Unity Small Finance Bank Gold Loan Calculator 2026
Unity SFB gold loan interest rates start from 12.5% p.a. (up to 18% p.a. depending on scheme and amount) — verified from the official Unity SFB website. Calculate your eligible loan amount and EMI below.
Unity SFB Gold Loan Rates & Charges
Official Unity SFB rate pageInterest Rate
12.50% - 18.00% p.a.
Rate Type
Fixed
Processing Fee
Up to 1% of the loan amount
Foreclosure Charges
Within 180 days: Up to 2% of principal outstanding. After 180 days: Nil.
- New product (launched after 2026-08-18 seeding, first found 2026-09-03): loan amount Rs. 1 Lakh - Rs. 50 Lakh, tenure 24 months; penal charges 2% per month on overdue payment/margin call amount
Last verified against the official website on Sep 2026. Rates are updated automatically when Unity SFB revises them.
Total Payable12 mo
₹0
Prin: ₹0
Monthly EMI12% p.a.
₹0
Int: ₹0
| Particulars | Amount |
|---|---|
| Gold Value | ₹1,40,000 |
| Loan Amount | ₹0 |
| Monthly Interest | ₹0 |
| Total Interest | ₹0 |
Loan Breakdown12 months
12
Mo
Principal
₹0
0%
Interest
₹0
0%
Bank Gold Loan Insight
Banks offer lower starting rates (8-15%) with strict documentation and 65-80% LTV.
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How Unity SFB Compares (2026)
Gold loan rates across banks and NBFCs, sorted by lowest starting rate
Comparing for₹4,00,000 (60 mo)
Sort by:
| Lender | Interest Rate (p.a.) | Est. Monthly EMI | Calculated Processing Fee | Total Payable (incl. fees & interest) |
|---|---|---|---|---|
| 7.75% - 8.90% | ₹8,063 | Up to ₹1,180 | ₹4,84,960 | |
| 8.50% - 10.40% | ₹8,207 | Nil (Free) | ₹4,92,420 | |
| 8.50% - 9.25% | ₹8,207 | Up to ₹590 | ₹4,93,010 | |
| from 8.50% | ₹8,207 | NIL up to Rs. 5 lakh; above: 0.30% + GST, max Rs. 5,000 (valid to 31.03.2027) | ₹4,92,420 | |
| 8.50% - 8.90% | ₹8,207 | Up to ₹800 | ₹4,93,220 | |
| 8.50% - 22.90% | ₹8,207 | ₹1,841 | ₹4,94,261 | |
| 8.50% - 9.50% | ₹8,207 | Nil (Free) | ₹4,92,420 | |
| 8.60% - 8.65% | ₹8,226 | ₹1,416 | ₹4,94,976 | |
| 8.65% - 9.00% | ₹8,236 | Up to ₹2,360 | ₹4,96,520 | |
| from 8.95% | ₹8,294 | ₹1,416 | ₹4,99,056 | |
| 9.00% - 19.00% | ₹8,303 | Up to ₹4,720 | ₹5,02,900 | |
| 9.00% - 16.00% | ₹8,303 | Up to ₹8,000 | ₹5,06,180 | |
| 9.00% - 20.00% | ₹8,303 | ₹9,440 | ₹5,07,620 | |
| from 9.00% | ₹8,303 | ₹800 | ₹4,98,980 | |
| 9.15% - 10.10% | ₹8,332 | ₹1,416 | ₹5,01,336 |
Live figures calculated for ₹4,00,000 over 60 months. Rates and fee formulas sourced directly from each lender's official website (last verified 3 Sept 2026) and auto-refreshed. GST at 18% is added where charged by the lender.