• To meet the expenses of crop cultivation.
  • Lower Rate of Interest.
  • No Prepayment penalty
  • Minimal processing charges
  • Multiple transactions within the limit allowed
  • Quick processing and disbursement.
Nature of Facility Single Transaction Limit/Overdraft.
Loan Quantum
  • Up to 85% of the Appraised Value of Gold. (Quantum shall be restricted to amount arrived based on Lending Rate per gram or Project Cost, whichever is lower.)
  • Minimum amount - Rs. 2.00 Lakh
  • Maximum amount - Rs. 35 lakhs.
    Subject to a ceiling of Rs. 35 Lakh per Borrower under Agricultural Gold Loan schemes.
Security

Pledge of

  • Gold ornaments/Jewellery.
  • Specially minted Gold coins sold by banks up to 50 grams per customer.
Repayment
  • Revolving Facility tenable upto 36 Months subject to Annual Review. Monthly interest to be serviced.

Nomination Facility is available

  • Resident Individuals.
  • To meet the expenses of crop cultivation.
  • 1 Year MCLR + 0.10% w.e.f.,14.10.2025

Loan Quantum

Consolidated Processing Charges (Excluding GST)

Up to Rs.0.50 Lakh

NIL

Above Rs 0.50 Lakh to Up to Rs.1.00 Lakh

Rs.250.00

Above Rs.1.00 Lakh Up to Rs.3.00 Lakh

Rs.500.00

Above Rs.3.00 Lakh Up to Rs.5.00 Lakh

Rs.1100.00

Above Rs.5.00 Lakh Up to Rs.10.00 Lakh

Rs.1450.00

Above Rs.10.00 Lakh

Rs.2750.00