About Uttarbanga Kshetriya Gramin Bank Gold Loan
Uttarbanga Kshetriya Gramin Bank is a regional rural bank that was established in 1977. The bank is under the provision of the Government of India, the Central Bank of India and the Government of West Bengal. The bank operates in 5 districts of the state of West Bengal that are Coochbehar, Jalpaiguri, Alipurduar, Darjeeling, and Kalimpong. The head office of this bank is in Coochbehar.
Uttarbanga Kshetriya Gramin Bank Gold Loan Eligibility
- First and foremost, the gold should be in the name of the applicant or family member.
- Secondly, the applicant should be a resident of India.
- Thirdly, The age should lie in between the 18-70 years group.
- Next, the minimum loan amount is 18000 Rupees, and it can go up to 1 Crore depending upon the quality of gold.
- Last but not least, Uttarbanga Kshetriya Gramin Bank Gold Loan is a service with the best rate of interest.
Uttarbanga Kshetriya Gramin Bank Gold Loan At Home
Gold Loan at House is a doorstep loan service that allows you to borrow money from the convenience of your own home. The service is rapid, flexible, and cost-effective because interest rates are low. You can use the gold loan calculator to assess the value of your gold or the loan amount before completing a loan request. Obtaining a Gold Loan at home is an easy and quick process that can be done in a matter of minutes.
Within 30 minutes, one of our employees will contact you and arrive at your home. When all e-documentation and gold identification are completed at your residence, the appropriate gold loan amount will be sent directly to your bank account.
Furthermore, there are many benefits of Uttarbanga Kshetriya Gramin 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
Documents Required for Uttarbanga Kshetriya Gramin Bank Gold Loan
The documents should be particularly from the following options
Applicant Identity Verification Documents can be amongst the below documents (ANY):
- Passport: Valid Copy of passport both front and last page
- Voters ID card: Copy of Valid Voter Identity Card
- Driving License: Copy of Driving license which is valid.
- Adhar card: Copy of Adhar Card with current information
Applicant Address Verification Proof can be amongst the below documents(ANY):
- Passport: Valid Copy of passport both front and last page
- Voters ID card: Copy of Valid Voter Identity Card
- Driving License: Copy of Driving license which is valid.
- Adhar card: Copy of Adhar Card with current information
- Utility Bills on the name of the applicant.
- Sales Tax Certificate
- Rental Agreement
Uttarbanga Kshetriya Gramin Bank Gold Loan Interest Rate
- The Gold Loan Interest Rate starts at 7.25% per annum.
- The financial organizations provide these loans for 1 to 4 years.
- The pre-closure charges are between 0% to 2% of the value of the loans.
Uttarbanga Kshetriya Gramin Bank Gold Loan Advantages
- Great Availability: First and foremost, Loan against gold is a secured service, therefore the processing of this loan is quick as the bank is mostly concerned with the quality and weight of the gold.
- Low Rate of Interest: In contrast to services like personal loans, the gold loan has the least interest rate as banks keep security against the loan.
- Negligible foreclosure charges: Generally, banks do not have any prepayment charges but some banks can charge a penalty of just 1%.
- Safety of Ornaments: The ornaments are more secure with the banks due to the strict security In the banking institutions which is quite less at homes.
- No qualification of Credit Score: As Uttarbanga Kshetriya Gramin Bank Gold Loan is a secured loan, therefore, the applicant does not have to worry about bad loan repayment history.
- Income-proof not required: The salary of an applicant is not an issue for availing a gold loan as it depends majorly on the weight and quality of gold available with the applicant.
- No loan processing charges: Another advantage of Uttarbanga Kshetriya Gramin Bank Gold Loan is that the applicant does not have to pay extra for this service as the approval solely depends upon the asset kept as security.
- Flexible tenure: In addition to other advantages, the applicant can choose the tenure of the loan according to their requirements and needs.
- Only payment of interest: Lastly, the applicant has the option to pay the principal amount at the end of the tenure and only the interest every month.
How to Apply for Uttarbanga Kshetriya Gramin Bank Gold Loan?
- A lot of services are available through lending institutions thus people tend to get confused while choosing the best deal for themselves.
- Our company provides the customer with total assistance during the entire process of the loan and guide them according to their needs.
- The customer is guided without any partiality towards a certain product. Which further gives them a clear picture about the loan to be availed.
- Easily Apply for a Gold Loan through Dialabank or Call directly on our number 95920-46860.
FAQ’s About Uttarbanga Kshetriya Gramin Bank Gold Loan
Q. How much Gold Loan can I get per gram in Uttarbanga Kshetriya Gramin Bank?
The rate of the gold loan per gram in Uttarbanga Kshetriya Gramin Bank depends upon the quality of the gold to be pledged and the market price of the gold as well. The bank gives you approximate funding of 70% of the total market value of the gold to be pledged.
Q. What is Uttarbanga Kshetriya Gramin Bank Gold Loan?
Uttarbanga Kshetriya Gramin Bank offers the Gold Loan product to individuals who live permanently within 10 km of the bank branch for a maximum amount of ₹1 lac for a maximum period of 12 months. The bank offers prepayment and renewal facilities of the loan without any additional charges.
Q. What is the Gold Loan interest rate in Uttarbanga Kshetriya Gramin Bank?
The interest rate charged by the bank on Gold Loan starts from 17.25% per annum and depends on the total amount of the loan that is to be borrowed.
Q. How to pay Uttarbanga Kshetriya Gramin Bank Gold Loan online?
You can pay for Uttarbanga Kshetriya Gramin Bank Gold Loan through various convenient and easy methods provided by the bank. Contact the customer care executive of the bank for detailed information.
Q. How to apply for Gold Loan in Uttarbanga Kshetriya Gramin Bank?
Applying for the loan is a hassle-free process and can be done from the comfort of your home by applying through Dialabank’s digital platform where you just need to fill a form with your requirements and basic personal information to get personalized service helping you to avail yourself the best offer based on your needs.
Q. How to renew Uttarbanga Kshetriya Gramin Bank Gold Loan online?
Visit your loan branch with the loan documents and apply for a renewal with your loan officer. After revaluation of your gold based on the latest market prices and payment of any fee as applicable, your loan will be renewed for another term.
Q. How to take Gold Loan from Uttarbanga Kshetriya Gramin Bank?
Taking the Gold Loan is a quick process. You need minimal documents with no requirement of a guarantor or income proof. You just need to be above 18 years of age in possession of gold, living permanently inside a 10km range of the bank branch. The bank gives quick disbursal of funds once the application is approved.
Q. What is Gold Loan in Uttarbanga Kshetriya Gramin Bank?
Gold Loan in Uttarbanga Kshetriya Gramin Bank is a loan product that allows you to get a loan by submitting your gold as collateral security. The loan amount and interest rates depend on the purity of your gold. The bank lends the amount for a maximum period of 12 months and this amount can be used for any personal or professional expense of the borrower.
Q. How to get Uttarbanga Kshetriya Gramin Bank Gold Loan?
Just apply for the loan by visiting the bank branch or through Dialabank. You need minimal documents and your gold which will be evaluated before the offer is made. The bank gives quick disbursal of the loan amount once an offer is agreed upon.
Q. How to check Uttarbanga Kshetriya Gramin Bank Gold Loan status?
The closure takes place once the payment for the amount has been done by the borrower and the bank has released the gold ornaments. Payment can be made by using various methods that are offered by the bank.
Q. How to close Uttarbanga Kshetriya Gramin Bank Gold Loan?
Close your Gold Loan by visiting the bank branch and paying your loan amount in full. Your gold will be returned to you once your payment has been verified.
Q. How to renew Uttarbanga Kshetriya Gramin Bank Gold Loan?
The renewal process of a Gold Loan is fairly simple. Just visit the branch with all loan-related documents and get the gold kept as security earlier released and revalued again at the current market prices. New terms for the loan would be formed upon the agreement of which the renewal process is completed.
Q. What happens if someone defaults Uttarbanga Kshetriya Gramin Bank Gold Loan?
If someone fails to pay the amount due for the loan on or before the due date, the bank charges a penal fee and if these defaults are continuous the bank has the right to auction your gold to recover the amount. This also affects your credit score negatively.
Q. How many branches of Uttarbanga Kshetriya Gramin Bank Gold Loan?
The Uttarbanga Kshetriya Gramin Bank has more than 100 branches in the state.
