Gold Loans
Secure financing against your gold jewellery with quick processing, competitive interest rates, and transparent pricing. UFin Gold Loans help customers meet personal, business, agricultural, educational, or emergency financial needs while retaining ownership of their gold.
Loan Range
₹25,000 – ₹10,00,000
Tenure
Up to 12 Months
Interest Rate
From 20.00% p.a.
Processing Fee
2% – 3%
Of loan amount + applicable GST
UFin Gold Loans provide instant liquidity by accepting eligible gold jewellery as collateral. Customers benefit from quick loan disbursement, minimal documentation, secure storage of pledged gold, and flexible repayment options.
Loan Details
| Parameter | Details |
|---|---|
| Loan Amount | ₹25,000 – ₹10,00,000 |
| Loan Tenure | Up to 12 Months |
| Repayment Options | Interest Servicing / EMI / Bullet Repayment (as applicable) |
| Interest Rate | Starting from 20.00% p.a. |
| Maximum LTV | Up to 75% of Gold Value (as per RBI guidelines) |
| Processing Fee | 2% – 3% of Loan Amount |
| GST | Applicable on Processing Fee |
| Prepayment | Allowed as per company policy |
| Security | Gold Jewellery (22K and eligible ornaments) |
Eligibility
Customers applying for a UFin Gold Loan should meet the following criteria:
Indian Resident
Must be an Indian citizen.
Age
18 to 75 years.
Eligible Gold Jewellery
Loan is provided against eligible gold ornaments as per company policy.
KYC Documents
Valid Aadhaar, PAN, and Address Proof.
Loan Purpose
Loan can be availed for personal, business, agricultural, educational, medical, or other legitimate financial requirements.
Key Features
- Quick loan approval and disbursement.
- Loan against gold jewellery with up to 75% LTV as per RBI guidelines.
- Attractive interest rates starting from 20.00% p.a.
- Flexible repayment options.
- Safe and secure storage of pledged gold.
- Transparent charges with no hidden fees.
- Minimal documentation.
- Easy renewal and closure options.
Documents Required
- Aadhaar Card
- PAN Card
- Recent Passport-size Photograph
- Address Proof (if different from Aadhaar)
- Original Gold Jewellery for valuation