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Federal Bank Gold Loan

Borrow ₹3,000–₹1.5 crore against eligible 22-carat gold ornaments or coins, for personal, business or agricultural purposes, with lumpsum or repayment options.

Maximum loan amountUp to ₹1,50,00,000 (₹1.5 crore)Gold-loan family tenureThe eligibility FAQ gives 3–12 months depending on the scheme and says to contact a branch for scheme-specific details; an individual General Gold Loan term is not separately stated.General Gold Loan processing fee0.39% of the sanctioned limit, minimum ₹500, collected upfront on disbursal; GST is additional.
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Quick eligibility check

Federal Bank 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.

1Does your age meet this requirement: Individuals aged 18 or above who possess gold ornaments or jewellery of the purity required by the bank?

Published source: Eligibility

2Can you provide this required proof: NRI and Kisan Gold schemes have additional documents?

Published source: Required documents

3Does your age meet this requirement: Individuals aged 18 years or above who possess eligible gold ornaments or jewellery may apply?

4Do you meet this product condition: Gold must meet the bank's purity and collateral rules?

5Do you meet this requirement: scheme-specific limits and pricing can differ?

6Document checkDo you have at least one of these required documents: Identity proof: Passport, Voter ID, Driving Licence, PAN card or Aadhaar card?

Published source: Required documents

7Document checkDo you have at least one of these required documents: Address proof: Passport, Voter ID, Driving Licence or Aadhaar card?

Published source: Required documents

8Document checkDo you have this required document or proof: Two passport-size photographs each for applicant and co-obligant, where applicable?

Published source: Required documents

9Document checkDo you have at least one of these required documents: Gold ornaments or eligible bank gold coins for appraisal and pledge?

Published source: Required documents
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Sept 2026 · active
Offered byFederal Bank

India; digital business-correspondent availability is limited to the cities listed on the official page.

Key facts

What the official sources publish

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

Security-operation fee₹550 for each security operation, excluding GST; applies to all permitted Gold Loan Schemes.View source
The single table row says all permitted Gold Loan Schemes: Rs 550 applicable for each security operation; the column excludes and the page-2 note says is additional.
Source
Federal Bank Gold Loan Charges schedule (official ; file dated 01 April 2026)
Page / section
page 2, Security Operation fee table
Accessed
30 Sept 2026
Confidence
high
Open official source ↗
Overdue notice charge₹250 per notice, excluding GST.View source
The table lists Gold Loans at Rs 250 excluding ; the page note states applies in addition.
Source
Federal Bank Gold Loan Charges schedule (official ; file dated 01 April 2026)
Page / section
page 2, Overdue Notice Charges table
Accessed
30 Sept 2026
Confidence
high
Open official source ↗
Delayed-repayment penal chargePenal charges up to 8%, effective 1 June 2025; GST is additional. The schedule does not say this is a flat 8% for every borrower or default.View source
The row says All Gold Loans and Penal Charges – Up to 8%; the heading says effective 01/06/2025 and excludes .
Source
Federal Bank Gold Loan Charges schedule (official ; file dated 01 April 2026)
Page / section
page 2, Penalty for delayed repayment for Gold loans (w.e.f. 01/06/2025)
Accessed
30 Sept 2026
Confidence
high
Open official source ↗
Gold-loan division pricing disclosure — Q1 FY 2026-27Federal Bank's Gold Loan Business Division reported an interest range of 8.50%–22.90% p.a., mean interest of 10.87%, and APR range of 9.68%–26.03% for Q1 FY 2026-27; disclosure dated 4 August 2026. These are division-level portfolio figures, not a scheme-specific quote.View source
The one-page disclosure headed CREDIT PRICING DETAILS OF GOLD LOANS lists Range of Interest 8.50% p.a.–22.90% p.a.; Mean of Interest 10.87%; and 9.68%–26.03%. It names the Gold Loan Business Division and does not split the figures by scheme.
Source
Federal Bank Credit Pricing Details of Gold Loans — 2026-27, dated 04 August 2026
Page / section
page 1, complete credit-pricing disclosure
Accessed
30 Sept 2026
Confidence
high
Open official source ↗
Loan typeGold-secured loan with lumpsum or EMI repayment options listed on the product page; scheme-specific repayment terms differ.View source
The official page describes loans against pledged gold and lists lumpsum and options; it also says tenure depends on the scheme.
Source
Federal Bank Gold Loans — product, collateral, valuation and page
Page / section
Features and Benefits; Frequently Asked Questions — Gold Loans
Accessed
30 Sept 2026
Confidence
high
Open official source ↗
Permitted loan purposesPersonal, business, agricultural and other non-speculative purposes.View source
The says the amount may be used for personal, business, agriculture and other non-speculative purposes.
Source
Federal Bank Gold Loans — product, collateral, valuation and page
Page / section
Frequently Asked Questions 1, What is a Gold Loan?
Accessed
30 Sept 2026
Confidence
high
Open official source ↗
Minimum loan amount₹3,000View source
The page states a minimum loan amount of Rs 3,000.
Source
Federal Bank Gold Loans — product, collateral, valuation and page
Page / section
Features and Benefits, minimum and maximum loan amount
Accessed
30 Sept 2026
Confidence
high
Open official source ↗
Maximum loan amountUp to ₹1,50,00,000 (₹1.5 crore)View source
The page states maximum loan amount Rs 150 Lacs and repeats maximum Rs 150 Lakhs in the .
Source
Federal Bank Gold Loans — product, collateral, valuation and page
Page / section
Features and Benefits; maximum sanctioned amount
Accessed
30 Sept 2026
Confidence
high
Open official source ↗
Maximum gold value financed — source discrepancyThe per-gram page says up to 75% of gold market value for consumption loans and up to 85% for income-generating loans. A separate eligibility FAQ says gold-loan LTV is up to 75% without stating this purpose split; applicability of the 85% figure to an individual facility needs confirmation.View source
The per-gram table publishes 75% for consumption loans and 85% for income-generating loans. The eligibility separately states up to 75%. Both values are retained; no single ratio is inferred.
Source
Federal Bank Gold Loan Rate Per Gram — consumption and income-generating table
Page / section
Scheme / Maximum rate per gram table; compared with Gold Loans Eligibility 4
Accessed
30 Sept 2026
Confidence
high
Open official source ↗
General Gold Loan processing fee0.39% of the sanctioned limit, minimum ₹500, collected upfront on disbursal; GST is additional.View source
The General Gold Loan row states 0.39% of sanctioned limit subject to minimum Rs 500, collected upfront on disbursal; the schedule excludes and page 2 says is additional.
Source
Federal Bank Gold Loan Charges schedule (official ; file dated 01 April 2026)
Page / section
page 1, General Gold Loan row
Accessed
30 Sept 2026
Confidence
high
Open official source ↗
Gold-loan family tenureThe eligibility FAQ gives 3–12 months depending on the scheme and says to contact a branch for scheme-specific details; an individual General Gold Loan term is not separately stated.View source
The page states a 3-to-12-month range depending on scheme and directs customers to a branch for scheme-specific details.
Source
Federal Bank Gold Loans — eligibility page and scheme mapping
Page / section
Frequently Asked Questions 3, tenure
Accessed
30 Sept 2026
Confidence
high
Open official source ↗
EligibilityIndividuals aged 18 or above who possess gold ornaments or jewellery of the purity required by the bank; PAN is generally required for regulatory compliance and higher loan amounts.View source
The bank says any individual aged 18 or above with gold of required purity may apply; it says is generally required for regulatory compliance and higher loan amounts.
Source
Federal Bank Gold Loans — eligibility page and scheme mapping
Page / section
Eligibility 1 and 2; General Gold Loan row
Accessed
30 Sept 2026
Confidence
high
Open official source ↗
Required documentsDedicated checklist: two passport-size photographs each of applicant and co-obligant; identity proof (Passport, Voter ID, Driving Licence, PAN or Aadhaar); address proof (Passport, Voter ID, Driving Licence or Aadhaar). NRI and Kisan Gold schemes have additional documents.View source
The dedicated checklist specifies two passport-size photos each of applicant/co-obligant, identity and address proof choices, additional certified documents, and separate evidence for Kisan Gold. The main Gold Loans page gives a shorter new-customer checklist; the dedicated checklist is more detailed.
Source
Federal Bank Gold Loans — detailed document checklist
Page / section
Documents; For Kisan Gold
Accessed
30 Sept 2026
Confidence
high
Open official source ↗
Eligible gold collateral and exclusionsPledge eligible 22-carat gold ornaments/jewellery; gold coins are accepted up to 50 g per borrower. The bank excludes concealed non-gold items, gold below 18 carats, rose or white gold, vessels, watches, idols, bullion and primary gold.View source
The page allows jewellery and gold coins up to 50 grams per borrower, disallows the listed items/purities, requires consent for assaying and says the customer may decline an item the bank proposes to cut.
Source
Federal Bank Gold Loans — product, collateral, valuation and page
Page / section
Net Weight Assessment for Valuation of Gold Collaterals
Accessed
30 Sept 2026
Confidence
high
Open official source ↗
Gold valuationThe bank uses the lower of the preceding 30-day average closing price for 22-carat gold published by IBJA and the previous day's 22-carat closing price. Non-gold weight is deducted; assay determines karatage and purity.View source
The page describes assay, net-weight deduction, and the lower-of-two IBJA 22K price rule.
Source
Federal Bank Gold Loans — product, collateral, valuation and page
Page / section
Net Weight Assessment; Gold Price used for Valuing Gold Collaterals
Accessed
30 Sept 2026
Confidence
high
Open official source ↗
Repayment, part-payment and foreclosureThe page lists lumpsum and EMI options. Foreclosure, prepayment and part-payment are allowed; pledged gold is released only after the full outstanding amount is repaid. The exact repayment mechanics vary by scheme.View source
The bank says customers can foreclose, prepay and make part-payments; it releases pledged ornaments only after the entire outstanding is repaid.
Source
Federal Bank Gold Loans — product, collateral, valuation and page
Page / section
Features and Benefits; 5–7
Accessed
30 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Gold-backed borrowing for personal, business and agricultural purposes
  • Lumpsum or repayment options are listed on the product page
  • Part-payment and foreclosure are allowed; pledged gold is released only after all outstanding dues are repaid

Eligibility

  • Individuals aged 18 years or above who possess eligible gold ornaments or jewellery may apply.
  • Gold must meet the bank's purity and collateral rules; scheme-specific limits and pricing can differ.
  • The bank says is generally required for regulatory compliance and higher loan amounts.

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

Documents the bank lists

  • Identity proof: Passport, Voter , Driving Licence, card or Aadhaar card
  • Address proof: Passport, Voter , Driving Licence or Aadhaar card
  • Two passport-size photographs each for applicant and co-obligant, where applicable
  • Gold ornaments or eligible bank gold coins for appraisal and pledge

Related official documents

Federal Bank Credit Pricing Details of Gold Loans — Q1 FY 2026-27, dated 04 August 2026official-credit-pricing-pdf · full-page-text-reviewed-source-file-and-visual-check-pending · accessed 30 Sept 2026
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Federal Bank Gold Loan Charges schedule (official PDF; file dated 01 April 2026)official-gold-loan-charges-pdf · current-charge-schedule-reviewed · accessed 30 Sept 2026
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Federal Bank Gold Loans — detailed document checklistofficial-document-checklist-page · complete-page-reviewed · accessed 30 Sept 2026
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Federal Bank Gold Loans — eligibility page and scheme mappingofficial-eligibility-page · complete-page-reviewed · accessed 30 Sept 2026
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Federal Bank Gold Loan Interest Rate and EMI Calculator pageofficial-rate-calculator-page · complete-page-reviewed-no-scheme-rate-table · accessed 30 Sept 2026
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Federal Bank Gold Loans — product, collateral, valuation and FAQ pageofficial-product-page · current-relevant-product-sections-reviewed · accessed 30 Sept 2026
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Federal Bank Gold Loan Rate Per Gram — consumption and income-generating LTV tableofficial-rate-and-valuation-page · complete-page-reviewed · accessed 30 Sept 2026
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Federal Bank Interest Rates on Loans and Advances pageofficial-loan-rate-page · complete-page-reviewed-gold-scheme-rate-not-listed · accessed 30 Sept 2026
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Federal Bank Rates and Charges indexofficial-rates-and-charges-index · complete-page-reviewed-gold-pdf-identified · accessed 30 Sept 2026
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Federal Bank detailed Retail Loans Interest Rates pageofficial-retail-loan-rates-page · complete-page-reviewed-no-gold-loan-row · accessed 30 Sept 2026
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Federal Special Gold Loan route — identity/duplicate checkofficial-product-route-review · route-reviewed-same-gold-loan-content · accessed 30 Sept 2026
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Plan before applying

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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.

Digi Gold / Digi Gold · Published processing fee and collection timing0.39% of limit, minimum ₹500, collected on the next day of opening; then 0.25% of sanctioned limit, minimum ₹500, on every yearly anniversary.

This value is copied from Federal Bank gold-loan processing fees by scheme. Check the table notes before relying on it.

Source: Federal Bank Gold Loan Charges schedule (official ; file dated 01 April 2026) · page 1, complete Products / Applicable Processing Fees table Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 8 rows · 2 columnsFederal Bank gold-loan processing fees by schemeComplete page-1 fee matrix from the Gold Loan Charges PDF. Apply only the row that matches the sanctioned scheme; figures exclude GST, which is added separately.View tableHide table

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Federal Bank gold-loan processing fees by scheme
Product / scheme named by the bankPublished processing fee and collection timing
Digi Gold / Digi Gold 0.39% of limit, minimum ₹500, collected on the next day of opening; then 0.25% of sanctioned limit, minimum ₹500, on every yearly anniversary.
Gold LoanLoan up to ₹5,00,000: ₹750. Above ₹5,00,000: 0.10% of limit, minimum ₹750.
General Gold Loan0.39% of sanctioned limit, minimum ₹500, collected upfront on disbursal.
GGL Interest Servicing Scheme — monthly / quarterly / half-yearly0.39% of sanctioned limit, minimum ₹500, collected upfront on disbursal; then 0.25% of sanctioned limit, minimum ₹500, on every yearly anniversary.
GGL Ultra0.39% of sanctioned limit, minimum ₹500, collected upfront on disbursal.
Kisan Gold / KGL — Distressed Farmers / KGL POWERUp to ₹50,000: nil upfront. Above ₹50,000: 0.39% of sanctioned limit, minimum ₹500, upfront on disbursal.
KGL / KGL Distressed Interest Servicing Scheme — monthly / quarterly / half-yearly / yearlyUp to ₹50,000: nil upfront and nil yearly-anniversary fee. Above ₹50,000: 0.39% of sanctioned limit, minimum ₹500, upfront; then 0.25% of sanctioned limit, minimum ₹500, on every yearly anniversary.
ISS GoldSanctioned limit ₹1,00,000–₹1,60,000: 1.5% of sanctioned limit. Above ₹1,60,000 and up to ₹3,00,000: 1% of sanctioned limit.
  • All fee amounts in this schedule exclude ; the says is additional.
  • This matrix also names other schemes whose product pages and applicability are not fully reviewed in this packet. Their rows are retained as source data, not treated as evidence that those variants have completed research.
Federal Bank Gold Loan Charges schedule (official ; file dated 01 April 2026) · page 1, complete Products / Applicable Processing Fees table · accessed 30 Sept 2026Open official source ↗
Table 2 · 1 row · 2 columnsFederal Bank Gold Loan security-operation feeComplete one-row table for the common security-operation fee.View tableHide table

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Federal Bank Gold Loan security-operation fee
Loan typeCharge amount, excluding
All permitted Gold Loan Schemes₹550 for each security operation
  • is additional.
Federal Bank Gold Loan Charges schedule (official ; file dated 01 April 2026) · page 2, Security Operation fee table · accessed 30 Sept 2026Open official source ↗
Table 3 · 1 row · 2 columnsFederal Bank Gold Loan overdue-notice chargeComplete one-row Gold Loans overdue-notice table.View tableHide table

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Federal Bank Gold Loan overdue-notice charge
Loan typeCharge amount, excluding
Gold Loans₹250 per overdue notice
  • is additional.
Federal Bank Gold Loan Charges schedule (official ; file dated 01 April 2026) · page 2, Overdue Notice Charges table · accessed 30 Sept 2026Open official source ↗
Table 4 · 1 row · 2 columnsFederal Bank Gold Loan delayed-repayment penal chargeComplete one-row penal-charge schedule; the published amount is an upper bound, not a flat 8% charge.View tableHide table

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Federal Bank Gold Loan delayed-repayment penal charge
Loan type / effective datePublished penal charge, excluding
All Gold Loans; effective 1 June 2025Penal charges up to 8%
  • The source says up to 8%; it does not state that every borrower or default is charged a flat 8%. is additional.
Federal Bank Gold Loan Charges schedule (official ; file dated 01 April 2026) · page 2, Penalty for delayed repayment for Gold loans (w.e.f. 01/06/2025) · accessed 30 Sept 2026Open official source ↗
Table 5 · 4 rows · 3 columnsFederal Bank Gold Loan Business Division credit-pricing disclosure, Q1 FY 2026-27Complete one-page credit-pricing disclosure dated 04 August 2026. These are division-level portfolio figures, not quoted product/variant rates or a borrower-specific offer.View tableHide table

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Federal Bank Gold Loan Business Division credit-pricing disclosure, Q1 FY 2026-27
MeasurePublished valueScope
Range of interest8.50%–22.90% p.a.Gold Loan Business Division; 2026-27
Mean of interest10.87%Gold Loan Business Division; 2026-27
Charges and feesSee the bank's Rates and Charges pageThe links to the bank's current charges index; scheme-level charges are in the linked schedule table.
9.68%–26.03%Gold Loan Business Division; 2026-27; aggregate range
  • Do not present these portfolio figures as the rate or of an individual gold-loan scheme. The disclosure does not split the figures by General Gold Loan, Digi , , Kisan, or interest-servicing variants.
Federal Bank Credit Pricing Details of Gold Loans — 2026-27, dated 04 August 2026 · page 1, complete credit-pricing disclosure · accessed 30 Sept 2026Open official source ↗
Table 6 · 2 rows · 2 columnsFederal Bank gold-loan per-gram maximum by purposeComplete scheme / maximum rate-per-gram table, preserving the bank's separate consumption and income-generating purposes.View tableHide table

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Federal Bank gold-loan per-gram maximum by purpose
Scheme / purposeMaximum loan value per gram
Consumption loansUp to 75% of market value of gold
Income-generating loansUp to 85% of market value of gold
  • The page says the amount depends on weight and purity and refers to pledged 22-carat hallmarked gold. A separate gold-loan eligibility states up to 75% without this purpose split; that conflict is preserved and not resolved by assumption.
Federal Bank Gold Loan Rate Per Gram — consumption and income-generating table · Complete Scheme / Maximum rate per gram table and related · accessed 30 Sept 2026Open official source ↗
Table 7 · 4 rows · 6 columnsFederal Bank Gold Loan business-correspondent coverage and grievance contactsGold-loan partners and selected service cities listed by Federal Bank. Coverage is partner- and city-specific.View tableHide table

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Federal Bank Gold Loan business-correspondent coverage and grievance contacts
Business correspondentSelected cities listedNodal grievance contactAddressPhone / hoursEmail
Rupeek Fintech Pvt LtdMumbai; Chennai; Coimbatore; Bengaluru; Hyderabad; Jaipur; Surat; Ludhiana; Indore; Lucknow; Chandigarh; Pune; Ahmedabad; New Delhi; Kolkata; Rajkot; Vijayawada; MysoreMohammed ImtiyazPlot #45/B, Shubham Complex, 1st A Main, Ground Floor, Front Wing (B), Sarakki Industrial Layout, J.P. Nagar, Bengaluru, Karnataka 560078, India080-68951717; 9:30 am–6:30 pm, Monday–Fridaygrievance@rupeek.com
Oro Corp Technologies Pvt LtdChennai; Bengaluru; Hyderabad; PuneMohammed Kabir#2, Rutland Gate 5th St, Srirampuram, Thousand Lights West, Thousand Lights, Chennai, Tamil Nadu 600006091 7971171064grievance@orocorp.in
Yellow Fintech Private LimitedBengaluruNikhil B N#677, 1st floor, Suite no.794, 27th main, 13th cross, sector 1, HSR Layout, Bengaluru 5601026366127569; 9:30 am–6:30 pm, Monday–Fridaynikhil@yellowmetal.co
Manipal Fintech Private LimitedChennaiRahul SinhaUdayavani Building, Press Corner, Manipal, Udupi, Karnataka 5761041800 309 8440; 9:30 am–6:30 pm, Monday–Fridaycustomer.care@manipalfintech.com
  • The bank page says these business-correspondent services are available in selected cities; verify current local availability and grievance escalation details with the bank or partner.
Federal Bank Gold Loans — product, collateral, valuation and page · Gold Loans through Business Correspondents; partner coverage and nodal grievance contacts · accessed 30 Sept 2026Open official source ↗

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