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Bandhan Bank Non-Agri Gold Loan

Gold-secured borrowing with bullet repayment of ₹10,000–₹25,00,000 over 6 or 11 months, or regular repayment of ₹10,000–₹80,00,000 over 6–36 months. The regular option allows upfront interest, monthly interest or repayment.

Starting interest rateStarts at 9.50% p.a., effective 1 September 2026; this is a starting rate, not a maximum or an individual quotation.Loan amount by repayment option₹10,000–₹25,00,000 for bullet repayment; ₹10,000–₹80,00,000 for regular repayment.Tenure by repayment optionBullet repayment: 6 or 11 months. Regular repayment: 6–36 months.
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Quick eligibility check

Bandhan Bank Non-Agri Gold Loan

0 of 9 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: Bullet repayment: 21–70 years at application?

Published source: Age eligibility

2Do you meet this requirement: Regular repayment: 18–72 years at application?

Published source: Age eligibility

3Are you aged 21 to 70?

4Are you aged 18 to 72?

5Do you meet this product condition: Gold is appraised and held as security?

6Document checkDo you have this required document or proof: Identity proof?

Published source: Documents listed on the product page

7Document checkDo you have this required document or proof: Address proof?

Published source: Documents listed on the product page

8Document checkDo you have this required document or proof: Age proof?

Published source: Documents listed on the product page

9Document checkDo you have this required document or proof: Two recent passport-size photographs?

Published source: Documents listed on the product page
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Sept 2026 · active
Offered byBandhan Bank

See the official bank source for geographic availability.

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Repayment optionsBullet or regular repayment. Regular repayment may use upfront interest, monthly interest or EMI; bullet repayment is due at maturity or foreclosure.View source
The page separates bullet and regular repayment and lists upfront interest, monthly interest and for the regular option. Bullet repayment requires no upfront or monthly payment and is payable at tenure end or foreclosure.
Source
Bandhan Bank Non-Agri Gold Loan
Page / section
Bullet repayment option; Regular repayment option
Accessed
30 Sept 2026
Confidence
high
Open official source ↗
Starting interest rateStarts at 9.50% p.a., effective 1 September 2026; this is a starting rate, not a maximum or an individual quotation.Effective 1 Sept 2026View source
The bank states rates starting from 9.50% p.a. and gives the effective date as 1 September 2026.
Source
Bandhan Bank Non-Agri Gold Loan
Page / section
Rates effective from September 01, 2026
Accessed
30 Sept 2026
Confidence
high
Open official source ↗
Loan amount by repayment option₹10,000–₹25,00,000 for bullet repayment; ₹10,000–₹80,00,000 for regular repayment.View source
The page states ₹10,000 to ₹25,00,000 for bullet repayment and ₹10,000 to ₹80,00,000 for regular repayment.
Source
Bandhan Bank Non-Agri Gold Loan
Page / section
Bullet repayment option; Regular repayment option
Accessed
30 Sept 2026
Confidence
high
Open official source ↗
Tenure by repayment optionBullet repayment: 6 or 11 months. Regular repayment: 6–36 months.View source
The page gives 6 and 11 months for bullet repayment and a 6-to-36-month range for regular repayment.
Source
Bandhan Bank Non-Agri Gold Loan
Page / section
Bullet repayment option; Regular repayment option
Accessed
30 Sept 2026
Confidence
high
Open official source ↗
Processing feeUp to 1% of the disbursement amount. The older 2023 Gold Loan Kit states 1% and says GST applies if applicable; the later schedule linked from the current Rates & Charges page does not specify tax on this row.View source
The schedule linked from the current Rates & Charges page states up to 1% of disbursement. The 2023 kit states 1% and refers to if applicable under the bank's schedule.
Source
Bandhan Bank Gold Loan — Schedule of Charges (9 September 2025)
Page / section
page 1, Loan Processing Charges; compared with 2023 Gold Loan Kit fee terms
Accessed
30 Sept 2026
Confidence
high
Open official source ↗
Foreclosure charge — source conflictThe 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 KFS could not be retrieved.View source
The current Rates & Charges page links the 2025 schedule, whose foreclosure row says 3% on outstanding principal. The earlier 2023 kit says foreclosure charges on fixed rate are nil. The current is inaccessible, so applicability to the current sanctioned loan remains unresolved.
Source
Bandhan Bank Gold Loan — linked schedule and earlier Gold Loan Kit
Page / section
2025 schedule page 1, Foreclosure Charges; 2023 kit, Gold Loan Schedule of Charges, foreclosure on fixed rate
Accessed
30 Sept 2026
Confidence
high
Open official source ↗
Age eligibilityBullet repayment: 21–70 years at application. Regular repayment: 18–72 years at application.View source
The page gives separate minimum and maximum ages for bullet and regular repayment options.
Source
Bandhan Bank Non-Agri Gold Loan
Page / section
Eligibility — age at the time of loan application
Accessed
30 Sept 2026
Confidence
high
Open official source ↗
Documents listed on the product pageIdentity proof; address proof; age proof; two recent passport-size photographs.View source
The product page lists identity, address and age proof and two recent passport-size photographs. The separate application form could not be retrieved, so no additional checklist is inferred.
Source
Bandhan Bank Non-Agri Gold Loan
Page / section
Documents required
Accessed
30 Sept 2026
Confidence
high
Open official source ↗
Gold security and appraisalGold jewellery/ornaments are pledged as security. Valuation uses net eligible gold weight and assessed purity; stones, gems and other non-gold components are excluded from the weight.View source
The bank says only the intrinsic gold value by net weight is considered after excluding non-gold parts, and purity is assessed by a valuer using standard assaying techniques.
Source
Bandhan Bank Gold Collateral Valuation Methodology
Page / section
Determination of Net Weight; Purity Assessment
Accessed
30 Sept 2026
Confidence
high
Open official source ↗
Historical disbursed ratesBandhan Gold Loan cases disbursed Apr–Jun 2026: 9.50%–15.97% p.a.; mean 14.33%. This is a historical portfolio range, not a rate promise for this repayment option.View source
The one-row table reports the minimum, maximum and mean rates for all Gold Loan cases disbursed in April–June 2026; it does not separate Agri, Non-Agri or repayment variants.
Source
Bandhan Bank Gold Loan mean interest rates, April–June 2026
Page / section
page 1, Gold Loan row
Accessed
30 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Bullet and regular repayment options
  • Bullet repayment does not require an upfront or monthly payment; the loan is due at maturity or foreclosure
  • Regular repayment can use upfront interest, monthly interest or

Eligibility

  • Bullet option: age 21–70 at application; regular option: age 18–72
  • The product page requests identity, address and age proof plus two recent passport-size photographs
  • Gold is appraised and held as security; the current valuation page describes net-weight and purity assessment

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Identity proof
  • Address proof
  • Age proof
  • Two recent passport-size photographs
  • Gold jewellery/ornaments for appraisal and pledge

Related official documents

Bandhan Bank Agri Gold Loan — current product pageofficial-product-page · all-product-terms-reviewed · accessed 30 Sept 2026
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Bandhan Bank Forms & Documents index — Gold Loan Kit and Gold Loan KFS linksofficial-documents-index · gold-loan-application-and-kfs-links-reviewed · accessed 30 Sept 2026
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Bandhan Bank Gold Loan Application Form (January 2025 file route)official-loan-application-form-pdf · inaccessible-fetch-timeout · accessed 30 Sept 2026
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Bandhan Bank Gold Loan catalogue snapshotofficial-product-catalogue · catalogue-only-details-unreviewed · accessed 30 Sept 2026
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Bandhan Bank Gold Loan — Schedule of Charges (9 September 2025), linked from current Rates & Charges pageofficial-gold-loan-schedule-of-charges-pdf · one-page-complete-text-review-visual-fetch-blocked · accessed 30 Sept 2026
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Bandhan Bank Gold Loan Closure / release of jewellery to legal heirsofficial-gold-loan-servicing-page · all-relevant-bullets-and-workflow-reviewed · accessed 30 Sept 2026
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Bandhan Bank Gold Loan Key Fact Statement, dated 25 September 2026official-key-fact-statement-pdf · inaccessible-cache-miss · accessed 30 Sept 2026
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Bandhan Bank Gold Loan Kit / MITC (February 2023 PDF, historical terms)historical-official-loan-application-and-terms-pdf · historical-charge-panel-only-reviewed · accessed 30 Sept 2026
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Bandhan Bank Gold Loan mean interest rates for cases disbursed April–June 2026official-quarterly-disbursed-rate-pdf · one-page-text-reviewed-visual-fetch-blocked · accessed 30 Sept 2026
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Bandhan Bank Important Terms and Conditions — Gold Loan (March 2022 PDF, historical)historical-official-gold-loan-terms-pdf · one-page-historical-terms-text-reviewed · accessed 30 Sept 2026
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Bandhan Bank Rates & Charges — Gold Loan section and current linked scheduleofficial-rates-and-charges-index · gold-loan-link-and-relevant-section-reviewed · accessed 30 Sept 2026
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Bandhan Bank Gold Collateral Valuation Methodologyofficial-collateral-valuation-page · all-valuation-table-rows-reviewed · accessed 30 Sept 2026
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Bandhan Bank Non-Agri Gold Loan brochure (January 2025 file route)official-product-brochure-pdf · inaccessible-fetch-timeout · accessed 30 Sept 2026
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Bandhan Bank Non-Agri Gold Loan — current product pageofficial-product-page · all-product-terms-reviewed · accessed 30 Sept 2026
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Plan before applying

Try the numbers

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Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

One monthly payment₹23,303twenty-three thousand three hundred three rupees
Interest paid over the full loan₹30,92,787thirty lakh ninety-two thousand seven hundred eighty-seven rupees
Everything you repay₹55,92,787fifty-five lakh ninety-two thousand seven hundred eighty-seven rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Gold Loan cases disbursed April–June 2026 · Minimum rate9.50% p.a.

This value is copied from Bandhan Gold Loan cases — disbursed interest rates, April–June 2026. Check the table notes before relying on it.

Source: Bandhan Bank Gold Loan mean interest rates for cases disbursed April–June 2026 · page 1, complete Gold Loan row Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 1 row · 4 columnsBandhan Gold Loan cases — disbursed interest rates, April–June 2026The bank's one-row quarterly disclosure aggregates Gold Loan cases and does not separate Agri/Non-Agri or repayment options. It describes past disbursements, not a future rate quote.View tableHide table

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Bandhan Gold Loan cases — disbursed interest rates, April–June 2026
Loan family / disbursement periodMinimum rateMaximum rateMean rate
Gold Loan cases disbursed April–June 20269.50% p.a.15.97% p.a.14.33% p.a.
  • Rates are historical portfolio data; they are not a personalized offer, product-variant schedule or guarantee of the rate available now.
Bandhan Bank Gold Loan mean interest rates for cases disbursed April–June 2026 · page 1, complete Gold Loan row · accessed 30 Sept 2026Open official source ↗
Table 2 · 13 rows · 3 columnsBandhan Bank Gold Loan — complete charge schedule linked from current Rates & Charges page (9 September 2025)All rows from the one-page schedule. It is the latest schedule linked by the current bank index, although the file is dated September 2025. Confirm the applied amount and applicability in the current KFS/sanction documents; the current KFS link was inaccessible.View tableHide table

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Bandhan Bank Gold Loan — complete charge schedule linked from current Rates & Charges page (9 September 2025)
ChargePublished amount / conditionApplicability or note
Loan processingUp to 1% of disbursement amountSchedule does not state a tax amount on this row
Cheque bouncing / failed standing instruction₹250 + at 18%Per event; charge row wording
Late payment / overdueAs printed in schedule
Part paymentAs printed in schedule
Repayment swappingAs printed in schedule
Foreclosure statementAs printed in schedule
Document retrievalAs printed in schedule
Duplicate amortisation scheduleAs printed in schedule
Statement of accountNilAs printed in schedule
Duplicate no-objection certificateNilAs printed in schedule
Legal and auction chargesActual incurred publication/legal costs, applicable per headIf any; costs incurred
Foreclosure3% of outstanding principal spells principal as 'Principle'; normalized spelling only
Commitment / non-utilisation fee for in Gold Loan0.25% of unutilised credit-only row; not assigned to Agri or Non-Agri variants because their current detail pages do not list an repayment variant
  • The bank's current Rates & Charges page links this schedule. The file itself is dated 9 September 2025. The separate historical 2023 kit says nil foreclosure on fixed-rate loans, creating an unresolved conflict; the current product pages do not state the rate type.
Bandhan Bank Gold Loan — Schedule of Charges (9 September 2025) · page 1, every charge row · accessed 30 Sept 2026Open official source ↗
Table 3 · 11 rows · 2 columnsEarlier Bandhan Gold Loan charge panel in the 2023 kit — historical, not currentThe old kit's fee panel is retained only to document source differences; the later 2025 schedule currently linked by the bank is the later located charge source.View tableHide table

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Earlier Bandhan Gold Loan charge panel in the 2023 kit — historical, not current
Charge2023 kit amount / condition
Loan processing1% of disbursement amount
Cheque bouncing / failed standing instructionNil
Late payment / overdue
Part paymentNil
Repayment swappingNil
Foreclosure statementNil
Foreclosure charges on fixed-rate loanNil
Document retrieval
Duplicate amortisation schedule
Statement of accountNil
Duplicate no-objection certificateNil
  • Historical 2023 kit. Do not read these rows as current fees. Its fixed-rate foreclosure row conflicts with the later linked schedule's 3% of outstanding principal.
Bandhan Bank Gold Loan Kit / (February 2023 ) · Gold Loan Schedule of Charges panel, printed page 10 · accessed 30 Sept 2026Open official source ↗
Table 4 · 3 rows · 2 columnsBandhan Bank gold collateral valuation — complete published methodThe bank's current method for weighing and assaying pledged jewellery and setting its reference gold price. The page does not publish a numeric loan-to-value percentage.View tableHide table

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Bandhan Bank gold collateral valuation — complete published method
StepPublished method
Net weightIn the borrower's presence, weigh the jewellery/ornament; exclude stones, gems, beads, lac, enamel, solder and other non-gold components. Only intrinsic gold value by eligible net weight is counted.
Purity assessmentA valuer uses standard assaying methods, including stone-and-acid or pointed-scratching tests, then records the equivalent purity in karats.
Price usedUse the lower of (1) the average closing price over the preceding 30 days for gold of that purity or (2) the previous day's closing price for that purity, published by IBJA or a commodity exchange regulated by .
Bandhan Bank Gold Collateral Valuation Methodology · All three table rows and the lower-of price rule · accessed 30 Sept 2026Open official source ↗
Table 5 · 4 rows · 2 columnsGold Loan closure and jewellery release when the borrower has died — published workflowServicing information specific to repayment and release to legal heirs; it is not a general applicant eligibility checklist.View tableHide table

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Gold Loan closure and jewellery release when the borrower has died — published workflow
StagePublished action
1Legal heir contacts the Gold Loan Officer at the branch where the loan was disbursed.
2Submit the request and documents required by the existing process.
3Credit the deceased borrower's foreclosure amount to the loan account.
4Pay directly by cash, cheque, , or to the loan account.
  • The bank may ask the legal heir to pay dues within 15 days of receiving the death certificate/intimation. It also says required documents should be provided within 7 days of death intimation. Necessary branch-level due diligence and approval by the Assistant Branch Head/Branch Head and Regional Manager apply; the bank checks the nominee/legal-heir details before releasing jewellery.
Bandhan Bank Gold Loan Closure / release of jewellery to legal heirs · Loan Repayment stages in case of a deceased customer, Steps 1–4; surrounding conditions · accessed 30 Sept 2026Open official source ↗
Table 6 · 9 rows · 2 columnsDocuments for Gold Loan closure/release to legal heirs after a borrower's deathDocument list for deceased-customer servicing only; these are not standard documents for a new loan application.View tableHide table

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Documents for Gold Loan closure/release to legal heirs after a borrower's death
DocumentPublished condition
Closure request letterLegal heir submits a letter requesting loan closure.
Affidavit-cum-indemnity bondExecuted by legal heirs on stamp paper under the applicable stamp duty act.
Legal-heir certificateCertificate from an authorized government officer is mandatory in all cases.
Affidavit-cum-no-objection certificateRequired from legal heirs.
Relationship proof with borrowerNotarized.
Death certificateAttested and notarized.
Legal heirs' identity and address proofNotarized.
Borrower's identity and address proofNotarized.
documents for all legal heirsCollected for every legal heir.
Bandhan Bank Gold Loan Closure / release of jewellery to legal heirs · Closure request documents, list items 1–9 · accessed 30 Sept 2026Open official source ↗

More from Bandhan Bank

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Bandhan Bank Agri Gold Loan

A short-tenure gold-secured loan for agriculture and allied activities, from ₹50,001 to ₹25,00,000 for 6 or 11 months. No monthly interest payment is required; dues are payable at closure or maturity.

View product