Uttarakhand Gramin Bank Gold Loan

Uttarakhand Gramin Bank Gold Loan Eligibility

Uttarakhand Gramin Bank Gold Loan at Home 

Gold Loan at Home is an immediate or doorstep loan service that allows you to borrow money from the comfort of your own home. As interest rates are low, the service is quick, flexible, and economical. Before submitting a loan request, you can also use the gold loan calculator to determine the worth of your gold or the loan amount. The process for getting a Gold Loan at home is quite simple and convenient, and it can be completed in just a few minutes.

One of our representatives will contact you and arrive at your home within 30 minutes. The appropriate gold loan amount will be paid immediately to your bank account when all e-documentation and gold identification is completed at your home.

The benefits of getting a gold loan at your doorsteps are:

• Access To Your Loan Account 24 X 7
• Diverse Range of Gold Loan Schemes
• Your Gold will just be released the same day.
• Pre & Part Payment Facility
• You can get free insurance for your Gold
• There are no hidden fees.
• You will get the maximum value of your Gold
• Service at Your Door in 30 Minutes
• You can avail your Gold Loan in just 1 visit

Uttarakhand Gramin Bank Gold Loan Documentation

Uttarakhand Gramin Bank Gold Loan Interest Rates, Fees and Charges

Types of Uttarakhand Gramin Bank Gold Loan 

• The agricultural loan is provided to farmers for agricultural purposes at a special rate of interest.
• Non- agricultural purpose loans against gold are provided to individuals for all kinds of purposes except agricultural purpose. The rate of interest is slightly higher.

Uttarakhand Gramin Bank Gold Loan Apply Online

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

Uttarakhand Gramin Bank Gold Loan EMI Calculator

How to Pay Your Uttarakhand Gramin Bank Gold Loan EMI?

The applicant can repay the loan amount in three ways:

• Term loan: In this, the applicant just has to pay the interest rate for the entire loan tenure. After the loan tenure, the loan seeker has to pay the principal amount.
• Overdraft Facility: In this service, the applicant can use the amount of money they want to use. The interest rate is also charged for the used loan amount only.
• EMI Facility: The applicant has to pay a fixed EMI every month which includes the interest rate and a portion of the principal amount.

Uttarakhand Gramin Bank Gold Loan Contact Number

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

Gold Ornaments Accepted by Uttarakhand Gramin Bank

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 Uttarakhand Gramin Bank Gold Loan

The loan amount acquired by availing the Uttarakhand Gramin 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 business financial requirements, such as buying raw material, inventory, etc.

FAQs About Uttarakhand Gramin Bank Gold Loan

✅ What is Uttarakhand Gramin Bank Gold Loan?

Uttarakhand Gramin 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 24 months. This loan can be used for solving any monetary issues faced by the borrower.

✅ How can I get Gold Loan from Uttarakhand Gramin Bank?

You can avail Gold Loan from the Uttarakhand Gramin Bank is a hassle-free and straightforward process:

• Fill in your vital information in the form available on Dialabank.
• Our trained Relationship Manager will get in touch with you within 30 minutes.
• We will suggest you the loan according to your personal requirements, in your specific city.
• Visit the assigned branch of the bank.
• Get the loan sanctioned in just 30 minutes.

✅ How much Gold Loan can I get per gram in Uttarakhand Gramin Bank?

The Gold Loan Per Gram Rate by Uttarakhand Gramin Bank varies daily and you will have to contact the customer care executive for the same. The bank gives a Loan to a Value of 75%.

✅ How does Uttarakhand Gramin Bank Gold Loan work?

The Uttarakhand Gramin 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 Uttarakhand Gramin Bank?

The rate of interest depends on the total amount of the loan and the purpose of the loan. Uttarakhand Gramin Bank rate of interest begins from 7% per annum.

✅ How to check Uttarakhand Gramin Bank Gold Loan status?

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 much Processing Fee is applicable on Uttarakhand Gramin Bank Gold Loan?

A processing fee of up to 0.85% of the loan amount is charged.

✅ How to renew Uttarakhand Gramin Bank Gold Loan?

Renewal of the Gold Loan by Uttarakhand Gramin 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.

✅ How to pay Uttarakhand Gramin Bank Gold Loan Interest online?

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

✅What if I can’t pay the interest on Uttarakhand Gramin Bank Gold Loan for 3 months?

If someone defaults on the payments of Uttarakhand Gramin 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.

✅What is Uttarakhand Gramin Bank Gold Loan Overdraft Scheme?

Uttarakhand Gramin Bank Offers an Overdraft Scheme. With this, the loan amount comes as 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. The bank charges interest only on the amount you withdraw/utilize.

✅What is the customer care number for Uttarakhand Gramin Bank Gold Loan?

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

✅What is the foreclosure charge for Uttarakhand Gramin Bank Gold Loan?

Uttarakhand Gramin Bank charges a borrower up to 0.50% on the principal amount as the Foreclosure charges.

✅What is the Uttarakhand Gramin Bank Gold Loan closure procedure?

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

✅ What are Uttarakhand Gramin 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 maximum gold loan tenure is 36 months for Uttarakhand Gramin Bank.

✅ What is the minimum gold loan tenure?

The minimum Uttarakhand Gramin Bank gold loan tenure is 6 months.