Personal, home, vehicle & other loans

Personal Gold Loan

A loan secured by pledged eligible gold, offered in , 12-month bullet and overdraft variants with published rates of 9.15%-10.10% as of 16 June 2026.

Rates as of 16 June 20269.15% p.a. for 12-month bullet; 10.10% p.a. for EMI and overdraft variants Maximum amount₹1 crore per individual. The page also states a minimum loan amount of ₹20,000; the overdraft variant has a separate minimum of ₹5 lakh.Maximum repayment period36 months for EMI and overdraft; 12 months for bullet repayment

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✓ Manually checked 13 Aug 2026 · active

Offered byState Bank of India

India through published application and contact-centre routes, subject to gold appraisal and branch processing

Key facts

What the official sources publish

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

Repayment variantsEMI gold loan, 12-month bullet repayment gold loan and gold-loan overdraftView source

The variants share pledged-gold security but have different rates, margins and repayment methods.

Source: Personal Gold Loan
Page / section: Features and Repayment
Accessed: 13 Aug 2026
Confidence: high

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EligibilityIndividuals singly or jointly, age 18+, with a steady source of income; income documents required above ₹2.5 lakhView source

Employees and pensioners are explicitly included among eligible professions.

Source: Personal Gold Loan
Page / section: Eligibility
Accessed: 13 Aug 2026
Confidence: high

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Minimum loan₹20,000 for EMI or bullet variants; ₹5 lakh for overdraftView source

The reviewed current page does not state a maximum loan amount, so none is inferred.

Source: Personal Gold Loan
Page / section: Features — Minimum Loan Amount
Accessed: 13 Aug 2026
Confidence: high

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Rates as of 16 June 20269.15% p.a. for 12-month bullet; 10.10% p.a. for EMI and overdraft variantsEffective 16 Jun 2026View source

states the rates are subject to change under bank policy.

Source: Personal Gold Loan
Page / section: — Interest Rate
Accessed: 13 Aug 2026
Confidence: high

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Published margin28% for EMI, 35% for 12-month bullet and 26% for overdraftView source

Loan quantum also depends on appraised quality, quantity and current advance value per gram.

Source: Personal Gold Loan
Page / section: Features — Margin
Accessed: 13 Aug 2026
Confidence: high

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Maximum repayment period36 months for EMI and overdraft; 12 months for bullet repaymentView source

repayment begins the month after disbursement; overdraft interest is serviced monthly.

Source: Personal Gold Loan
Page / section: Repayment Period
Accessed: 13 Aug 2026
Confidence: high

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Processing fee by loan amount₹50,000-₹2 lakh: 0.50%, minimum ₹500; above ₹2 lakh-₹25 lakh: 0.30%, minimum ₹1,000; above ₹25 lakh: 0.25%, minimum ₹7,500 and maximum ₹15,000; GST extraView source

Gold-appraiser charges are payable separately by the applicant.

Source: Personal Gold Loan
Page / section: Features — Processing fee
Accessed: 13 Aug 2026
Confidence: high

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SecurityPledge of gold ornaments verified for quality and quantity; eligible bank-sold gold coins are also describedView source

Appraised eligible gold, not the customer's purchase cost, determines security value.

Source: Personal Gold Loan
Page / section: Overview and Features — Security
Accessed: 13 Aug 2026
Confidence: high

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Benchmark / reference rateThe gold-loan FAQ links each published rate to 1-year MCLR: 12-month bullet is 0.45% above 1-year MCLR, EMI is 1.40% above and overdraft is 1.00% above. The current rate table displays 1-year MCLR as 8.70%.View source

The states the three variant spreads over 1-year ; the current rate route displays 1-year 8.70%.

Source: Personal Gold Loan — official product page
Page / section: 11 — variant and benchmark basis
Accessed: 29 Aug 2026
Confidence: high

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Prepayment / foreclosureNo prepayment penalty and no foreclosure charge. SBI states that the gold loan may be closed at any point without foreclosure charges.View source

The official answers No to both pre-payment penalty and foreclosure charges.

Source: Personal Gold Loan — official product page
Page / section: 17–18 — pre-payment penalty and foreclosure charges
Accessed: 29 Aug 2026
Confidence: high

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Loan typeEMI gold loan, 12-month bullet repayment gold loan and gold-loan overdraftView source

The variants share pledged-gold security but have different rates, margins and repayment methods. This is the issuer-published facilityType value shown under the comparison field “Loan type”.

Source: Personal Gold Loan
Page / section: Features and Repayment — comparison field: Loan type
Accessed: 13 Aug 2026
Confidence: high

Open official source ↗

Maximum amount₹1 crore per individual. The page also states a minimum loan amount of ₹20,000; the overdraft variant has a separate minimum of ₹5 lakh.Effective 1 Jul 2026View source

7 states minimum ₹20,000 and maximum ₹1 crore per individual; Features separately lists the overdraft minimum as ₹5 lakh.

Source: Personal Gold Loan — official product page
Page / section: 7 — minimum & maximum loan amount; Features
Accessed: 14 Sept 2026
Confidence: high

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TenureTenure up to 36 monthsView source

The manually reviewed product summary states: “Tenure up to 36 months”.

Source: Personal Gold Loan — official product page
Page / section: Published loan terms in product summary
Accessed: 13 Aug 2026
Confidence: high

Open official source ↗

Minimum incomeSupporting income documents are required for amounts above ₹2.5 lakh.View source

The manually reviewed product record states: “Individuals singly or jointly, age 18+, with a steady source of income; income documents required above ₹2.5 lakh”.

Source: Personal Gold Loan — official product page
Page / section: Published product metadata
Accessed: 13 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

, bullet and overdraft variants
Published rates from 9.15% p.a. as of 16 June 2026
Minimum borrowing from ₹20,000 for non-overdraft variants
Tenure up to 36 months
Existing fully -compliant customers have a reduced document list

Eligibility

Gold is pledged to and is exposed to enforcement if repayment terms are not met.
Supporting income documents are required for amounts above ₹2.5 lakh.
Gold-appraiser charges and on applicable fees are extra.
Rates and advance value per gram can change under bank policy.

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

Documents the bank lists

Personal Gold Loan application
Two recent passport-size photographs
Relevant officially valid document for new-to-bank, non--compliant or changed-details customers
Income documents for borrowing above ₹2.5 lakh
Eligible gold for appraisal and pledge

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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₹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

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TableParameter

Borrowers · Published detailIndividuals singly or jointly, age 18 or above, with a steady source of income.

This value is copied from Personal Gold Loan — published terms. Check the table notes before relying on it.

Source: Personal Gold Loans — State Bank of India · Overview; Features; Eligibility; Repayment Period; 11 and 17–18 Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 10 rows · 2 columnsSBI Personal Gold Loan — published termsGold-loan variants, amount, rate, margin, tenure and charges from SBI's official product page and FAQ.View tableHide table

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SBI Personal Gold Loan — published terms
Parameter	Published detail
Borrowers	Individuals singly or jointly, age 18 or above, with a steady source of income.
Variants	gold loan, 12-month bullet-repayment gold loan and gold-loan overdraft.
Minimum amount	₹20,000 for or bullet variants; ₹5 lakh for overdraft.
Interest rate	9.15% p.a. for 12-month bullet; 10.10% p.a. for and overdraft variants.
Benchmark	Bullet is 0.45% above one-year , is 1.40% above and overdraft is 1.00% above; the linked table displays one-year as 8.70%.
Margin	28% for , 35% for 12-month bullet and 26% for overdraft.
Tenure	Up to 36 months for and overdraft; 12 months for bullet repayment.
Processing fee	₹50,000–₹2 lakh: 0.50% (minimum ₹500); above ₹2 lakh–₹25 lakh: 0.30% (minimum ₹1,000); above ₹25 lakh: 0.25% (minimum ₹7,500, maximum ₹15,000); extra.
Security / prepayment	Pledge of eligible gold ornaments or bank-sold gold coins; no prepayment penalty or foreclosure charge.
Income evidence /	Supporting income documents are required for amounts above ₹2.5 lakh; no separate is published.

Personal Gold Loans — State Bank of India · Overview; Features; Eligibility; Repayment Period; 11 and 17–18 · accessed 31 Aug 2026Open official source ↗

Table 2 · 4 rows · 2 columnsSBI Personal Gold Loan — amount and processing-fee bandsPublished loan-amount and processing-fee information from the current official page.View tableHide table

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SBI Personal Gold Loan — amount and processing-fee bands
Loan amount	Processing fee
₹50,000 to ₹2,00,000	0.50% of loan amount; minimum ₹500 plus
Above ₹2,00,000 to ₹25,00,000	0.30% of loan amount; minimum ₹1,000 plus
Above ₹25,00,000	0.25% of loan amount; minimum ₹7,500 and maximum ₹15,000 plus
Overall product limit	Minimum ₹20,000; maximum ₹1 crore per individual. Overdraft minimum ₹5 lakh.

The page's gives the overall maximum per individual; the fee table starts at ₹50,000, so the lower amount band is not assigned a fee here.

Personal Gold Loan — official product page · Features — Processing fee table; 7 · effective 1 Jul 2026 · accessed 14 Sept 2026Open official source ↗

Personal 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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