Gold Loan Interest Rate October 2025: Current Rates & Festival Offers
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In Loans
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Date 17 Oct,2025
As the festive season approaches, gold loans become an ideal financial solution for quick funding. Utkarsh Small Finance Bank offers competitive gold loan interest rates in October 2025, making it easier for you to meet festival expenses without hassle.
Gold loans are secured loans where you pledge your gold ornaments or coins as collateral, allowing fast disbursal and minimal paperwork.
Why Consider a Gold Loan This Festival Season?
- Quick Access to Funds: Receive money instantly to meet urgent financial needs.
- Low Interest Rates: Competitive rates make borrowing affordable.
- Flexible Tenures: Repay in installments or at the end of the tenure.
- Minimal Documentation: Simple process requiring basic KYC.
- No Credit Score Requirement: Secured by gold, making it accessible for everyone.
Current Gold Loan Interest Rates at Utkarsh Small Finnce Bank (October 2025)
|
Loan Type |
Interest Rate (p.a.) |
Tenure |
Features |
|
Gold Loan |
12.5% to 24% |
3-12 months |
Quick approval, flexible repayment |
|
|
|
|
|
Utkarsh Small Finance Bank - Gold Loan
How to Apply for a Gold Loan
- Visit a Branch or Apply Online: Choose your preferred mode of application.
- Submit Gold as Collateral: Ornaments or coins in good condition.
- Provide KYC Documents: ID proof, address proof, and any other required documents.
- Get Loan Approval: Based on gold valuation and eligibility.
- Receive Funds: Direct credit to your account or cash disbursal.
Benefits of Taking a Gold Loan from Utkarsh Small Finance Bank
- Fast Processing: Immediate approval for urgent needs.
- Affordable Interest: Lower than many unsecured loans.
- Flexible Repayment: EMI or lump sum repayment options.
- Secure Investment: Gold acts as collateral, reducing risk.
- Festive Offers: Special rates and schemes during October 2025.
Frequently Asked Questions (FAQs)
Q1. What is the current gold loan interest rate in October 2025?
The gold loan interest rate at Utkarsh Small Finance Bank ranges from 12.5% to 24% p.a.
Q2. Do I need a good credit score to apply for a gold loan?
No, the loan is secured by gold, so credit score is not mandatory.
Q3. Can I repay the loan before the due date?
Yes, prepayment or foreclosure is allowed, subject to bank policies.
Q4. How is the loan amount calculated?
The loan amount depends on the current market value of gold and the purity of the pledged gold.
Q5. Are there any special offers during festivals?
Yes, Utkarsh Small Finance Bank offers festive schemes with lower interest rates and instant approval for October 2025.
Check Gold Loan Rates
Ensure your festival celebrations are financially stress-free. Check gold loan interest rates and avail special festive offers with Utkarsh Small Finance Bank.
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