SBI Gold Loan | Interest Rates | Online Information | Eligibility

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

Loan against Gold Ornaments Interest Rates 2014

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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