Uttar Bihar Gramin Bank Agriculture Gold Loan Features & Benefits
| Uttar Bihar Gramin Bank Agriculture Gold Loan Today | Gold Loan Rate Per Gram Today is ₹ 72,800 to ₹ 78,350 |
| Eligible Age | 18 to 75 years |
| Loan Amount Eligibility | Rs. 1,000 to Rs. 2 Cr |
| Documents Required | Basic KYC documents for address and identity proof. No income documents and no CIBIL score documents are required. |
| Purity of Gold | 18 carat to 22 carat |
| Type of Gold | Gold jewellery and gold coins of 18-24 carats |
| Loan to Value Ratio | 25% of the gold ornament’s market value |
Uttar Bihar Gramin Bank offers Agriculture Gold Loans that has a Loan to Value Ratio of 75%. And the purity of these Gold Loans is also used in these banks for availing Agriculture Gold Loans.
Uttar Bihar Gramin Bank Agriculture Gold Loan Calculator
- The Uttar Bihar Gramin Bank has Various Agriculture Gold Loan Calculators. These Gold Loan Calculators has the price of the Gold Loans. The Price of the Gold Loan ranges from 4141 to 2121.
- The Purity of the Gold Loan for the Uttar Bihar Gramin bank also plays a role. The purity of the Gold Loans has a lot of uses.
- Based on the Purity of the Gold Loans there are a lot of benefits and many other things that depend on these Gold Loan Calculators.
- In these Gold Loan Calculators, there is a Loan to Value Ratio. The Loan to Value Ratio is based on various things like the Loan Amount.
Uttar Bihar Gramin Bank Agriculture Gold Loan Eligibility
| Salaried Individual | Age – 21 years to 60 years |
| Net Monthly Income – Minimum ₹ 20,000 | |
| Employment Duration – 1-year minimum | |
| Income Eligibility – Based on Form 16 and salary slip | |
| Self-Employed Individuals | Age – 21-65 years of age |
| Minimum ITR – Rs.2 lakh | |
| Employment Duration – Minimum 3 years | |
| Income Eligibility – Depends on the latest Income Tax Returns | |
| Self-Employed Non-Individuals (Company/Partnership) | Minimum ITR – Rs. 2 lakh |
| Employment Duration – 3 years minimum | |
| The applicant has to present IT returns and audited financials of 2 years with Calculated Income. | |
| Priority Customers | At least 6-month vintage |
| Average Quarterly Balance – 2 quarters balance at a minimum of Rs.1 lakh | |
| Maximum Loan Amount – 3 times the Average Quarterly Balance of the last 2 Quarter |
Documents Required for Uttar Bihar Gramin Bank Agriculture Gold Loan
| Category | Documents Required |
| Identity Proof
(Any 1) |
Passport Voter ID Aadhar Card Driving License |
| Address Proof
(Any 1) |
Aadhar Card PAN Driving License Electricity Bill |
| Date of Birth Proof
(Any 1) |
Passport Birth Certificate High School Marksheet Driving Licence |
| Signature Proof
(Any 1) |
PAN Bankers Verification Passport |
| Income Proof | Salary Slip and latest Form No.16 |
| Bank Statement | Last 6 month Bank statement |
| Employment Continuity Proof | Job card by NREGA ITR of Form no. 16 Salary Slip mentioned with joining date Letter of Appointment |
Uttar Bihar Gramin Bank Agriculture Gold Loan Rate Per Gram by Gold Purity
The above table shows the method by which Banks will calculate your per gram gold loan for gold of varying purity.
Gold Purity
Gold Rate Per Gram- Average Of Past 30 Days
Highest Gold Loan Per Gram
Lowest Gold Loan Per Gram
22 carat
₹ 4,620
₹ 4,999
₹ 4,956
20 carat
₹ 3,939
₹ 4,178
₹ 3,795
18 carat
₹ 3,545
₹ 3,784
₹ 3,460
In the above table, the table is based on the Uttar Bihar Gramin bank Gold Loan Per Gram Rates. These Gold Loan Per Gram Rates are based on the Purity of the Gold Loans.
Uttar Bihar Gramin Bank Agriculture Gold Loan Interest Rates Per Gram
The following table shows the Uttar Bihar Gramin Bank Agriculture Gold Loan Interest Rates Per Gram -Updated Jan 07 2025
Updated - Gold Loan Per Gram Rate w.e.f Jan 07 2025
Gold Weight
Gold Purity
24 CaratGold Purity
22 CaratGold Purity
20 CaratGold Purity
18 Carat
1 gram
4621
4290
3900
3510
10 gram
46210
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
Historical Gold Loan Rates Per Gram
The following table shows the Historical Gold loan Rates per Gram
This Table Contains the Average Annual Gold Rate from 1965 - 2022
Year
Price (24 karat per 10 grams)
Year
Price (24 karat per 10 grams)
2023
₹ 54,699
1994
₹ 4,598
2022
₹ 52,950
1993
₹ 4,140
2021
₹ 50,045
1992
₹ 4,334
2020
₹ 48,651
1991
₹ 3,466
2019
₹ 35,220
1990
₹ 3,200
2018
₹ 31,438
1989
₹ 3,140
2017
₹ 29,667
1988
₹ 3,130
2016
₹ 28,623
1987
₹ 2,570
2015
₹ 26,343
1986
₹ 2,140
2014
₹ 28,006
1985
₹ 2,130
2013
₹ 29,600
1984
₹ 1,970
2012
₹ 31,050
1983
₹ 1,800
2011
₹ 26,400
1982
₹ 1,645
2010
₹ 18,500
1981
₹ 1,800
2009
₹ 14,500
1980
₹ 1,330
2008
₹ 12,500
1979
₹ 937
2007
₹ 10,800
1978
₹ 685
2006
₹ 8,400
1977
₹ 486
2005
₹ 7,000
1976
₹ 432
2004
₹ 5,850
1975
₹ 540
2003
₹ 5,600
1974
₹ 506
2002
₹ 4,990
1973
₹ 279
2001
₹ 4,300
1972
₹ 202
2000
₹ 4,400
1971
₹ 193
1999
₹ 4,234
1970
₹ 184
1998
₹ 4,045
1969
₹ 176
1997
₹ 4,725
1968
₹ 162
1996
₹ 5,160
1967
₹ 103
1995
₹ 4,680
1966
₹ 84
1994
₹ 4,598
1965
₹ 72
Major Banks Agriculture Gold Loan Per Gram Rate Comparison
Tips to Get The Highest Agriculture Gold Loan Amount from Uttar Bihar Gramin Bank
- Some of the things which need to know for availing the Highest Agriculture Gold Loan amount is Gold Loan Purity and Gold Loan Price.
- The Gold Loan Purity and Price are the things that are used in Gold Loans.
- The Gold Loan Purity ranges from 18-24 carat Golds. There should be no gems and stones in the Gold.
- Banks don’t use these Gems and stones in Gold Loans. There is a Loan to Value ratio which is used in the Agriculture Gold Loans.
