Gold Loans
Unlock the hidden potential of your gold jewellery with Punjab Gramin Bank. Quick processing, low interest rates, and absolute security for your ornaments.
9.30%
Starting Interest
Safe
Bank Vault Security
Advance Against Gold Jewellery
Instant liquidity for medical, educational, marriage, or unforeseen expenses using your gold ornaments as security.
Quantum
₹0.25 Lakh to ₹25.00 Lakh
Margin
30% prescribed
Interest Rate
9.30% p.a.
Security
Gold Jewellery / Ornaments
Repayment Options
Demand Loan (Bullet)
Repay interest and principal at maturity (Max 12 months).
Demand Loan (EMI)
Monthly installments for up to 36 months.
Overdraft
12-month limit with annual review and regular interest servicing.
Service Charges
Processing Fee
0.30% of loan amount + GST
(Min. ₹500 + Tax)
Important Note
Gold purity will be certified by the bank's approved assessor. No loans are sanctioned against primary gold bars or coins.
Compare Schemes
| Feature | Personal Gold Loan | Swarnim AgriGold |
|---|---|---|
| Margin | 30% | 20% |
| Max Amount | ₹25.00 Lakh | ₹10.00 Lakh |
| Repayment Max | 36 Months (EMI) | 12 Months |
| Interest Repayment | As per facility | At Maturity / 12 Months |