personal non agri gold loan

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Looking for something specific?
We are here to assist.

Ask Lakshmi, Your Virtual Assistant

Call CUB’s 24 X 7 Customer Care:

Write to us: customercare@cityunionbank.com

Quick and simple documentation
Speedy Processing
Low Margin (10%)

Type of Facility	Demand Loan with tenor of, 4 months 6 months 9 months 12 months
Quantum	Maximum of 75% of the market value of gold or 75% of the value of the gold ornaments as appraised by a bank approved appraiser whichever is lower (on gross weight) subject to scale of finance fixed from time to time.
Security	Pledge of gold ornaments with purity between 22 carats to 24 carats only
Rate of Interest	Tenure	4 months	6 months		9 months		12 months
	ROI	11.70% p.a	11.70% p.a		< Rs 100lakh	11.00% p.a	< Rs50 lakh	11.00% p.a
							> Rs 50lakh to < Rs 100lakh	11.25% p.a
					>Rs.100lakh	12.00% p.a	>100 lakh	12.25% p.a
Processing Fee	Tenure	4 months	6 months		9 months		12 months
	PC	0.10%+GST	< Rs10 lakh	0.15%+GST	0.25+GST		0.25+GST
			>Rs 10 lakh to	0.10%+GST
			>Rs 25lakh	0.05%+GST
LTV	As per RBI Norms i.e LTV 75% to be maintained throughout the tenure of loan for all maturities. The borrower will be called upon to reduce the loan outstanding to maintain LTV always upto 75% or above.