Gold Loan

Gold Loan

Turn your gold into a valuable resource with APCOB Bank’s Gold Loans. Whether you need quick funds for emergencies or want to leverage your gold assets without parting with them, our hassle-free loan options and competitive terms empower you to unlock the financial potential of your precious jewelry or ornaments.

  • Any individual with jewellery and steady source of income (No proof of income required)
  • Existing as well as new customer whose willingness to open account with us
Features & Benefits

Quantum of Loan: 75% of market value of the Jewels pledged or per gram advance value of Jewels, whichever is lower.

Maximum Loan Amount - Rs. 40 lakh and Minimum amount of Rs. 10,000/-

Margin - 10%* on appraised value of Gold ornaments.

Bullet Repayment (Normal Gold loans) available up to Rs.2.00 lakh i.e., entire loan amount is repayable at the end of period along with interest. (Repayment period is 12 months)

Commercial gold loan available up to Rs.40.00 lakh per individual. Repayment period is 6 months

Agri/Farm Gold loan available up to Rs.10.00 lakh. (Term loan only)

Charges - 0.4% of loan amount with a maximum of Rs.600/- and minimum of Rs.100/-

Rate of Interest
  • Normal Gold loan upto Rs. 1.00 lakh – 8.0%
  • Normal gold loan from Rs. 1.00 lakh upto 2.00 lakh – 8.5%
  • Normal gold SOD loans upto 1.00 lakh – 8.0%
  • Normal gold SOD loan from Rs. 1.00 lakh upto 2.00 lakh – 8.50%
  • Commercial Gold loans upto 5.00 lakh – 9.0%
  • Commercial Gold loans above 5.00 lakh – 9.5%
  • Commercial Gold SOD upto 5.00 lakh – 9.5%
  • Commercial Gold SOD above 5.00 lakh – 10.0%
Related Services

Mortgage Loan

APCOB Bank current accounts are easy to open and simple to use.

Business Loan

Zero(0) Account Balance and ₹ 3.75% Rate Of Interest

Personal Loan

Open Corporate Salary Delight Account and get attractive benefits.

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    1. What is a gold loan?

    A gold loan is a type of secured loan where gold jewelry is used as collateral to borrow funds from a lender, such as a bank or a financial institution.

    2. How much loan can I get against my gold?

    The loan amount depends on the weight and purity of the gold you pledge. Lenders usually offer loans ranging from 70% to 90% of the gold's current market value.

    3. What documents are required to apply for a gold loan?

    Common documents required include proof of identity, proof of address, and the gold jewelry to be pledged. Some lenders may have specific requirements, so it's best to check with the respective institution.

    4. What is the interest rate on a gold loan?

    Interest rates for gold loans are generally lower than unsecured loans but can vary from lender to lender. It's essential to compare interest rates and choose a lender offering a competitive rate.

    5. What is the repayment tenure for a gold loan?

    Gold loans typically have short repayment tenures, ranging from a few months to a few years. The exact tenure varies based on the lender's policies and the borrower's preference.