Welcome to United Multi State Credit Co-Operative Society Ltd. A Multistate Credit Cooperative Society Registered with Central Register, New Delhi under Multistate Cooperative Society Act-2002 and doing finance business amoung its members.


Let the gold add glitter to your life. Unlock the value of your gold while you continue to own it.

UNITED has designed a scheme to provide liquidity against gold and gold Jewellery without having to sell them

Let your gold help you bring the golden period in life...


Avail Loan upto Rs.10,00,000 & upto 85% of value

Hassle-free quick processing of loans

Minimum documentation and quick disbursal

Simplified Paperwork.

Easy Payment options.

ATL - Anytime Liquidity

No EMI, Service only Interest and enjoy the Loan facility


1. The rate of interest will be @ 1% to 2.5% per month..

2. Avail loan amount ranging from Rs. 5000 to Rs. 10,00,000.

3. The valuation of the gold ornaments will be done by UNITED through authorized value, and the cost of valuation will be borne by borrower.

4. Two colored photographs of gold ornaments are required.

5. Two colored photographs of borrower and his/her ID proof are required.

6. The loan interest will be paid on monthly basis.

7. In case of nonpayment of interest for 6 months, the Gold ornaments will be sold by UNITED.

8. The expenditure on sale of Gold ornaments plus due loan amount and 5% penalty rest on due amount interest will be deducted and balance amount will be deposited in to loan account.

9. The borrower has to provide an affidavit declaring the ownership of the ornaments.

10. In case the borrower does not pay the interest a penalty of 5% has to be paid along with next interest instalment.