Utkarsh Small Finance Bank Gold Loan

Gold Loan at 7.25% p.a

Apply & Get Instant Money

HDFC Gold Loan Loan Amount Up to Rs. 1 Crore (With Income Proof)
HDFC Gold Loan Interest Rate 7.25% per annum
HDFC Gold Loan Per Gram Rate Per Gram Today is ₹ 5,219
HDFC Gold Loan Processing Fee 1.50% of the Principal Loan Amount
HDFC Gold Loan Prepayment Charges 2%+GST (Within 3 Months), 0 (After 3 months)
HDFC Gold Loan Repayment Tenure 3 Months to 24 Months
HDFC 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 readily gets accepted and payout entirely.
  • Minimal Documents: For Utkarsh Small Finance BankGold Loan document method is easy and only essential documents ar needed
  • Transparent System: Impeccable accuracy is provided to the client; there are no hidden charges.
  • Amount of Loan: The minimum quantity of loan provided to the client is Rs. 15,000. In rural areas, the minimum quantity may also be but Rs 10,000.
  • Safety of Jewellery: Utkarsh Small Finance Bank takes in-charge of the protection of your gold. Thus, gold is given fireproof protection.
  • Loan Tenure: The loan is provided for the term from three months to a pair of years.
  • Benefits for Farmers: Utkarsh Small Finance Bankprevails some special offers for agricultural functions. Low Gold Loan charge per unit for agricultural uses ar provided.
  • No Debt Burden: If in any condition the person isn’t able to pay the loan amount, the person won’t be below debts.
  • No financial gain bounds: there are not any restrictions on the wage of the person. Hence, candidates with any financial gain level will avail a gold loan.

How much Gold Loan can I obtain 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

Call us on 9878981144 to avail the most effective Deals and Offers on Utkarsh Small Finance Bank Gold Loan Per Gram.

Utkarsh Small Finance Bank Gold Loan Eligibility 

The candidates for Gold Loan are eligible provided that they fulfil the following criteria:

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

In Utkarsh Small Finance Bank Gold Loan stripped documentation is needed to access to the gold loan. Listing the essential documents that are 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)

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

Gold loan is below the class of secured loans where it is used as security that is out there at a low-interest rate. Therefore, the Gold Loan interest rates are additionally inferior to that of the non-public loan or the other kind of loans. The Gold Loan rate keeps on varied time to time likewise as person to person.

HDFC 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

Thus, to undertake all the money barriers in your life, we tend to all would like cash where Gold Loan plays an important role to fight with the money crisis. People with low CIBIL score may also have quick access to the current service. Utkarsh Small Finance Bank Gold Loan is one of the most reliable Gold Loans in India.

Despite there’s a variety of financial banking and non-banking corporations that avail the gold loan, however, Utkarsh Small Finance Bank Gold Loan is taken into account the most effective. Utkarsh Small Finance Bank is well-known for its good money services because it is one in every of the foremost purported and dependable banks in India.

  • Utkarsh Small Finance Bank Gold Loan Interest Rate is 7.25% per annum.
  • Utkarsh Small Finance Bank Gold Loan Per Gram is ₹ 5,219
  • 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

Utkarsh Small Finance Bank provides completely different schemes related to the Gold Loan product.

  •  Loan Against Gold – Utkarsh Small Finance Bank provides Gold Loan at a low rate of interest which may truly fulfil anyone’s direct would like of funds for any personal or skilled reasons. Gold Loan is a secured style of loan wherever the bank has no risk within the disposition quantity of cash to the loan seeker at a lower rate of interest as compared to the opposite types of Loan merchandise.
  • Loan Against Gold for Agriculture-Specifically for agricultural functions to farmers Utkarsh Small Finance Bank Avails Gold Loan at a specific rate of interest as compared to the Gold Loans that are provided. Especially offers avails, and also the bank would like the Land proofs on that basis the loan seekers apply for Loan.

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

How to Pay Your Utkarsh Small Finance Bank Gold Loan EMI?

Utkarsh Small Finance Bank Gold Advance may be salaried within the entirely different following ways:

  • Standing Instruction (SI): If you’re an account holder with Utkarsh Small Finance Bank presently, then Standing Instructions (SI) is the most opted methodology of compensation. Toward the end of the monthly amount, the EMI quantity is going to be attributable from the candidates Utkarsh Small Finance Bank account the person shows.
  • Electronic Clearing Service (ECS): This theme is for the candidates to who is a non-Utkarsh Small Finance Bank record, and also the EMIs have to be compelled to be debited consequently at the end of the month cycle
  • Post-Dated Checks (PDC): The individual will gift post-dated EMI examine from the non-Utkarsh Small Finance Bank statement at your near Utkarsh Small Finance Bank Loan Center. Immediately, the re-creation of PDCs ought to be bestowed. For ideal condition, it’s suggested to notice Post Dated Checks(PDC) which can be collected non-ECS states because it was.

Utkarsh Small Finance Bank Gold Loan Contact Number

Call at 9878981144 to get instant help and approval for your Utkarsh Small Finance Bank Gold Loan. You can know the amazing offers on Gold Loan available from all the Utkarsh Small Finance Bank Branches throughout the country to avail the best deal suitable to your needs.

Gold Ornaments Accepted by Utkarsh Small Finance Bank 

  • Gold Jewellery like Gold Bangles, Gold earrings, Gold Necklaces, Gold rings etc. are all accepted by Utkarsh Small Finance Bank for seeking Gold Loan.
  • Quality: Tthe quality of Gold should be between 18 to 22 Carat. Gold Loan is not provided for gold of 24 Carat.

Use of Utkarsh Small Finance BankGold Loan

The fund that is obtained by Utkarsh Small Finance BankGold Loan services can be used for several purposes:

  • Fund for any particular investments such as hiking, marriage, payment of higher tuition fees, etc.
  • Loan services are available for marketing requirements like buying fresh supply, developing marketing, etc.
  • Additional Gold Loan can also be availed for horizontal ideas. The bank provides a lower rate of interest for Gold Loans that are available for farming or farming-related projects.

Gold Loan Interest Rate of Major Banks

Bank

 Interest Rates

HDFC Bank Gold Loan

7.25% – 14.50%

ICICI Gold Loan

7.25% – 16.10%
Muthoot Finance Gold Loan

7.25% – 24.00%

Axis Bank Gold Loan

7.25% – 17.00%
Manappuram Gold Loan

7.25% – 26.00%

Yes Bank Gold Loan

7.25% – 15.99%
Bank of India Gold Loan

7.25% – 26.00%

Federal Bank Gold Loan 

7.25% – 13.50%
IIFL Gold Loan

7.25% – 12.00%

Central Bank of India Gold Loan

7.25% – 14.65%

Canara Bank Gold Loan

7.25% – 12.65%

Allahabad Bank Gold Loan

7.25% – 10.45%

Induslnd Bank Gold Loan

7.25% – 15.75%
PNB Gold Loan

7.25% – 11.75%

Bajaj Finance Gold Loan

7.25% – 26%
SBI Gold Loan

7.25% – 15.99%

Indian Bank Gold Loan

7.25% – 15.99%
UCO Bank Gold Loan

7.25% – 26.00%

Kotak Mahindra Bank Gold Loan

7.25% – 13.50%
Syndicate Bank Gold Loan

7.25% – 12.00%

FAQs About Utkarsh Small Finance Bank Gold Loan

  • What is Utkarsh Small Finance Bank Gold Loan?

Utkarsh Small Finance Bank Gold Loan may be a loan theme wherever you’ll be able to access for any emergency money help by keeping your gold as a guarantee with the bank. It comes with engaging interest rates on Term Loan, bill of exchange and EMI based mostly loan. Average Gold Loan disbursal time is simply 45 minutes.

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

You can get Utkarsh Small Finance BankGold Loan by being to any nearby Gold Loan offering branch. Even you can access to Gold Loan online with LoanNow from anywhere and get the best deals and offers.

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

The Gold Loan interest rate in Utkarsh Small Finance Bank is 7.25% per annum. The rate of interest depends on different criteria, namely: loan quantity, loan tenure, purity of gold etc.

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

The value of per gram Gold Loan purely rigidly depends on the purity and quality of the gold. Utkarsh Small Finance Bank believes gold purity between 18 to 22 carats to provide a Gold Loan. You can avail up to Rs. 5,219 per gram in Utkarsh Small Finance Bank Gold Loan.

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

To check the status of Utkarsh Small Finance Bank Gold Loan, you can visit Utkarsh Small Finance Bank Loan Tracker. Fill up your particulars in the provided form. It can quickly help you to track the status of your loan from anywhere at any time and keeps you updated.

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

Utkarsh Small Finance Bank Gold Loan interest can be calculated using LoanNow’s EMI Calculator. It gives you the accurate details based on the information the applicant enters in the calculator

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

Utkarsh Small Finance Bank Gold Loan interest can be paid through net banking on the official Utkarsh Small Finance Bank loan repayment web page or alternatively. Another mode Paytm can also be used to repay Utkarsh Small Finance Bank Gold Loan or your favoured payment method.

  • What if I can not pay the interest on Utkarsh Small Finance Bank Gold Loan for three months?

If the interest is not paid back for three months, then initially a reminder is given for your pending dues. After this, if the payment requests go ignored or unheard, then an official legal notice is sent, that demands the repayment and closure of the loan. Such defaults on your Gold Loan ends up in a decrease of your credit score and also make you accountable to face legal actions by the bank, which may include confiscation and auction of your gold.

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

You can apply for EMI Moratorium on Utkarsh Small Finance Bank Gold Loan between 1st March and 31st August 2020. You can get it done by contacting the Bank Customer Care or visiting the nearby Utkarsh Small Finance Bank branch.