SBI Gold Loan | Interest Rates | Online Information | Eligibility

SBI Gold Loan- Compare Interest Rates and Flexible Schemes of gold Loans / Loans against Ornaments. . Bank’s existing customers can avail the loan upto Rs.10 lacs by pledge of gold ornaments including gold coins sold by Banks. It requires minimum paper work and has low interest rate.

Loan against Gold Ornaments Interest Rates as on 21-3-2014 (March)

Size of Credit Limit Rate of Interest
Upto Rs. 1,00,000/- 4.25% above Base Rate Floating, currently 14.25% p.a.
Above Rs. 1,00,000/- 4.75% above Base Rate Floating, currently 14.75% p.a.

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  • Age: 21 years and above
  • Profession: Anybody with Steady source of income including: Bank’s Employees, Pensioners
Rural/Semi Urban:  Rs 5000/-Urban/Metros:  Rs 10,000/-MAXIMUM – Rs. 10 lacs. 30%


  • D P Note and D P Note Take Delivery Letter
  • Application for Gold Loans (as per specified format)
  • Two copies of photograph of the borrower(s)
  • Gold Ornaments Take Delivery Letter (as per specified format)
  • Witness Letter in case of illiterate borrowers (as per specified format)
  • Arrangement Letter (as per specified format)

Repayment Period

  • 30 months
  • Calculate the EMI and advice the customer about the same depending on the tenure they want


Security of gold ornaments. 

(a) For loans up to Rs.25,000/-

Rs.500/- per application

(b) For loans above Rs.25,000/-

1% of the loan amount inclusive of service tax or Rs.1000/- per application whichever is higher

Source: State Bank of India Website


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Disclaimer: This information is sourced from Bank's Website to help customers to gain information on Banks product.
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