Interest Rate & Loan Details

• Interest Rate: Ranges from 10.00 to 15.50 percent per annum (depending on loan amount and tenure)
• Loan Amount: Minimum 25001 – Maximum 25 lakh
• Loan Tenure: 6 to 39 months
• Processing Fee: Up to 3 lakh: 0.50 percent of loan amount (minimum 300 plus GST); above 3 lakh: flat 1000 plus GST
• Pre-closure Charges: 1 percent of principal if closed after 1 month
• Loan-to-Value (LTV) Ratio: Up to 75 to 80 percent of pledged gold’s value

Purpose of Gold Loan

• Personal expenses and emergencies
• Medical or educational costs
• Business or working capital
• Agricultural and seasonal requirements

Eligibility Criteria

• Age: 18 to 75 years
• Ownership: Gold jewellery or coins (18 to 22 carat)
• KYC Documents: Valid ID and address proof required

Documents Required

• Completed application form with photo
• Identity proof (Aadhaar, PAN, Passport, Voter ID, Driving License)
• Address proof (Aadhaar, utility bill, ration card, lease agreement)

Loan Amount & Security

• Minimum Loan: 25001
• Maximum Loan: 25 lakh
• Security: Gold jewellery or coins pledged

Repayment Options

• Bullet Repayment: Pay full interest and principal at maturity
• Monthly Interest: Interest monthly, principal at end
• EMI Option: Monthly instalments of interest and principal

Charges & Fees

• Processing Fee: As above based on loan amount
• Valuation Fee: Up to 3 lakh: 250 plus GST; above 3 lakh: 500 plus GST
• Renewal Fee: Up to 3 lakh: 0.25 percent or 300 plus GST; above 3 lakh: 500 plus GST
• Late Payment Fee: 2.5 percent per month plus GST on overdue
• Bounce Charges: 500 plus GST
• Legal/Auction Charges: 500 plus GST or actuals

Key Considerations

• Gold must be 18 to 22 carat; coins and jewellery accepted
• Ensure all terms are read before signing loan agreement
• Defaulting may result in gold auction by the bank

Benefits of Ujjivan Small Finance Bank Gold Loan

• Quick disbursal: Same-day processing in most cases
• No guarantor: Gold itself acts as collateral
• Transparent terms: No hidden charges
• Flexible repayment: Choose bullet, EMI, or interest-only plans

Contact Ujjivan Small Finance Bank

• Customer Care: 1800 208 2121
• Website: www.ujjivansfb.in