Personal, home, vehicle & other loans

PNB Swarnim Agriculture Gold Loan

Agriculture-purpose credit against pledged gold ornaments, jewellery or gold coins, available as bullet demand loan, demand loan or overdraft.

Interest rate by sanction amountUp to ₹2.5 lakh: RLLR +0.50%, which is 8.85% p.a. using RLLR 8.35% effective 8 October 2026. Above ₹2.5 lakh: RLLR +0.75%, which is 9.10% p.a. These two figures are arithmetic results from PNB's published formula and benchmark, not separate PNB-quoted offers.Maximum loan₹25 lakh per borrower.Repayment periodBullet demand loan: up to 12 months, with interest and principal due at maturity. Monthly EMI demand loan: up to 36 months, with interest and principal serviced as due. Overdraft: 12-month sanction subject to annual renewal; 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.

Facility typesDemand loan with bullet repayment; demand loan with EMI repayment; or overdraft.View source

All three facility forms are listed in the scheme sheet.

Source: Financing against Pledge of Gold Ornaments/Jewellery/Gold Coins for Agriculture
Page / section: page 1, Nature of facility
Accessed: 3 Oct 2026
Confidence: high

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Loan purposeShort-term production or investment credit for crop production and allied agriculture; farm machinery and irrigation; horticulture; transport of agricultural produce; and other agriculture activities permitted under RBI, Government of India or NABARD guidelines.Effective 5 Aug 2026View source

The current page lists crop/allied activity, machinery/irrigation, horticulture, produce transport and qualifying /GoI/ agriculture uses. The separate scheme sheet lists the eligible non-institutional debt repayment purpose.

Source: PNB Scheme for Advance Against Gold Jewellery/Gold Ornaments — current terms
Page / section: Purpose, PNB Swarnim agriculture column
Accessed: 8 Oct 2026
Confidence: high

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Eligible borrowersFarmers, agri-entrepreneurs, tenant farmers, oral lessees, sharecroppers and other persons engaged in RBI-classified agriculture/allied activity. KYC is required. Up to ₹2.5 lakh, obtain a self-declaration; above ₹2.5 lakh, obtain landholding records and/or valid proof of agriculture activity. The borrower needs regular income, including projected income, to service interest/EMI.View source

The applicant documentary threshold and ongoing repayment-income condition are transcribed from the .

Source: Financing against Pledge of Gold Ornaments/Jewellery/Gold Coins for Agriculture
Page / section: page 1, Eligibility
Accessed: 3 Oct 2026
Confidence: high

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Minimum loan₹10,000 per borrower.Effective 5 Aug 2026View source

The current PNB table states a Swarnim minimum loan amount of ₹10,000.

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

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Maximum loan₹25 lakh per borrower.Effective 5 Aug 2026View source

The current PNB table states a maximum Swarnim loan amount of ₹25 lakh.

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

Open official source ↗

PNB publishes the two Swarnim spreads and separately publishes at 8.35%. The displayed 8.85% and 9.10% values are explicit arithmetic (benchmark + published spread), not figures printed in PNB's row.

Source: PNB Interest Rates on Advances — Swarnim and current benchmark rows
Page / section: Section 2.4, Swarnim sanction-amount rate rows; effective 8 October 2026
Accessed: 8 Oct 2026
Confidence: high

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Margin15% at the time of sanction.Effective 5 Aug 2026View source

The PNB Swarnim column lists a 15% margin.

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

Open official source ↗

Repayment periodBullet demand loan: up to 12 months, with interest and principal due at maturity. Monthly EMI demand loan: up to 36 months, with interest and principal serviced as due. Overdraft: 12-month sanction subject to annual renewal; interest serviced as due.Effective 5 Aug 2026View source

The source distinguishes maturity repayment, monthly servicing and the overdraft's annual renewal and interest servicing.

Source: PNB Scheme for Advance Against Gold Jewellery/Gold Ornaments — current terms
Page / section: Repayment, PNB Swarnim agriculture column
Accessed: 8 Oct 2026
Confidence: high

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SecurityPledge of gold jewellery, ornaments or coins. PNB excludes bullion, primary gold and smuggled gold. If ornaments contain jewel fittings or infilling, the assessor-certified net weight is used to calculate finance.Effective 5 Aug 2026View source

The live page confirms the accepted collateral, prohibited forms of gold and assessor net-weight rule.

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

Open official source ↗

Upfront fee and documentation chargeUp to ₹50,000: nil. Above ₹50,000 to ₹2.5 lakh: ₹500 + GST. Above ₹2.5 lakh: 0.25% of the loan amount + GST, capped at ₹5,000 + GST. Documentation charge: nil.Effective 5 Aug 2026View source

The live product webpage clearly associates the ₹2.5 lakh threshold with the Swarnim upfront-fee column; this replaces the unresolved extracted- row interpretation. The Digital Gold Loan page publishes a distinct ₹2 lakh threshold and is not used here.

Source: PNB Scheme for Advance Against Gold Jewellery/Gold Ornaments — current terms
Page / section: Charges, PNB Swarnim agriculture column
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 facility tenure/closure. The product page does not split these other charges by borrower segment.Effective 5 Aug 2026View source

This is the common other-charges paragraph after the two segment upfront-fee cells; it is not split into a retail-versus-agriculture table on the page.

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 permits any other document required for the case. The SGB-only Annexure-D and Annexure-G are not jewellery-loan forms.Effective 30 Jan 2025View source

The checklist lists the jewellery loan's Annexure-B application, separate forms and an any-other-case-paper clause.

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

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Current RLLR benchmarkPNB RLLR is 8.35% effective 8 October 2026. Swarnim adds 0.50 percentage points up to ₹2.5 lakh and 0.75 points above that amount.Effective 8 Oct 2026View source

The current benchmark and the scheme's amount-specific spreads are published separately on the same official advances-rate page.

Source: PNB Interest Rates on Advances — Swarnim and current benchmark rows
Page / section: revision effective 8 October 2026; Section 2.4, Swarnim rate rows
Accessed: 8 Oct 2026
Confidence: high

Open official source ↗

Benefits and features

Loan amount ₹10,000–₹25 lakh per borrower
Published pricing is +0.50% up to ₹2.5 lakh and +0.75% above ₹2.5 lakh

Eligibility

is required. Up to ₹2.5 lakh, the bank takes a self-declaration; above that, landholding or valid agriculture-activity evidence is required. Regular income, including projected income, must support servicing interest/.

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

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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₹22,253twenty-two thousand two hundred fifty-three rupees

Interest paid over the full loan₹28,40,610twenty-eight lakh forty thousand six hundred ten rupees

Everything you repay₹53,40,610fifty-three lakh forty thousand six hundred ten 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.

TableCharge

Upfront fee — up to ₹50,000 · Amount / basisNil

This value is copied from PNB Swarnim agriculture gold loan — current webpage charges. Check the table notes before relying on it.

Source: PNB Scheme for Advance Against Gold Jewellery/Gold Ornaments — current terms · Charges, PNB Swarnim agriculture column and Other Charges paragraph 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 columnsPNB Swarnim agriculture gold loan — current webpage chargesCurrent live product webpage resolves the threshold-to-fee association that was left unassigned in the previously extracted PDF text. The PDF visual/hash gate remains open.View tableHide table

Scroll sideways to view every column

PNB Swarnim agriculture gold loan — current webpage charges
Charge	Amount / basis
Upfront fee — up to ₹50,000	Nil
Upfront fee — above ₹50,000 to ₹2.5 lakh	₹500 +
Upfront fee — above ₹2.5 lakh	0.25% of loan amount + ; maximum ₹5,000 +
Documentation charge	Nil
Credit-information report	Currently ₹100 +
Gold appraisal	₹5 per ₹1,000; minimum ₹500; maximum ₹1,200
Re-appraisal	₹150 per pouch at revaluation
Safe-keeping	₹100 per month or part; recovered after prescribed facility tenure/closure

These tiers come from the PNB Swarnim column of the current standard gold-loan product page. They are not the Digital Gold Loan agriculture schedule, whose threshold is ₹2 lakh.
The existing two-page scheme text was reviewed, but its rendered-page and local-hash gate is unresolved. The current webpage, not the ambiguous extracted row, is used to assign fee headings.

PNB Scheme for Advance Against Gold Jewellery/Gold Ornaments — current terms · Charges, PNB Swarnim agriculture column and Other Charges paragraph · accessed 8 Oct 2026Open official source ↗

Table 2 · 8 rows · 2 columnsSwarnim agriculture gold loan — amount, rate and repaymentView tableHide table

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Swarnim agriculture gold loan — amount, rate and repayment
Parameter	Published term
Minimum / maximum	₹10,000 / ₹25 lakh per borrower
Margin	15% at sanction
Rate up to ₹2.5 lakh	+0.50%; 8.85% p.a. by arithmetic using 8.35% effective 8 October 2026
Rate above ₹2.5 lakh	+0.75%; 9.10% p.a. by arithmetic using 8.35% effective 8 October 2026
demand loan	Up to 36 months; service interest and principal as due
Bullet demand loan	Up to 12 months; repay principal and interest at maturity
Overdraft	12 months, subject to annual renewal; service interest as due
Security	Pledge of jewellery, ornaments or coins; bullion and primary/smuggled gold excluded; assessor-certified net weight for fitted/filled ornaments

PNB publishes the amount-band spreads in its current advances-rate page. The 8.85% and 9.10% amounts are calculated as plus the stated spread; PNB does not print those combined figures in the Swarnim rate rows.
Minimum/maximum, margin, repayment and security are retained from the reviewed Swarnim scheme ; the charge table remains separate and its unresolved fee-heading association is not changed in this packet.

PNB Swarnim scheme and current advances-rate page · Scheme pages 1–2; current rate page section 2.4 and table · effective 8 Oct 2026 · accessed 8 Oct 2026Open official source ↗

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PNB Swarnim Agriculture Gold Loan

What the official sources publish

Benefits and features

Eligibility

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

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