Digital Gold Loan
| Sl no. | Parameter | Scheme covenants | |||||||||||||||||||||||||||||
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| 1 | Eligibility | Both Existing to Bank (ETB) and New to Bank (NTB) customers | |||||||||||||||||||||||||||||
| 2 | Quantum Of Loan | Minimum: Rs 25,000/- Maximum loan amount as per scheme guideline subject to lower of (A), (B), (C) & (D) (A) Amount as per value of Gold at Bank Rate (B) Amount as per value of Gold at market rate as per appraiser (C) Loan applied by Borrower (D) Maximum under the scheme limits as per assessment of loan |
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| 3 | Tenure | As per scheme selected | |||||||||||||||||||||||||||||
| 4 | Repayment Period | As per scheme selected | |||||||||||||||||||||||||||||
| 5 | Repayment Type | Bullet Repayment (One Time) | |||||||||||||||||||||||||||||
| 6 | Rate of Interest |
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| 7 | Processing Charges | Priority Sector: Upto Rs. 50,000 – Nil Rs. 50,000 to Rs. 1.00 Lakh – Rs. 250 + GST Non Priority Sector: Upto Rs. 25,000 – Nil Rs. 25,000 to Rs. 1.00 Lakh – Rs. 250 + GST Priority/Non Priority Sector: > Rs. 1.00 Lakh to Rs. 2.00 Lakh – Rs. 350 + GST > Rs. 2.00 Lakh to Rs. 3.00 Lakh – Rs. 500 + GST > Rs. 3.00 Lakh to Rs. 5.00 Lakh – Rs. 800 + GST > Rs. 5.00 Lakh – 0.25% (Max Rs. 4,000) + GST |
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| 8 | Documentation Charges | Nil for physical documentation For NeSL – DDE Charges Actual Stamp charges applicable in both cases |
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| 9 | Appraisal Charges | As applicable (Actual) | |||||||||||||||||||||||||||||
| 10 | Other Terms | As per scheme selected | |||||||||||||||||||||||||||||
| 11 | Cooling off / look-up period | 3 days from the date of sanction/disbursement | |||||||||||||||||||||||||||||
| 12 | Penal Charges | In case of default/delay in repayment/non-compliance of terms, penal charge @ 2% + GST yearly (on outstanding) will be charged. Default charges calculated daily for the entire irregular period. |
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| 13 | Link for RBI Sachet Portal | https://sachet.rbi.org.in | |||||||||||||||||||||||||||||
| 14 | Point of Contact | • Base branch for any issue/query • UCO Customer care no: 18008910 • Digital Banking Department, HO Landline: 033-44559409 Email: digital.lending@ucobank.co.in |
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| 15 | Nodal Grievance Redressal Officer for FinTech/ Digital Lending | Chief Manager, Operations and Services Department, 2nd Floor, 10 BTM Sarani, Kolkata 700001. Ph.: 033-4455 7845 |
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| 16 | Website link of Nodal Grievance Redressal Officer | https://ucobank.com/nodal-grievance-redressal-officer-for-fintech/-digital-lending | |||||||||||||||||||||||||||||
| 17 | Link for online complaint lodgement | https://spgrs.ucoonline.in |
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