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Leverage your gold and give a boost to your dreams!

Almost every Indian household has a few items of gold hoarded away for a rainy day. You can now use your gold holdings –    
in the form of jewellery – to help you get easy and quick financing for your needs.


* Gold Loan facility is available at select branches.


We realize that your gold comes attached with a thousand sentiments. Which is why we ensure utmost protection for your gold while you go out and realize your dreams!



Fees & Charges

Processing Fees

0.50% of Loan Amount + GST


Charges Zero

Penal Charges

2.5% +GST per month on overdue amount.

SI/ACH Bounce

Rs. 500/- + GST

Stamp Duty

As per State Laws

Valuation Charges

₹250+GST, For loan amount up to ₹3 Lakhs
₹500+GST, For loan amount above ₹3 Lakhs

Pre-Closure Charges

1% on the OSP amount as on loan closer date (Only if closure is happening within 30 days from disbursement date)

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Frequently Asked Questions

About Ujjivan SFB Gold Loans

1.What is a gold loan?


A loan taken against your Gold Jewellery is known as Gold Loans.

2. Who is eligible to get a gold loan?


Eligibility - An Indian Resident between the age of 18 and 75 years is eligible to apply for a Gold Loan.

3. How are gold loans different from Individual Loans or credit cards?


Gold loans are sanctioned against your gold or jewellery holdings. Individual Loans and credit cards are sanctioned on the basis of your income proof and repayment capacity.

Individual Loans and credit card borrowings are unsecured loans and usually carry a higher rate of interest than gold loans which are secured loans.

Also, applying for a Individual Loan or a credit card requires a number of documents and the process can stretch for days/weeks. On the other hand, you can get a gold loan across the counter within minutes with minimal documentation.

4. What is the rate of interest charged on such loans?


Currently, the rate of interest on our gold loans is between 13% to 15.99%.

5. What is the tenure of such loans?


Our gold loans are available in tenures that vary between 6 to 36 months.

6. Are there any end-use restrictions involved?


No, there are no end-use restrictions in Ujjivan SFB's gold loans. You can use the loan proceeds as you deem fit but it should not be used for illegal and speculative purpose.

7. How long will it take for me to get my gold loan?


You can get your loan disbursed inside an hour! This is, however, subject to the verification of the gold, your application form and supporting documents.

Repaying your Gold Loan

8. How do I repay my Gold Loan?


3 Repayment schemes are available:- 
1st Bullet Repayment - You can repay your loan through a single Bullet Repayment covering both the principal and interest at the end of the loan tenure. 
2nd Monthly EMI Repayment - You can repay your loan through monthly EMI. 
3rd Monthly Interest Repayment - You can repay interest on monthly basis and Principal at the time of maturity.

9. Can I foreclose or prepay my Gold Loan?


Yes, you can foreclose or make a part prepayment against your Gold Loan. Pre-closure charges will be applicable if closed within 30 days from the disbursement date.

Want to apply for a Gold loan?

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