Standard Gold Loan
Multiple repayment structures; bullet, EMI and overdraft facilities
Gold loan against pledged gold jewellery/ornaments for personal and non-agricultural requirements such as medical, education, marriage and other personal needs.
Punjab National Bank Gold Loan
Bank
Punjab National Bank Gold Loan allows eligible customers to raise funds against pledged gold jewellery/ornaments for personal or eligible agricultural requirements. PNB offers bullet-repayment, EMI-based and overdraft options depending on the customer segment and scheme. For the current Digital Gold Loan, retail customers can borrow from ₹25,000 up to ₹25 lakh per borrower, while eligible agricultural customers can borrow from ₹10,000 up to ₹25 lakh.
Interest Rate
8.95% p.a.
Per Gram Value
₹13,869/g
Processing Fee
0.3%
Max Amount
upto ₹25 lakh
Tenure
Up to 36 months
Get instant offer
FreeGold purity
₹50K – ₹1 Cr
₹
₹50K₹1 Cr
Gold required
~46.95g22K (916)
at today's 75% LTV
No impact on credit score · Direct to Punjab National Bank
Call us nowPunjab National Bank's schemes
PNB Swarnim Yojana
Agriculture-focused pricing and 15% margin, with agricultural eligibility
Agriculture gold-loan scheme for farmers and other eligible agricultural/allied-activity borrowers to meet production, investment and other permitted agricultural requirements.
PNB Digital Gold Loan
Digital application and digital disbursement into the customer's operative account
Digitally processed gold loan for personal/non-agricultural and agricultural requirements, allowing eligible customers to apply digitally.
Watch: Punjab National Bank Gold Loan
Why choose Punjab National Bank?
- Loan against eligible gold jewellery/ornaments
- Retail and agricultural gold-loan variants
- Retail loan up to ₹25 lakh
- EMI repayment available
- Bullet repayment available
- Agricultural overdraft facility available
- Digital disbursal into the customer's operative account
- Documentation charge is nil
- Gold appraisal charges are payable by the customer
Documents required
- Identity proof
- Address proof
- PAN / applicable KYC documents
- Recent photographs
- Additional documents may apply depending on whether the loan is under the retail or agriculture segment.
Your details are shared only with Punjab National Bank for this application. Applying through GoldLoanBazaar is free and does not affect your credit score.
