Union Krishi Kamdhenu Gold Loan Scheme

Union Krishi Kamdhenu Gold Loan Scheme

“कृषि कामधेनु गोल्ड ऋण योजना” एक उदार योजना है जो किसानों को उनके सोने और चांदी के आयातों का उपयोग करके विभिन्न कृषि संबंधित आवश्यकताओं के लिए ऋण प्रदान करने का उद्देश्य रखती है। इस योजना के माध्यम से किसान अपनी कृषि उत्पादन को बढ़ाने, और अपनी आर्थिक स्थिति में सुधार करने के लिए सुजीव रूप से उपयोग कर सकते हैं।

What is Eligibility for Union Krishi Kamdhenu Gold Loan Scheme

  • कोई भी व्यक्ति जिसके पास सोने के आभूषण/आभूषण/सिक्के हों।
  • हमारे बैंक/अन्य बैंक द्वारा बेचे गए सोने के आभूषणों/आभूषणों और विशेष रूप से ढाले गए शुद्ध सोने के सिक्कों पर ऋण दिया जा सकता है। सिक्कों का कुल वजन प्रति ग्राहक 50 ग्राम से अधिक नहीं होना चाहिए
  • मौजूदा और नए ग्राहक, जिनकी इच्छा union Bank के  साथ खाता खोलने की है।

What is Purpose of Union Bank Gold Loan 

  • Finance to Agriculture, allied activities.
  • Finance to food and agro-processing activities.

Assessment of loan amount

  • Loan amount requested by Applicant/assessed amount on declaration
  • 80% / 85% of the appraised value of Gold Ornaments of 22 carat fineness(65% of the appraised value of Hallmark Gold ornaments of below 22 carat upto 18 carat fineness applicable to 7 designated zones like Chandigarh, Delhi, Lucknow, Ranchi, Varanasi, Bhopal and Jaipur)
  • Amount eligible based on the per gram rate fixed by the bank for 22 carat fineness.

  • Specially minted gold coins sold by any Bank (24 carat fineness- up to 50 gram per customer) shall be treated as gold ornaments for loan assessment purpose.
  • If gold ornaments are of Hall mark 22 carat fineness Rs.50 extra per gram can be given under this scheme for gold loan repayable within 9/6/3 months tenure. (#)
  • (#)The loan component including any additional amount for hall-marked jewellery shall be restricted to 75% of assessed gold value

Quantum of Loan Amount:


  • For 22 Karat-Maximum amount of loan is Rs.5 lakhs
  • For Hallmark gold of 18/20 Karat-Maximum quantum of loan amount shall be restricted to Rs. 5 lakh per borrower.


  • Margin 20% – 12/9/6 months tenure (22 karat)
  • Margin 15% – 3 months tenure (22 karat)
  • Margin 35% – 3/6/9/12 month (Below 22 Karat & upto 18 Karat)

(Gold Purity Below 22 Karat and up to 18 Karat accepted in branches fallen in 7 Designated zones Chandigarh, Delhi, Lucknow, Ranchi, Varanasi, Bhopal and Jaipur.)

Repayment Period


  • Maximum Tenure-12 Months.
  • Can be repaid in lump sum or in part payments but the loan must be repaid within 12 months along with accrued interest thereon.

Rate of Interest

  • As per Gold Loan Interest rate table.

Appraisal Charges

  • Appraisal charge of 0.40% of loan amount with a maximum cap of Rs.500/and minimum of Rs. 100 /-


Union Bank of India Gold Loan Required Documents for Applicant

  • 2 Passport Size Photograph
  • National ID – Aadhar Card, Passport, PAN Card, etc. (Only 1 is required)
  • Address Proof – Aadhar Card, Driving License, Ration Card, etc. In the case of Rented House then the rent agreement or water/electricity bills for the last three months can be considered. (Only 1 is required)

FAQs About Union Bank Of India Gold Loan

1) What is the Union Bank of India Gold Loan?

Ans:- Union Bank of India’s Gold Loan is a quick and reliable financial solution. You can secure emergency funds by pledging your gold with the bank. Enjoy attractive interest rates on Term Loan, Overdraft, and EMI-based loans. The average time for Gold Loan approval is only 45 minutes.

2) How can I get the Gold Loan from the Union Bank of India?

Ans:- Accessing Union Bank of India Gold Loan is easy! Visit any nearby branch or apply online through LoanNow from anywhere to avail the best deals and offers on your Gold Loan.

3) What is Gold Loan Interest Rate in Union Bank of India?

Ans :- At Union Bank of India, the Gold Loan interest rate is 7.25% per annum. The rate is determined based on factors such as loan amount, tenure, and gold purity


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