Gold loans

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Product and bank⇅	Interest rate⇅	Benchmark⇅	Maximum finance⇅	Maximum tenure⇅	Minimum income⇅	Processing fee⇅	Prepayment / closure⇅
SBI Personal Gold LoanState Bank of India	9.15% p.a. for 12-month bullet 10.10% p.a. for EMI and overdraft variants	Not published	₹20,000 for EMI or bullet variants ₹5 lakh for overdraft	36 months for EMI and overdraft 12 months for bullet repayment	Not published	₹50,000-₹2 lakh: 0.50%, minimum ₹500 above ₹2 lakh-₹25 lakh: 0.30%, minimum ₹1,000 above ₹25 lakh: 0.25%, minimum ₹7,500 and maximum ₹15,000 GST extra	Not published

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.