Utkarsh Small Finance Bank Gold Loan

Gold Loan @ 7%

Apply & Get Instant Money

Utkarsh Small Finance Bank Gold Loan Key Features

Utkarsh Small Finance Bank Gold Loan Amount Up to Rs. 1 Crore (With Income Proof)
Utkarsh Small Finance Bank Gold Loan Interest Rate 7.0% per annum
Utkarsh Small Finance Bank Gold Loan Per Gram Rate Per Gram Today is ₹ 5,268
Utkarsh Small Finance Bank Gold Loan Processing Fee 1.50% of the Principal Loan Amount
Utkarsh Small Finance Bank Gold Loan Prepayment Charges 2%+GST (Within 3 Months), 0 (After 3 months)
Utkarsh Small Finance Bank Gold Loan Repayment Tenure 3 Months to 24 Months
Utkarsh Small Finance Bank Gold Loan Repayment Scheme Bullet Payment Scheme, Overdraft Scheme

Advantages of Utkarsh Small Finance Bank Gold Loan:

  • Fast Process: Utkarsh Small Finance Bank Gold Loan is approved and disbursed very quickly and simply. The loan gets passed within an hour or so.
  • Fewer Documents: The documentation method is easy and fewer, very important documents ar needed for the Utkarsh Small Finance Bank gold loan.
  • Transparent System: The bank provides full transparency to the customer; that’s, there are not any hidden charges.
  • Amount of Loan: The minimum quantity of loan that Utkarsh Small Finance Bank provides to the client is Rs. 15000. Also, It is but Rs ten thousand in rural areas.
  • Safety of Jewellery: One necessary factor to notice is that the bank is liable entirely for the protection of your gold. Thus, gold is unbroken in fireproof protection.
  • Loan Tenure: The tenure of the loan is from three months to a pair of years. Hence, you’ll opt for in line with your comforts.
  • Benefits for Farmers: Utkarsh Small Finance Bank provides some special offers for agricultural functions. That is, the bank offers a small low Gold loan rate for a Gold loan for agricultural use.
  • No Debt Burden: There are times during which a person isn’t able to repay the loan quantity in such a case the lender won’t be underneath debts because the bank can solely confiscate the ornaments.
  • No financial gain bounds: There are not any restrictions on the wage or financial gain of the applicant; thus, anyone with any financial gain rage will avail a gold loan

How Much Gold Loan can I Get through Utkarsh Small Finance Bank Gold Loan:

Utkarsh Small Finance Bank Gold Loan Per Gram – Updated September 2020

Updated - Gold Loan Per Gram Rate

Gold Weight

Gold Purity

Gold Purity

Gold Purity

Gold Purity

24 Carat

22 Carat

20 Carat

18 Carat

1 gram

4680 4290 3900 3510

10 gram

46800 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

Utkarsh Small Finance Bank Gold Loan Eligibility:

Age

18-70 years of age

Nationality

Indian

Employment Status

Salaried, Self-Employed

Gold Quality

Minimum 18 Carats

Utkarsh Small Finance Bank Gold Loan Documents Required:

Photographs

2 Passport Size

Identity Proof

Aadhar Card, Passport, PAN Card, etc. (Only 1 is required)

Residence Proof

Aadhar Card, Driving License, Ration Card, etc. In the case of Rented House then the rent agreement or water/electricity bills for the last three months can be considered. (Only 1 is required)

Utkarsh Small Finance Bank Gold Loan Interest Rate, Fees and Charges:

Gold Loan Interest Rate

7.00% per annum

Processing Fee

1.50% of the Principal Loan Amount

Prepayment/Foreclosure Charges

2%+GST (Within 3 Months), 0 (After 3 months)

Valuation Fee

Rs 250 for a loan up to Rs 1.5 lacs and Rs 500 for a loan over and above Rs 1.5 lacs

Late Repayment Charges

2% p.a. + Applicable rate of interest.

Renewal Processing Fees

Rs 350 + GST

About Utkarsh Small Finance Bank Gold Loan:

When encountered with shortcomings, so you may have a requirement of money to cope up with cash hurdles in your life. To overcome this case, you will be able to get a Gold Loan to battle with the cash related emergency. A gold loan may well be an associate completely secured loan. Individuals with low CIBIL scores can even profit from this organization. Utkarsh Small Finance Bank Gold Loan is new among totally different gold credits in India.

In any case, there is a vast quantity of money connected banking and non-banking affiliations that provide you with a gold loan, however, Utkarsh Small Finance Bank provides you higher funding and a lower rate of interest. It is one of the most dependable and highly estimated banks in India.

  • Utkarsh Small Finance Bank Gold Loan Interest Rate is 7.0% per annum
  • Utkarsh Small Finance Bank Gold Loan Per Gram is ₹ 5,268
  • Utkarsh Small Finance Bank Gold Loan Tenure: Up to 24 months
  • Utkarsh Small Finance Bank Gold Loan Processing Fee is Up to 1.50% of the Loan Amount + GST

Types of Utkarsh Small Finance Bank Gold Loan:

  • Loan Against Gold – Utkarsh Small Finance Bank provides Gold Loan at amazing rates of interest to satisfy anyone’s dire demand of funds for any purpose whether or not or not personal or versatile. The gold loan is also a secured kind of loan then, the bank has no risk in disposal the entire to the loan amount so it’s provided at a lower rate of interest once place next to differing kinds of Loan things.
  • Loan Against Gold for Agriculture –Utkarsh Small Finance Bank provides Gold Loans specifically for agriculture functions to farmers at a special rate of interest as compared to gold loans given for varied uses. They’re given special offers which they are to be compelled to give the bank Land proofs that they are taking the Loan for.

Utkarsh Small Finance Bank Gold Loan EMI Calculator:

Rate of Interest
6 months
1 Yr
2 Yrs
3 Yrs
7.00% 17008 8652 4477 3088
8.00% 17058 8699 4523 3134
8.50% 17082 8722 4546 3157
9.00% 17107 8745 4568 3180
9.50% 17131 8678 4591 3203
10.00% 17156 8791 4614 3227
10.50% 17181 8815 4637 3250
11.00% 17205 8838 4661 3274
11.50% 17230 8861 4684 3298
12.00% 17254 8885 4707 3321
12.50% 17279 8908 4731 3345
13.00% 17304 8932 4754 3369
13.50% 17329 8955 4778 3393
14.00% 17354 8979 4801 3418
14.50% 17378 9002 4825 3442
15.00% 17403 9026 4845 3466

Utkarsh Small Finance Bank Gold Loan EMI?

Your Utkarsh Small Finance Bank gold loan will be reimbursed within the following 3 alternative ways.

  • Standing Instruction (SI): If you’re an account holder presently in Utkarsh Small Finance Bank, the most dependable technique of compensation is Standing Instruction. Your EMI aggregate is going to be credited automatically towards the ending of the month to month amount from the Utkarsh Small Finance Bank checking account you mention to us.
  • Electronic Clearing Service (ECS): If you’ve got a non-Utkarsh Small Finance Bank account and may want your EMIs to be debited consequently close to the end of the month to month cycle from this account, then this program will be applied.
  • Post-Dated Checks (PDC): You can present to us post-dated EMI analyses from a non-Utkarsh Small Finance Bank financial statement at your nearest Utkarsh Small Finance Bank loan Center. A replacement version of PDCs ought to be given directly. It’ll be good if you note Post Dated Checks are going to be collected non-ECS states as it were.

Utkarsh Small Finance Bank Gold Loan Contact Number:

Call 9878981144 and procure instant help and approval for your Utkarsh Small Finance Bank Gold Loan. You’ll be able to find out the foremost effective offers on Gold Loan out there from all the Utkarsh Small Finance Bank Branches throughout the country to avail the most effective deal applicable to your wants.

Utkarsh Small Finance Bank Apex Co-operative Bank:

  • Gold jewellery such as Gold Bangles, Gold rings, Gold anklets, Gold necklaces, etc. all of those is accepted by Utkarsh Small Finance Bank for availing a Gold Loan.
  • Quality: the standard of gold needs to be between 18 Carat to 22 Carat. Any gold ornament that is 24 Carat, can not be used for availing a gold loan.

Use of Utkarsh Small Finance Bank Gold Loan:

The funds obtained by availing the Utkarsh Small Finance Bank Gold Loan service is used for many purposes such as:

  • For financing any specific investments like matrimony, hiking, instalment of upper tuition payments, etc.
  • For all of your selling needs, like buying supplies, developing, selling, etc., loan service is procurable.
  • You can always avail of a Gold Loan for agriculture concepts. The bank provides lower costs of interest for Gold Loans that square measure used for farming or connected comes

Gold Loan Interest Rate of Major Banks

Bank

 Interest Rates

HDFC Bank Gold Loan

7.00% – 14.50%

ICICI Gold Loan

7.00% – 16.10%
Muthoot Finance Gold Loan

7.00% – 24.00%

Axis Bank Gold Loan

7.00% – 17.00%
Manappuram Gold Loan

7.00% – 26.00%

Yes Bank Gold Loan

7.00% – 15.99%
Bank of India Gold Loan

7.00% – 26.00%

Federal Bank Gold Loan 

7.00% – 13.50%
IIFL Gold Loan

7.00% – 12.00%

Central Bank of India Gold Loan

7.00% – 14.65%

Canara Bank Gold Loan

7.00% – 12.65%

Allahabad Bank Gold Loan

7.00% – 10.45%

Induslnd Bank Gold Loan

7.00% – 15.75%
PNB Gold Loan

7.00% – 11.75%

Bajaj Finance Gold Loan

7.00% – 26%
SBI Gold Loan

7.00% – 15.99%

Indian Bank Gold Loan

7.00% – 15.99%
UCO Bank Gold Loan

7.00% – 26.00%

Kotak Mahindra Bank Gold Loan

7.00% – 13.50%
Syndicate Bank Gold Loan

7.00% – 12.00%

 

FAQs About Utkarsh Small Finance Bank Gold Loan:

  • What is Utkarsh Small Finance Bank Gold Loan?

Utkarsh Small Finance Bank Gold Loan is a loan theme that you just will avail for pressing financial needs by keeping your gold as guarantee security with the bank. It also comes with engaging interest rates on Term Loan, Overdraft, and EMI primarily based loan. Average Gold Loan disbursal time at Utkarsh Small Finance Bank is simply forty-five minutes.

  • How can I get the Gold Loan from Utkarsh Small Finance Bank?

You will get Utkarsh Small Finance Bank Gold Loan by visiting any of the gold loan giving branches of Utkarsh Small Finance Bank or on the other hand, you can apply on-line with BookMyLoans from the comfort of your home and find the perfect deals and offers. Utkarsh Small Finance Bank is one in all the leading banks in Bharat that gives Gold Loan service.

  • What is Gold Loan Interest Rate in Utkarsh Small Finance Bank?

The Gold Loan charge per unit in Utkarsh Small Finance Bank is 7.0% per annum. The rate of interest usually dependent upon a variety of things, namely: loan tenure, loan quantity, purity of gold, and relationship with Utkarsh Small Finance Bank

  • How much Gold Loan can I get per gram in Utkarsh Small Finance Bank?

The per gram Gold Loan in Utkarsh Small Finance Bank that you simply will get depends on the authenticity of your gold. Utkarsh Small Finance Bank accepts gold of purity between eighteen carats to twenty-two carats to produce a Gold Loan. you’ll be able to avail up to ₹ 5,268 Per Gram in Utkarsh Small Finance Bank Gold Loan

  • How to check Gold Loan status in Utkarsh Small Finance Bank?

In order to ascertain your Utkarsh Small Finance Bank Gold Loan standing all you wish to try to do is visit the Utkarsh Small Finance Bank loan status tracker website and fill in your details within the kind given. You’ll be able to simply track the status of your loan from anyplace and keep updated.

  • How to calculate Gold Loan Interest in Utkarsh Small Finance Bank?

You can calculate the interest on your Utkarsh Small Finance Bank Gold Loan making use of BookMyLoans’ EMI Calculator which provides you accurate amounts supported the data you enter into the calculator.

  • How to Pay Utkarsh Small Finance Bank Gold Loan Interest Online?

You can easily pay Utkarsh Small Finance Bank Gold Loan interest online via internet banking on the official Utkarsh Small Finance Bank loan compensation website or else, you can additionally repay your Utkarsh Small Finance Bank Gold Loan on Paytm utilizing your most favoured payment technique.

  • What if I can’t pay the interest on Utkarsh Small Finance Bank Gold Loan for 3 months?

If you are doing not pay your Utkarsh Small Finance Bank Gold Loan for 3 months, the bank can initially cue you of your unfinished dues. If the payment requests go unhearable an official legal notice is distributed stringent the compensation and closure of the loan. Loan Defaulting ends up in a decrease of your credit score and additionally causes you to susceptible to face legal actions by the bank as well as seizure and auction of your gold.

  • How can I apply for EMI Moratorium on Utkarsh Small Finance Bank Gold Loan?

You can apply for EMI Moratorium on Utkarsh Small Finance Bank Gold Loan currently between first March and thirty-first August 2020 and should be done by contacting the Bank client care or visiting the closest Utkarsh Small Finance Bank branch.

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