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PNB Digital Gold Loan

A digital loan against pledged gold jewellery or ornaments, from ₹25,000 to ₹25 lakh for retail borrowers and ₹10,000 to ₹25 lakh for agriculture borrowers.

Interest rate by segment and sanction amountRetail: up to ₹10 lakh, RLLR +0.85 points = 9.20% p.a.; above ₹10 lakh, RLLR +0.90 points = 9.25% p.a. Agriculture: up to ₹2.5 lakh, RLLR +0.50 points = 8.85% p.a.; above ₹2.5 lakh, RLLR +0.75 points = 9.10% p.a. Combined rates are arithmetic using PNB RLLR 8.35% effective 8 October 2026, not quoted all-in offers.Loan amount by segmentRetail: ₹25,000 to ₹25 lakh per borrower. Agriculture: ₹10,000 to ₹25 lakh.Repayment term by segment and facilityAgriculture: bullet demand loan up to 12 months; monthly EMI 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 EMI up to 36 months.
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Quick eligibility check

PNB Digital Gold Loan

0 of 8 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.

1Are you this type of customer: Retail: an individual resident of India?

Published source: Eligible customer segments

2Do you meet this requirement: Agriculture: a person engaged in agriculture or allied activities classified as agriculture under RBI rules?

Published source: Eligible customer segments

3Do you meet this requirement: The Digital Gold Loan page says both existing PNB customers and new-to-bank customers may apply?

Published source: Eligible customer segments

4Are you this type of customer: Retail route is for a resident individual?

5Do you meet this requirement: agricultural route is for persons engaged in agriculture or allied activities?

6Document checkDo you have this required document or proof: KYC and gold ownership evidence?

Published source: Eligible customer segments

7Document checkDo you have this required document or proof: Agriculture/allied-activity documents for the agricultural route?

Published source: Eligible customer segments

8Document checkDo you have this required document or proof: Digital consent and operative-account details?

Published source: Eligible customer segments
0 of 8 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 8 Oct 2026 · active
Offered byPunjab National Bank

India

Key facts

What the official sources publish

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

Loan typeDigital gold loan with agricultural and retail demand-loan, EMI and overdraft variants.View source
The official table lists bullet, and overdraft facilities by segment.
Source
PNB Digital Gold Loan
Page / section
Type Of Credit
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Interest rate by segment and sanction amountRetail: up to ₹10 lakh, RLLR +0.85 points = 9.20% p.a.; above ₹10 lakh, RLLR +0.90 points = 9.25% p.a. Agriculture: up to ₹2.5 lakh, RLLR +0.50 points = 8.85% p.a.; above ₹2.5 lakh, RLLR +0.75 points = 9.10% p.a. Combined rates are arithmetic using PNB RLLR 8.35% effective 8 October 2026, not quoted all-in offers.Effective 8 Oct 2026View source
The Digital Gold Loan page publishes the retail/agricultural spreads and the separate bank benchmark page publishes the effective . Combined figures are arithmetic only.
Source
PNB Digital Gold Loan spread table and current benchmark
Page / section
Rate of Interest; 8.35% effective 8 October 2026
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Current rate benchmarkPNB RLLR is 8.35% effective 8 October 2026; the Digital Gold Loan page applies an additional segment and amount-band spread.Effective 8 Oct 2026View source
is the benchmark component, not itself the customer rate; the product spread depends on segment and sanction amount.
Source
PNB Interest Rates on Advances — current benchmark
Page / section
table effective 8 October 2026, read with Digital Gold Loan rate tiers
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Loan amount by segmentRetail: ₹25,000 to ₹25 lakh per borrower. Agriculture: ₹10,000 to ₹25 lakh.Effective 5 Aug 2026View source
The official segment table provides minimum and maximum amounts per route.
Source
PNB Digital Gold Loan — current terms
Page / section
Loan Amount, Agriculture and Retail columns
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Repayment term by segment and facilityAgriculture: bullet demand loan up to 12 months; monthly EMI 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 EMI up to 36 months.Effective 5 Aug 2026View source
Facility type and tenure sections are both retained; agricultural overdraft annual renewal is distinct from the 12-month sanction period.
Source
PNB Digital Gold Loan — current terms
Page / section
Type of Credit and Tenure sections
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Processing / upfront feeRetail: 0.30% of the loan amount + GST or ₹500 + GST, whichever is higher. Agriculture: up to ₹50,000, nil; above ₹50,000 up to ₹2 lakh, ₹500 + GST; above ₹2 lakh, 0.25% + GST capped at ₹5,000 + GST. Documentation charge is nil for both segments.Effective 5 Aug 2026View source
The Digital page expressly uses ₹2 lakh as the agriculture fee-tier boundary, unlike the separate standard gold-loan page. Retail fee and nil documentation are stated in separate segment columns.
Source
PNB Digital Gold Loan — current terms
Page / section
Processing fee/Upfront Fee and Documentation Charge
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Eligible customer segmentsRetail: an individual resident of India. Agriculture: a person engaged in agriculture or allied activities classified as agriculture under RBI rules. The Digital Gold Loan page says both existing PNB customers and new-to-bank customers may apply.Effective 5 Aug 2026View source
The customer segment table separates retail residents and qualifying agriculture/allied applicants; the next eligibility block explicitly lists existing-bank and new-to-bank customers.
Source
PNB Digital Gold Loan — current terms
Page / section
Customer Segment and Eligibility
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Security acceptedRetail: pledge of gold jewellery or ornaments. Agriculture: jewellery, ornaments or coins; bullion, primary gold and smuggled gold are excluded. For fitted or filled ornaments, the assessor-certified net weight is used for the loan calculation.Effective 5 Aug 2026View source
The page separates retail jewellery/ornament security from the agriculture segment, which additionally accepts coins and states exclusions and assessor net-weight treatment.
Source
PNB Digital Gold Loan — current terms
Page / section
Security, Agriculture and Retail columns
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
DisbursementThe Digital Gold Loan page says the amount is disbursed digitally to the customer's operative account in both agriculture and retail segments.Effective 5 Aug 2026View source
Both segment cells state digital disbursement to the customer's operative account.
Source
PNB Digital Gold Loan — current terms
Page / section
Disbursement, Agriculture and Retail columns
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Gold appraisal feeThe customer bears the applicable gold-appraiser fee: ₹5 per ₹1,000, minimum ₹500 and maximum ₹1,200.Effective 5 Aug 2026View source
The page says the customer bears the gold-appraiser fee and gives the per-₹1,000 charge and minimum/maximum.
Source
PNB Digital Gold Loan — current terms
Page / section
Valuation Charges
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Geographic limitsRetail: an individual resident of India. Agriculture: a person engaged in agriculture or allied activities classified as agriculture under RBI rules. The Digital Gold Loan page says both existing PNB customers and new-to-bank customers may apply.View source
The manually reviewed product record states: “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.”.
Source
PNB Digital Gold Loan — official product page
Page / section
Published product metadata
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Digital disbursement to the operative account
  • Retail and agricultural routes
  • Bullet, and overdraft facilities
  • Retail margin 28% for / and 32% for bullet
  • Gold appraiser fee and valuation rules published

Eligibility

  • Retail route is for a resident individual; agricultural route is for persons engaged in agriculture or allied activities. Existing and new-to-bank customers are listed.

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

Documents the bank lists

  • and gold ownership evidence
  • Agriculture/allied-activity documents for the agricultural route
  • Digital consent and operative-account details

Related official documents

PNB Interest Rates on Advances — current MCLR and RLLR benchmarksofficial-bank-rate-page · reused-current-benchmark-reviewed-2026-10-08 · accessed 8 Oct 2026
↗
PNB Digital Gold Loanofficial-product-page · current · accessed 30 Aug 2026
↗
PNB Digital Gold Loan — current customer, rate, repayment and charge termsofficial-product-page · current-relevant-product-sections-reviewed · accessed 8 Oct 2026
↗
Services Charges Related to Retail Advances — PNBofficial-service-charge-page · current · accessed 30 Aug 2026
↗
Retail Advances — PNB rate tableofficial-rate-table · current · accessed 30 Aug 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

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₹22,816twenty-two thousand eight hundred sixteen rupees
Interest paid over the full loan₹29,75,772twenty-nine lakh seventy-five thousand seven hundred seventy-two rupees
Everything you repay₹54,75,772fifty-four lakh seventy-five thousand seven hundred seventy-two 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.

PNB Digi Home Loan · RateHousing table about 7.40–9.30% by /; no separate digital row

This value is copied from PNB digital and specialist loans — published terms. Check the table notes before relying on it.

Source: PNB digital housing, education, Kaushal and gold-loan pages · Digital and specialist retail loans Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 4 rows · 5 columnsPNB digital and specialist loans — published termsCurrent amounts, rates, eligibility, repayment and charges from PNB official pages and shared disclosures.View tableHide table

Scroll sideways to view every column

PNB digital and specialist loans — published terms
ProductRateAmount / eligibilityTenureCharges
PNB Digi Home LoanHousing table about 7.40–9.30% by /; no separate digital rowUp to ₹10 crore; regular income and two-year Digital page does not publish a separate tenureNil processing/documentation
PNB Digital Education LoanStarting 6.85%; institute-dependentNeed-based; eligible QHEIs; collateral-free route15 years; course + 1 year moratoriumNil processing/documentation
PNB Kaushal9.60%; 9.10% female student₹5,000–₹7.50 lakh; Indian national and eligible Skill India course3/5/7 years by amount; 6/12-month moratoriumNil processing/documentation; nil prepayment
PNB Digital Gold Loan+0.85/0.90 retail; +0.50/0.75 agriculture₹25,000–₹25 lakh retail; ₹10,000–₹25 lakh agriculture12-month bullet; 36-month ; agri 12 months0.30% or ₹500+ retail; agriculture tiers
PNB digital housing, education, Kaushal and gold-loan pages · Digital and specialist retail loans · accessed 30 Aug 2026Open official source ↗
Table 2 · 13 rows · 3 columnsPNB Digital Gold Loan — segment-wise terms and chargesAgriculture and retail application routes remain separate; the Digital product page publishes a different agriculture fee threshold from the standard gold-loan page.View tableHide table

Scroll sideways to view every column

PNB Digital Gold Loan — segment-wise terms and charges
TermAgriculture segmentRetail segment
Customer segmentApplicants engaged in agriculture/allied activity classified under rules.Individual person resident in India.
Bank relationshipExisting PNB customer or new-to-bank applicant.Existing PNB customer or new-to-bank applicant.
PurposeCrop production, land-based activity other than crop production, allied agriculture, or repayment of non-institutional borrowing.Personal need for non-agricultural purpose.
Loan amountMinimum ₹10,000; maximum ₹25 lakh.Minimum ₹25,000; maximum ₹25 lakh per borrower.
FacilityBullet demand loan (up to 12 months), demand loan (up to 36 months), or overdraft (12-month sanction subject to annual renewal).Bullet demand loan up to 12 months or up to 36 months.
RateUp to ₹2.5 lakh: +0.50 points (8.85% p.a. by arithmetic); above: +0.75 points (9.10% p.a. by arithmetic).Up to ₹10 lakh: +0.85 points (9.20% p.a. by arithmetic); above: +0.90 points (9.25% p.a. by arithmetic).
used for arithmetic8.35% effective 8 October 2026; arithmetic totals are not bank-quoted offers.8.35% effective 8 October 2026; arithmetic totals are not bank-quoted offers.
Margin15%.Bullet 32%; 28%.
SecurityJewellery, ornaments or coins; bullion, primary/smuggled gold excluded; assessor-certified net weight for fitted/filled ornaments.Jewellery or ornaments.
DisbursementDigitally to the customer's operative account.Digitally to the customer's operative account.
Processing / upfront feeUp to ₹50,000 nil; above ₹50,000 to ₹2 lakh ₹500 + ; above ₹2 lakh 0.25% + , capped at ₹5,000 + .0.30% + or ₹500 + , whichever is higher.
Documentation chargeNil.Nil.
ValuationCustomer bears gold-appraiser fee of ₹5 per ₹1,000, minimum ₹500 and maximum ₹1,200.Customer bears gold-appraiser fee of ₹5 per ₹1,000, minimum ₹500 and maximum ₹1,200.
  • The Digital page states agriculture fee tiers through ₹2 lakh; the standard Gold Loan page states its own Swarnim fee tiers through ₹2.5 lakh. Do not merge them.
  • The combined rates shown in parentheses are arithmetic from the published spreads and , not all-in PNB quotes.
PNB Digital Gold Loan — current terms · Customer Segment through Valuation Charges; current cross-reference · accessed 8 Oct 2026Open official source ↗

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