SBI Gold Loan | Interest Rates | Online Information | Eligibility

SBI Gold Loan- Compare the Interest Rates and Flexible Schemes of Gold Loans / Loans against Ornaments. Bank’s existing customers can avail the loan upto Rs.20 lacs by pledge of gold ornaments including gold coins sold by Banks. It requires minimum paper work and has low interest rate.

State Bank of India Gold Loan Interest Rates 2015

Loan Type Rate of Interest
Gold Loan 12.50% 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:  Rs10,000/- Urban/Metros:  Rs 20,000/-MAXIMUM – Rs. 20 lacs. 25%


  • Application Form for Gold Loans
  • Two copies of photograph of the borrower(s)
  • Proof of Address

Repayment Period

  • The repayment of Principal and Interest should commence from the month following the month of disbursement

SECURITY: Security of gold ornaments. 

(a) For BIS Hallmarked Jewellery/ Ornaments and specially minted Gold Coins sold by Banks : 0.51% of the Loan Amount

(Min: Rs 256 ; Max: Rs511)

(b) For Non Hallmarked Jewellery/ Ornaments:

(a)Up to Rs 25000: Rs256 per application;
(b)Above Rs 25000: 0.51% of the Loan amount or Rs511 whichever is higher.

Source: State Bank of India Website

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