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Bank of Baroda Gold Loan for Income-Generating and Other Priority Sector

Gold-backed demand loan for income-generating and other priority-sector activity, secured by eligible gold jewellery, ornaments or Bank-sold coins.

Facility amountNo minimum amount is stipulated; maximum ₹75,00,000 per borrower, with the gold-and-silver collateral cap combined.Interest rateBRLLR + Strategic Premium + 1.00% p.a.Eligible borrowerIndividual true owner of pledged gold with a Bank of Baroda savings account opened before lending.
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Quick eligibility check

Bank of Baroda Gold Loan for Income-Generating and Other Priority Sector

0 of 6 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: Individual true owner of pledged gold with a Bank of Baroda savings account opened before lending?

Published source: Eligible borrower

2Are you aged 18 to 75?

3Document checkDo you have at least one of these required documents: Photograph, KYC, repayment-capacity proof and MSME/priority-sector activity evidence such as Udyam, GST returns, licence or turnover proof?

Published source: Required documents

4Document checkDo you have this required document or proof: Photograph, KYC and repayment-capacity proof?

Published source: Required documents

5Document checkDo you have at least one of these required documents: MSME evidence such as Udyam or other proof, GST returns, activity licence or turnover proof, and for other priority-sector activity the corresponding activity/turnover evidence?

Published source: Required documents

6Document checkDo you have at least one of these required documents: MSME or other priority-sector activity proof is required?

Published source: Required documents
0 of 6 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 28 Sept 2026 · active
Offered byBank of Baroda

India through Bank of Baroda's domestic branch network; individual products may have narrower eligibility or channel 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.

PurposeIncome-generating MSME and other priority-sector activity.View source
The purpose row names income-generating and other priority-sector activity.
Source
Gold Loan for Income-Generating and Other Priority Sector — Bank of Baroda
Page / section
Features row 1
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
AvailabilityAll authorised Bank of Baroda Jewel Loan branches across India.View source
The availability row says all authorised Jewel Loan branches Pan India.
Source
Gold Loan for Income-Generating and Other Priority Sector — Bank of Baroda
Page / section
Features row 2
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
FacilityDemand loan only.View source
The facility row lists a demand loan.
Source
Gold Loan for Income-Generating and Other Priority Sector — Bank of Baroda
Page / section
Features row 3
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Eligible borrowerIndividual true owner of pledged gold with a Bank of Baroda savings account opened before lending.View source
The applicant row requires an individual true owner and a pre-existing Bank of Baroda savings account.
Source
Gold Loan for Income-Generating and Other Priority Sector — Bank of Baroda
Page / section
Features row 4
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Age18–75 years.View source
The age row states 18–75 years.
Source
Gold Loan for Income-Generating and Other Priority Sector — Bank of Baroda
Page / section
Features row 5
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Maximum amountNo minimum amount is stipulated; maximum ₹75,00,000 per borrower, with the gold-and-silver collateral cap combined.View source
The amount row gives no minimum and a combined gold-and-silver cap of ₹75 lakh per borrower.
Source
Gold Loan for Income-Generating and Other Priority Sector — Bank of Baroda
Page / section
Features row 6
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Eligible collateralGold jewellery and ornaments of at least 18 carat purity; specially minted Bank-sold gold coins up to 50 grams per borrower.View source
The collateral row specifies 18-carat jewellery/ornaments and Bank-sold coins up to 50 grams.
Source
Gold Loan for Income-Generating and Other Priority Sector — Bank of Baroda
Page / section
Features row 7
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Loan assessmentBelow ₹2,25,000: lower of advance value and requested need. At the higher published tier, the lowest of repayment capacity, Treasury daily advance value and need/request; equality at the printed threshold is not stated.View source
The page gives lower-of and lowest-of assessment rules and leaves threshold equality unstated.
Source
Gold Loan for Income-Generating and Other Priority Sector — Bank of Baroda
Page / section
Features row 8
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
RepaymentBullet repayment.View source
The repayment row states bullet repayment.
Source
Gold Loan for Income-Generating and Other Priority Sector — Bank of Baroda
Page / section
Features row 9
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
TenureUp to 12 months.View source
The tenure row gives a maximum of 12 months.
Source
Gold Loan for Income-Generating and Other Priority Sector — Bank of Baroda
Page / section
Features row 10
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Loan-to-valueUp to ₹25,00,000 exposure: 80%; above ₹25,00,000: 75%.View source
The /OPS page gives 80% up to ₹25 lakh and 75% above ₹25 lakh.
Source
Gold Loan for Income-Generating and Other Priority Sector — Bank of Baroda
Page / section
Features row 11
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Interest rateBRLLR + Strategic Premium + 1.00% p.a.View source
The rate row states plus Strategic Premium plus 1.00% per annum.
Source
Gold Loan for Income-Generating and Other Priority Sector — Bank of Baroda
Page / section
Features row 12
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Processing feeUp to ₹3,00,000: nil. Above ₹3,00,000: 0.25% of the limit, capped at ₹3,500 plus GST.View source
The processing row states nil up to ₹3 lakh and 0.25% above it, capped at ₹3,500 plus .
Source
Gold Loan for Income-Generating and Other Priority Sector — Bank of Baroda
Page / section
Features row 13
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Assayer chargesUp to ₹50,000: nil; above ₹50,000 to ₹3,50,000: ₹450; above ₹3,50,000: ₹600, excluding GST.View source
The row gives nil up to ₹50,000, then ₹450 and ₹600 bands, excluding .
Source
Gold Loan for Income-Generating and Other Priority Sector — Bank of Baroda
Page / section
Features row 14
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNil.View source
The page states nil prepayment/foreclosure charge.
Source
Gold Loan for Income-Generating and Other Priority Sector — Bank of Baroda
Page / section
Features row 15
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Penal charge2% p.a. on overdue amount.View source
The row states 2% per annum on overdue amount.
Source
Gold Loan for Income-Generating and Other Priority Sector — Bank of Baroda
Page / section
Features row 16
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Auction chargesActual charges.View source
The auction-charge row says actual charges.
Source
Gold Loan for Income-Generating and Other Priority Sector — Bank of Baroda
Page / section
Features row 17
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Safe-keeping charge₹1,000 plus GST per month after closure, full repayment or settlement if the packet remains with the Bank.View source
The row gives ₹1,000 plus per month in the stated post-closure circumstance.
Source
Gold Loan for Income-Generating and Other Priority Sector — Bank of Baroda
Page / section
Features row 18
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
RenewalMaximum two renewals.View source
The row permits up to two renewals.
Source
Gold Loan for Income-Generating and Other Priority Sector — Bank of Baroda
Page / section
Features row 19
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Required documentsPhotograph, KYC and repayment-capacity proof; MSME evidence such as Udyam or other proof, GST returns, activity licence or turnover proof, and for other priority-sector activity the corresponding activity/turnover evidence.View source
The final row lists photo/, repayment-capacity proof and or other priority-sector activity/turnover evidence.
Source
Gold Loan for Income-Generating and Other Priority Sector — Bank of Baroda
Page / section
Features row 20
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Facility amountNo minimum amount is stipulated; maximum ₹75,00,000 per borrower, with the gold-and-silver collateral cap combined.View source
The amount row gives no minimum and a combined gold-and-silver cap of ₹75 lakh per borrower.
Source
Gold Loan for Income-Generating and Other Priority Sector — Bank of Baroda
Page / section
Features row 6
Accessed
28 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Demand-loan facility for income-generating and other priority-sector activity.
  • Prepayment is nil.
  • Up to two renewals are permitted.

Eligibility

  • Individual true owner of pledged gold with a Bank of Baroda savings account opened before lending.
  • or other priority-sector activity proof is required; age 18–75 years.

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

Documents the bank lists

  • Photograph, , repayment-capacity proof and /priority-sector activity evidence such as Udyam, returns, licence or turnover proof.

Related official documents

Bank of Baroda Download Forms — Popular, Personal and Business indexesofficial-forms-catalogue-page · Indexes reviewed; no gold-specific form located. · accessed 28 Sept 2026
↗
Gold collateral loan product artwork routesofficial-product-image · not_found_after_review — no exact product artwork available in reviewed routes · accessed 28 Sept 2026
↗
MSME Credit Facility Application Form — linked official endpointofficial-pdf · inaccessible — retry only after an access-change trigger or scheduled retry date · accessed 28 Sept 2026
↗
Gold Loan for Income Generating MSME and Other Priority Sector — current official product pageofficial-product-page · Current page fully reviewed; linked MSME application endpoint is inaccessible and remains open. · accessed 28 Sept 2026
↗
Lending Against Gold Collateral — current official catalogueofficial-product-catalogue-page · Reviewed; child pages are separate product identities. · accessed 28 Sept 2026
↗

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₹21,696twenty-one thousand six hundred ninety-six rupees
Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees
Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine 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.

Purpose · Published detailIncome-generating and other priority-sector activity.

This value is copied from Gold Loan for Income-Generating and Other Priority Sector — complete published Features table. Check the table notes before relying on it.

Source: Gold Loan for Income-Generating and Other Priority Sector — Bank of Baroda · Complete Features table, rows 1–20 Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 20 rows · 2 columnsGold Loan for Income-Generating MSME and Other Priority Sector — complete published Features tableAll 20 rows from the current official product page.View tableHide table

Scroll sideways to view every column

Gold Loan for Income-Generating MSME and Other Priority Sector — complete published Features table
FeaturePublished detail
PurposeIncome-generating and other priority-sector activity.
AvailabilityAll authorised Jewel Loan branches Pan India.
FacilityDemand loan.
ApplicantIndividual true owner of pledged gold with a Bank of Baroda savings account opened before lending.
Age18–75 years.
AmountNo minimum stipulated; maximum ₹75,00,000 per borrower, combined gold-and-silver cap.
CollateralAt least 18-carat jewellery/ornaments; Bank-sold coins up to 50 grams per borrower.
AssessmentBelow ₹2,25,000 lower of advance value and requested need; higher printed tier uses the lowest of repayment capacity, Treasury daily advance value and need/request.
RepaymentBullet.
TenureUp to 12 months.
Up to ₹25,00,000: 80%; above ₹25,00,000: 75%.
Rate + Strategic Premium + 1.00% p.a.
ProcessingNil up to ₹3,00,000; above: 0.25% of limit, capped at ₹3,500 plus .
AssayUp to ₹50,000 nil; above ₹50,000 to ₹3,50,000 ₹450; above ₹3,50,000 ₹600, excluding .
PrepaymentNil.
Penal charge2% p.a. on overdue amount.
AuctionActual charges.
Safe keeping₹1,000 plus per month after closure/full repayment/settlement if packet remains with Bank.
RenewalMaximum two renewals.
DocumentsPhotograph, , repayment-capacity proof and /priority-sector activity evidence.
  • The linked application was inaccessible; no facts were inferred from it. Generic e₹ material is excluded as unrelated.
Gold Loan for Income-Generating and Other Priority Sector — Bank of Baroda · Complete Features table, rows 1–20 · accessed 28 Sept 2026Open official source ↗

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