The Interest rate is directly proportional to the value of EMI. The higher the rate greater the EMI.
Loan Duration: In the case of an extended loan amount/period, the EMI on a gold loan is reduced.
Dialabank is the most trustworthy agent in providing Gold Loans to its customers.
Ujjivan Small Finance Bank Gold Loan Documents Required
Ujjivan Small Finance Bank Gold Loan Documents Required are as follows:
At the time of application the following documents are required:
- Proof of the citizenship of India
- Duly filled application form
- 2 passport-sized photographs
- Applicant’s KYC documents to establish Identity and Address
- Salary/ Income Proof
- Witness Letter in case of illiterate borrowers
- In the case of Agriculture Loan of more than Rs. 1 lac, land proof
- Certificate by the Jewel Appraiser (Bank will arrange)
At the time of disbursement the following documents are required:
- Demand Promissory Note & Demand Promissory Note Take Delivery Letter
- Gold Ornaments Take Delivery Letter
- Arrangement Letter
Ujjivan Small Finance Bank Gold Loan Documents Required – FAQs
✅ How can one get a loan from Ujjivan Small Finance Bank?
- Aadhaar card.
- Copy of PAN Card.
- Address Proof such as Drivers Licence, Aadhaar card, etc.
- Salary slips of the previous 3 months.
- Bank statements of a salary bank account.
✅ Who is eligible for a gold loan?
Any Indian national above age of 18 years and less than seventy years is eligible for a jewellery mortgage. Some banks need you to own a co-borrower if the credit applicant’s age is higher than seventy years.
✅ Is checking an account is necessary for a gold loan?
To avail a gold loan, you do not have to be compelled to submit any document for financial gain or remuneration proof as banks and non-financial establishments offer gold loans with the smallest documents for identity and address proof.
