Personal, home, vehicle & other loans

PNB Gold Loan

Loan against pledged gold jewellery, ornaments or eligible coins for personal, non-agricultural or agricultural purposes, with bullet, and overdraft variants.

Interest rate by segment and sanction amountRetail: up to ₹10 lakh, RLLR +0.85 percentage points = 9.20% p.a.; above ₹10 lakh, RLLR +0.90 points = 9.25% p.a. Swarnim 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 percentages are arithmetic using PNB RLLR 8.35% effective 8 October 2026, not separately quoted offer rates.Maximum financeRetail: ₹25,000 to ₹25 lakh per borrower. PNB Swarnim agriculture: ₹10,000 to ₹25 lakh per borrower.Repayment term by facilityRetail: bullet demand loan up to 12 months; EMI 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 EMI up to 36 months; overdraft sanctioned for 12 months subject to annual renewal, with interest serviced as due.

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✓ 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.

Maximum financeRetail: ₹25,000 to ₹25 lakh per borrower. PNB Swarnim agriculture: ₹10,000 to ₹25 lakh per borrower.Effective 5 Aug 2026View source

The current PNB table states retail minimum ₹0.25 lakh and maximum ₹25 lakh, and Swarnim minimum ₹10,000 and maximum ₹25 lakh.

Source: PNB Scheme for Advance Against Gold Jewellery/Gold Ornaments — current terms
Page / section: Quantum of Finance, retail and Swarnim columns
Accessed: 8 Oct 2026
Confidence: high

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Margin by facilityRetail: 32% for bullet demand loan and 28% for EMI term loan or overdraft. Swarnim agriculture: 15% at sanction.Effective 5 Aug 2026View source

The product page lists retail margins by facility and one Swarnim margin.

Source: PNB Scheme for Advance Against Gold Jewellery/Gold Ornaments — current terms
Page / section: Margin table
Accessed: 8 Oct 2026
Confidence: high

Open official source ↗

Repayment term by facilityRetail: bullet demand loan up to 12 months; EMI 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 EMI up to 36 months; overdraft sanctioned for 12 months subject to annual renewal, with interest serviced as due.Effective 5 Aug 2026View source

The page separately states sanction period and repayment period; both are preserved rather than collapsed into one number.

Source: PNB Scheme for Advance Against Gold Jewellery/Gold Ornaments — current terms
Page / section: Nature of Facility and Repayment, retail and Swarnim columns
Accessed: 8 Oct 2026
Confidence: high

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Upfront / processing feeRetail: 0.30% of loan amount + GST or ₹500 + GST, whichever is higher; documentation is nil. Swarnim: up to ₹50,000, nil; above ₹50,000 to ₹2.5 lakh, ₹500 + GST; above ₹2.5 lakh, 0.25% + GST capped at ₹5,000 + GST; documentation is nil.Effective 5 Aug 2026View source

The scheme page publishes different amount thresholds by segment; both are retained as printed. The retail tariff independently confirms the retail fee and nil documentation charge.

Source: PNB Scheme for Advance Against Gold Jewellery/Gold Ornaments — current terms
Page / section: Charges, retail and Swarnim columns
Accessed: 8 Oct 2026
Confidence: high

Open official source ↗

Loan typeGold loanView source

The official product name identifies this as “PNB Gold Loan”.

Source: PNB Gold Loan — official product page
Page / section: Official product name and loan classification
Accessed: 30 Aug 2026
Confidence: high

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PNB publishes the retail and Swarnim amount-band spreads on the product page and publishes 8.35% separately. The four combined percentages are shown only as arithmetic from those official components.

Source: PNB gold-loan spread table and current benchmark
Page / section: Product page, 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 gold-loan rate adds the segment and sanction-amount spread published by PNB.Effective 8 Oct 2026View source

The published is separate from the product spread; it is not itself the all-in gold-loan rate.

Source: PNB Interest Rates on Advances — current benchmark
Page / section: table effective 8 October 2026, read with Gold Loan product-page spreads
Accessed: 8 Oct 2026
Confidence: high

Open official source ↗

Loan amountRetail: ₹25,000 to ₹25 lakh per borrower. PNB Swarnim agriculture: ₹10,000 to ₹25 lakh per borrower.Effective 5 Aug 2026View source

The current PNB table states retail minimum ₹0.25 lakh and maximum ₹25 lakh, and Swarnim minimum ₹10,000 and maximum ₹25 lakh.

Source: PNB Scheme for Advance Against Gold Jewellery/Gold Ornaments — current terms
Page / section: Quantum of Finance, retail and Swarnim columns
Accessed: 8 Oct 2026
Confidence: high

Open official source ↗

Eligible borrowersRetail 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 RBI, Government of India or NABARD rules.Effective 5 Aug 2026View source

The current webpage names the retail resident-individual segment and the agricultural borrower groups; documentary conditions in the Swarnim scheme sheet remain in its separately sourced eligibility record.

Source: PNB Scheme for Advance Against Gold Jewellery/Gold Ornaments — current terms
Page / section: Eligibility, retail and PNB Swarnim columns
Accessed: 8 Oct 2026
Confidence: high

Open official source ↗

Security acceptedRetail: pledge of gold jewellery or ornaments. Swarnim: jewellery, ornaments or gold coins; bullion, primary gold and smuggled gold are excluded. For fitted or filled ornaments, the assessor-certified net weight is used to determine finance.Effective 5 Aug 2026View source

The agriculture column expressly adds coins and exclusions; the retail column names jewellery/ornaments.

Source: PNB Scheme for Advance Against Gold Jewellery/Gold Ornaments — current terms
Page / section: Security, retail and Swarnim columns
Accessed: 8 Oct 2026
Confidence: high

Open official source ↗

Other published chargesPNB lists a current credit-information charge of ₹100 + GST; gold-appraiser fee of ₹5 per ₹1,000, minimum ₹500 and maximum ₹1,200; re-appraisal ₹150 per pouch; and safe-keeping ₹100 per month or part. Safe-keeping is recovered after the prescribed loan facility tenure/closure. The page does not split these charges by retail versus Swarnim.Effective 5 Aug 2026View source

The current page gives the amount as presently ₹100 + , appraiser calculation and bounds, re-appraisal per pouch, and a safe-keeping charge for every facility type after closure.

Source: PNB Scheme for Advance Against Gold Jewellery/Gold Ornaments — current terms
Page / section: Charges, Other Charges paragraph
Accessed: 8 Oct 2026
Confidence: high

Open official source ↗

Application documentPNB's Gold Loan checklist names the Application for Loan against Gold Jewellery/Ornaments (Annexure-B) and allows any other paper required for the case. Its Annexure-D and Annexure-G are specifically for Sovereign Gold Bond loans, not jewellery-backed Gold Loan.Effective 30 Jan 2025View source

The checklist distinguishes the gold-jewellery loan form from the two Sovereign Gold Bond forms and includes a case-specific additional-document clause.

Source: PNB Loan Application Checklist — Gold Jewellery/Ornaments section
Page / section: Gold Loan/Sovereign Gold Bond Loan, lines 659–664; jewellery Annexure-B
Accessed: 8 Oct 2026
Confidence: high

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Gold valuation method and certificate fieldsPNB lists touch-stone, nitric-acid test and specific-gravity methods. The Shroff certificate records article description, gross weight, weight deductions, net weight, visible damage/defects, rate per gram and appraised value; for loans above ₹5 lakh, the page specifies the lower of two appraised values.Effective 5 Aug 2026View source

The page explicitly names all three gold-purity methods, seven fields in the Shroff certificate and the lower-of-two rule when the loan is above ₹5 lakh.

Source: PNB Scheme for Advance Against Gold Jewellery/Gold Ornaments — current terms
Page / section: Method of Valuation and Shroff certificate table
Accessed: 8 Oct 2026
Confidence: high

Open official source ↗

Geographic limitsRetail 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 RBI, Government of India or NABARD rules.View source

The manually reviewed product record states: “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.”.

Source: PNB Gold Loan — official product page
Page / section: Published product metadata
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

Retail gold loan from ₹25,000 to ₹25 lakh
Agricultural PNB Swarnim loan from ₹10,000 to ₹25 lakh
Bullet repayment up to 12 months or / variants up to 36 months
Gold appraiser and valuation process published by PNB

Eligibility

Retail route is for a resident individual; PNB Swarnim covers farmers and persons engaged in qualifying agricultural or allied activities.

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

Documents the bank lists

and ownership evidence for pledged gold
Agricultural activity documents where PNB Swarnim applies

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Loan repayment estimate

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Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

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.

TableProductChoose column

PNB Housing Loan for Public · Published amountNeed-based; plot/repair up to ₹1 crore

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

Source: PNB retail loan product pages · Housing, personal, pre-approved personal and gold 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 retail loans — published termsKey amounts, tenure and charges from PNB official product pages.View tableHide table

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PNB retail loans — published terms
Product	Published amount	Repayment	Key eligibility / security	Charges
PNB Housing Loan for Public	Need-based; plot/repair up to ₹1 crore	Up to 30 years	Assured regular income; mortgage of property	As per current schedule
PNB Personal Loan for Public	Up to ₹20 lakh / 24× gross monthly salary	Up to 72	PNB salary route; third-party guarantee	Nil prepayment
PNB Pre-Approved Personal Loan	₹25,000 to ₹20 lakh by route	Up to 72 months	Pre-approved PNB relationship/customer route	0.50%; minimum ₹500 +
PNB Gold Loan	₹25,000–₹25 lakh retail; ₹10,000–₹25 lakh agriculture	12–36 months by facility	Pledge of eligible gold	0.30% or ₹500 + retail; agri tiers

PNB retail loan product pages · Housing, personal, pre-approved personal and gold loans · accessed 30 Aug 2026Open official source ↗

Table 2 · 14 rows · 3 columnsPNB Gold Loan — retail and Swarnim termsVariant-wise purpose, amount, spread, repayment, security, margin and charges. Calculated rate percentages use the current published RLLR plus the explicit scheme spread.View tableHide table

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PNB Gold Loan — retail and Swarnim terms
Term	Non-agri retail gold loan	PNB Swarnim agriculture gold loan
Purpose	Personal non-agricultural needs including medical, education, marriage, unforeseen expenses, and repayment of non-institutional borrowing.	Short-term crop and allied production/investment credit; farm machinery/irrigation; horticulture; transport of produce; other qualifying /GoI/ agricultural activities.
Eligible borrower	Individual person resident in India.	Farmers, agricultural entrepreneurs including tenant farmers, oral lessees and sharecroppers, and other qualifying agriculture/allied applicants.
Loan amount	Minimum ₹25,000; maximum ₹25 lakh.	Minimum ₹10,000; maximum ₹25 lakh.
Interest rate	Up to ₹10 lakh: +0.85 points (9.20% p.a. by arithmetic). Above ₹10 lakh: +0.90 points (9.25% p.a. by arithmetic).	Up to ₹2.5 lakh: +0.50 points (8.85% p.a. by arithmetic). Above ₹2.5 lakh: +0.75 points (9.10% p.a. by arithmetic).
Benchmark used for displayed arithmetic	8.35% effective 8 October 2026; calculated spread combination, not an all-in quote.	8.35% effective 8 October 2026; calculated spread combination, not an all-in quote.
Facility and sanctioned period	Bullet demand loan up to 12 months; term loan up to 36 months; sanctioned for 12 months subject to annual review.	Bullet demand loan up to 12 months; monthly term loan up to 36 months; sanctioned for 12 months subject to annual renewal.
Repayment	Bullet at maturity; ; repayment ceiling 36 months subject to annual review.	Bullet principal and interest at maturity; monthly servicing of interest and principal for ; interest serviced as due.
Margin	32% for bullet; 28% for or .	15%.
Security	Pledge of gold jewellery or ornaments.	Pledge of jewellery, ornaments or coins; no bullion, primary or smuggled gold; assessor-certified net weight for fitted/filled ornaments.
Processing / upfront fee	0.30% of loan amount + or ₹500 + , whichever is higher.	Up to ₹50,000 nil; above ₹50,000 to ₹2.5 lakh ₹500 + ; above ₹2.5 lakh 0.25% + , maximum ₹5,000 + .
Documentation charge	Nil.	Nil.
Other charges	The page's common other-charge paragraph: presently ₹100 + ; appraiser ₹5 per ₹1,000 (₹500 minimum/₹1,200 maximum); re-appraisal ₹150 per pouch; safe-keeping ₹100/month or part after prescribed tenure/closure. Segment split not stated.	Same common paragraph; no separate segment amount is published.
Disbursement	Demand-loan proceeds credited to a PNB or other-bank savings/current account.	No cash; credit to savings, or another bank savings account.
Gold valuation	The page lists touch-stone, nitric-acid and specific-gravity methods.	The Shroff certificate records article, weights/deductions, defects, rate per gram and appraised value; above ₹5 lakh use the lower of two appraisal values.

PNB publishes sanction period and repayment period separately for retail overdraft; both are retained.
PNB's current web page publishes the Swarnim fee boundary at ₹2.5 lakh; the separate Digital Gold Loan page has a ₹2 lakh threshold.
The all-in rate figures in parentheses are arithmetic from the stated and official spread. They are not PNB quotations.

PNB Scheme for Advance Against Gold Jewellery/Gold Ornaments — current terms · Purpose through Disbursement and Method of Valuation; current rate benchmark cross-reference · accessed 8 Oct 2026Open official source ↗

Table 3 · 7 rows · 2 columnsPNB gold appraisal — Shroff certificate fieldsFields recorded for gold-article and value assessment; lower-of-two appraisal rule applies to loan amount above ₹5 lakh.View tableHide table

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PNB gold appraisal — Shroff certificate fields
Certificate field	Recorded value / treatment
Article description	Description of the gold article
Gross weight	Weight in grams
Deductions	Weight of stones, lac, alloy, strings, fastenings and other deductions, if any
Net weight	Net gold weight after deductions
Damage / defects	Damage, breakage or defects noticed in collateral
Rate per gram	Rate used in appraisal
Appraised value	For loan amount above ₹5 lakh, lower of the two appraised values

PNB Scheme for Advance Against Gold Jewellery/Gold Ornaments — current terms · Method of Valuation; Shroff Certificate for Calculation table · accessed 8 Oct 2026Open official source ↗

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PNB Gold Loan

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

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PNB Agriclinic and Agribusiness Centres Scheme

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