Gold-linked deposits

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Product and bank⇅	Deposit type⇅	Eligibility⇅	Accepted gold⇅	Gold quantity⇅	Tenure⇅	Interest rate⇅	Principal repayment⇅	Premature repayment⇅
SBI Gold Monetisation Short Term Bank DepositState Bank of India	Short Term Bank Deposit under the RBI Gold Monetization Scheme, denominated in grams of 995-fineness gold	Individuals, HUFs, proprietorship and partnership firms, eligible SEBI-registered trusts or funds, companies, charitable institutions and central or state government entities	Raw gold bars, coins or jewellery after excluding stones and other metals	Minimum 10 grams of eligible raw gold no maximum	1 to 3 years, including permissible broken periods under RBI rules	0.50% p.a. for 1 year 0.55% above 1 through 2 years 0.60% above 2 through 3 years	Irrevocable choice at deposit opening between gold or the maturity-date Indian-rupee equivalent of the deposited gold	Allowed after a one-year lock-in with penal interest SBI does not quantify the penalty on the reviewed page

Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral. It does not account for eligibility, service, exclusions or personal suitability.