this is a starting rate, not a maximum or an individual quotation.
Value awaiting review
₹50,001–₹25,00,000.
6 or 11 months.
Value awaiting review
For individuals engaged in agriculture or allied activity, including dairy, fishery, animal husbandry, poultry, bee-keeping and sericulture. Age 21–70 at application.
Up to 1% of the disbursement amount. The older 2023 Gold Loan Kit states 1% and says applies if applicable
the later schedule linked from the current Rates & Charges page does not specify tax on this row.
The later Gold Loan schedule linked from the current Rates & Charges page lists 3% of outstanding principal. The 2023 Gold Loan Kit says nil foreclosure on fixed-rate loans
the current product page does not state the rate type, and the linked 2026 could not be retrieved.
this is a starting rate, not a maximum or an individual quotation.
Value awaiting review
₹10,000–₹25,00,000 for bullet repayment
₹10,000–₹80,00,000 for regular repayment.
Bullet repayment: 6 or 11 months. Regular repayment: 6–36 months.
Value awaiting review
Bullet repayment: 21–70 years at application. Regular repayment: 18–72 years at application.
Up to 1% of the disbursement amount. The older 2023 Gold Loan Kit states 1% and says applies if applicable
the later schedule linked from the current Rates & Charges page does not specify tax on this row.
The later Gold Loan schedule linked from the current Rates & Charges page lists 3% of outstanding principal. The 2023 Gold Loan Kit says nil foreclosure on fixed-rate loans
the current product page does not state the rate type, and the linked 2026 could not be retrieved.
Activity-based pricing is published as: Agriculture at 1 Year + BSS 0.15%
Agriculture–Food & Agro at RBLR + 0.25%
at RBLR + 0.65%
Retail at RBLR + 1.05%. The page does not show a single present rupee-rate percentage for all activity types.
Activity-specific benchmarks are 1 Year for agriculture and RBLR for Agriculture–Food & Agro, and retail, with published BSS/ spreads.
Loan-to-value is up to 85% of gold value. Minimum loan amount is ₹20,000 and maximum loan amount is ₹30 lakh.
Value awaiting review
Value awaiting review
Any individual who is the lawful owner of gold jewellery, ornaments or coins. Agriculture-allied loans above ₹2.50 lakh additionally require land-holding particulars.
Including proposal processing, documentation and inspection: up to ₹50,000 nil
above ₹50,000 to ₹1 lakh₹250
above ₹1 lakh to ₹5 lakh₹500
above ₹5 lakh to ₹10 lakh₹1,000
above ₹10 lakh₹1,500. Applicable is extra.
No pre-closure charges are published for the Gold Loan.
Published /PED rate table: 8.50% p.a.up to ₹1 crore at 75% , 9.00%up to ₹5 lakh at 80% and 9.25%up to ₹2.50 lakh at 85% . Bullet-repayment tables use the same rates with lower . The page separately states the current lowest rate from 8.50% p.a.
plus a published spread: + 0.45% = 8.50%, + 0.95% = 9.00% and + 1.20% = 9.25% in the reviewed scale table.
Minimum quantum ₹20,000 and maximum amount up to ₹1 crore, subject to the bank's terms and tables.
Term-loan repayment up to 24 months
bullet repayment up to 12 months.
No income threshold is published and no score is required
all individuals who own eligible gold and satisfy can apply.
Value awaiting review
Up to ₹3 lakh: nil
above ₹3 lakh to ₹5 lakh: ₹500
above ₹5 lakh to ₹10 lakh: ₹1,000
above ₹10 lakh to ₹20 lakh: ₹1,500
above ₹20 lakh: ₹2,000. Packing/out-of-pocket expense is ₹100 plus .
No pre-payment, pre-closure or part-payment charges.
+ 0.95% p.a., effective from 12 March 2026 for Swarna schemes in the reviewed official rate table.
Repo Linked Lending Rate ().
₹5,000 minimum and ₹50 lakh maximum per borrower across Swarna Loan, Swarna , Swarna Express and Swarna Monthly Interest schemes.
Bullet repayment within 12 months from sanction, along with interest.
No income threshold is required or published for this secured gold-loan page
resident individuals and are eligible subject to gold appraisal and .
Value awaiting review
Swarna Loan, Swarna and Swarna Monthly Interest: 0.30% of loan amount, minimum ₹250 and maximum ₹3,000, excluding . Swarna Express has a separate 0.15% band.
No prepayment penalty
the loan may be closed during the tenure subject to the scheme terms.
The page links to Central Bank's latest interest-rate table rather than stating a standalone percentage.
Value awaiting review
₹10,000 minimum and ₹60 lakh maximum overall under the retail-and-agriculture-micro (RAM) segment
retail is 68%–78% and margin is 22%–32% by borrower/ exposure.
12 months.
No minimum income threshold is published
borrowers with annual income above ₹10 lakh have extracted for deduction assessment.
Individuals aged 18 or above with -compliant Central Bank accounts
gold/jewellery shop owners, goldsmiths, appraisers and their close relatives are not eligible. Exposure above ₹2.50 lakh is assessed on repayment capacity.
Nil up to ₹5 lakh. Above ₹5 lakh: 0.30% of loan amount plus , capped at ₹5,000
the bank says approval and the rate of interest are at its sole discretion, and the offered rate varies with loan duration, amount and borrower profile.
Value awaiting review
Gold-backed term-loan or overdraft facility from ₹25,000, with a published starting rate of 11.91% p.a. and a 6–42-month tenure range. Bank does not publish a general maximum loan amount on the reviewed product page
the sanctioned amount depends on gold valuation and the bank's assessment.
6–42 months
Value awaiting review
Indian residents aged 18–75 who are businessmen, traders, farmers, salaried or self-employed individuals may apply, subject to Bank approval and the pledged-gold requirements.
Maximum 1% of the disbursal amount plus applicable taxes. Micro and Small Enterprises with facilities up to ₹5,00,000 are exempt if they submit a Udyam Registration Certificate before disbursal.
September 2026 charges page: 2% + applicable tax within 30 days
1% + tax after 30 and through 180 days
nil after 180 days. Exception: qualifying fixed-rate loans up to ₹50,00,000 are exempt when closed/part-paid from own funds. The product-page instead says 1% + within 6 months and nil after 6 months
follow-up is required to reconcile this conflict for the applicable loan type.
Jewel Loan (Non-Priority) term loan with bullet repayment: 9.10% p.a. floating in Indian Bank's current rate table dated 14 August 2026. The current table lists the separate -against-gold-jewels rate under the product.
The Jewel Loan term row is labelled floating but the current official table does not identify a named benchmark or spread.
Retail jewel loans are capped at ₹25 lakh per customer, with an aggregate customer ceiling of ₹50 lakh across the published agriculture/retail/ jewel-loan limits. Up to five jewel loans may be held at one time.
Bullet repayment: maximum 12 months, repaid at the end of the 12th month with accrued interest. repayment: maximum 35 months, with beginning in the month after disbursement.
No rupee minimum income is published. For retail jewel loans up to ₹2.50 lakh, the bank may use the borrower's income declaration or proof
above ₹2.50 lakh, valid , Form 16 or other income proof is mandatory with detailed repayment-capacity assessment.
General public, women applicants, senior citizens and Indian Bank staff
existing and new customers. Entry age is 21 years and exit age is 70 years. Gold must be pledged and the stated income-assessment rules apply.
Nil under the current Indian Bank schedule for Jewel Loan (Non-Priority).
8.50%–8.80% p.a. floating for the non-priority against Gold Jewels row in Indian Bank's current rate table dated 14 August 2026.
The -against-gold-jewels row is labelled floating but the current official table does not identify a named benchmark or spread.
₹25,000 minimum and ₹10 lakh maximum overdraft limit
eligible amount is the lower of 75% of market value of pledged jewels and the per-gram advance value.
The overdraft is renewed within one year of original or latest sanction, with withdrawals permitted within the limit and interest serviced as charged.
No income threshold is published. The is secured by pledged jewels and is assessed against the published value and per-gram advance rules.
General public, women applicants and the listed COVID-warrior/public-service groups including healthcare professionals, sanitation staff, police/home guards, Anganwadi/ASHA, Dak Sewak, fire staff, ex-servicemen and NSS volunteers. Minimum entry age is 21 years.
Nil under the current Indian Bank schedule for against Gold Jewels.
average 11.56%. The page does not show a current-quarter range
the borrower's fixed rate is stated in the sanction letter.
Fixed rate stated in the sanction letter
calculated per annum with monthly rests. The applicable rate and payment dates follow the sanction terms.
Up to ₹1 crore.
Up to 36 months.
Value awaiting review
Individual borrowers aged 18–75. The bank may request additional documents for sanction. No income proof is required for a loan up to ₹20 lakh, according to the product page.
Processing: up to 1% of loan amount + . Gold valuation: ₹750 + for loans up to ₹2 lakh
The Schedule of Charges says 1% + on the outstanding loan amount for foreclosure and part-prepayment. The agreement template's schedule says 1% of the amount being paid
the percentage base conflicts and must be confirmed in the sanction documents.
above ₹10 lakh, +0.90 points = 9.25% p.a. Agriculture: up to ₹2.5 lakh, +0.50 points = 8.85% p.a.
above ₹2.5 lakh, +0.75 points = 9.10% p.a. Combined rates are arithmetic using PNB 8.35% effective 8 October 2026, not quoted all-in offers.
PNB is 8.35% effective 8 October 2026
the Digital Gold Loan page applies an additional segment and amount-band spread.
Retail: ₹25,000 to ₹25 lakh per borrower. Agriculture: ₹10,000 to ₹25 lakh.
Agriculture: bullet demand loan up to 12 months
monthly up to 36 months
overdraft sanctioned for 12 months subject to annual renewal, with interest serviced as due. Retail: bullet demand loan up to 12 months or up to 36 months.
Value awaiting review
Retail: an individual resident of India. Agriculture: a person engaged in agriculture or allied activities classified as agriculture under rules. The Digital Gold Loan page says both existing PNB customers and new-to-bank customers may apply.
Retail: 0.30% of the loan amount + or ₹500 + , whichever is higher. Agriculture: up to ₹50,000, nil
above ₹50,000up to ₹2 lakh, ₹500 +
above ₹2 lakh, 0.25% + capped at ₹5,000 + . Documentation charge is nil for both segments.
Retail: up to ₹10 lakh, +0.85 percentage points = 9.20% p.a.
above ₹10 lakh, +0.90 points = 9.25% p.a. Swarnim agriculture: up to ₹2.5 lakh, +0.50 points = 8.85% p.a.
above ₹2.5 lakh, +0.75 points = 9.10% p.a. Combined percentages are arithmetic using PNB 8.35% effective 8 October 2026, not separately quoted offer rates.
PNB is 8.35% effective 8 October 2026. The gold-loan rate adds the segment and sanction-amount spread published by PNB.
Retail: ₹25,000 to ₹25 lakh per borrower. PNB Swarnim agriculture: ₹10,000 to ₹25 lakh per borrower.
Retail: bullet demand loan up to 12 months
term loan up to 36 months
overdraft has a 12-month sanction period subject to annual review and a published repayment ceiling of 36 months subject to review. Swarnim: bullet up to 12 months
monthly up to 36 months
overdraft sanctioned for 12 months subject to annual renewal, with interest serviced as due.
Value awaiting review
Retail gold loan: an individual resident of India. PNB Swarnim: farmers and agricultural entrepreneurs, including tenant farmers, oral lessees and sharecroppers, and others engaged in agriculture or allied activities that qualify under , Government of India or rules.
Retail: 0.30% of loan amount + or ₹500 + , whichever is higher
Up to ₹2.5 lakh: +0.50%, which is 8.85% p.a. using 8.35% effective 8 October 2026. Above ₹2.5 lakh: +0.75%, which is 9.10% p.a. These two figures are arithmetic results from PNB's published formula and benchmark, not separate PNB-quoted offers.
PNB is 8.35% effective 8 October 2026. Swarnim adds 0.50 percentage pointsup to ₹2.5 lakh and 0.75 points above that amount.
₹25 lakh per borrower.
Bullet demand loan: up to 12 months, with interest and principal due at maturity. Monthly demand loan: up to 36 months, with interest and principal serviced as due. Overdraft: 12-month sanction subject to annual renewal
interest serviced as due.
Value awaiting review
Farmers, agri-entrepreneurs, tenant farmers, oral lessees, sharecroppers and other persons engaged in -classified agriculture/allied activity. is required. Up to ₹2.5 lakh, obtain a self-declaration
above ₹2.5 lakh, obtain landholding records and/or valid proof of agriculture activity. The borrower needs regular income, including projected income, to service interest/.
Up to ₹50,000: nil. Above ₹50,000 to ₹2.5 lakh: ₹500 + . Above ₹2.5 lakh: 0.25% of the loan amount + , capped at ₹5,000 + . Documentation charge: nil.
The gold-loan links each published rate to 1-year : 12-month bullet is 0.45%above 1-year , is 1.40% above and overdraft is 1.00% above. The current rate table displays 1-year as 8.70%.
₹20,000 for or bullet variants
₹5 lakh for overdraft
36 months for and overdraft
12 months for bullet repayment
Supporting income documents are required for amounts above ₹2.5 lakh.
Individuals singly or jointly, age 18+, with a steady source of income
income documents required above ₹2.5 lakh
₹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
extra
No prepayment penalty and no foreclosure charge. states that the gold loan may be closed at any point without foreclosure charges.
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.
