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  • Loan to meet the unforeseen contingencies (non-speculative purposes)
  • Lower Rate of Interest.
  • No Prepayment penalty.
  • Minimal processing charges.
  • Quick processing and disbursement.
  • To meet the Medical and other unforeseen expenses/ investment/ domestic expenses (non-speculative purposes)
Nature of Facility Single Transaction Limit
Loan Quantum
  • Up to 70% of the Appraised Value of Gold.
  • Minimum Amount - Rs. 5000/-
  • Maximum amount - Rs. 35 Lakh.
    Subject to a ceiling of Rs. 35 Lakh per Borrower under four schemes viz Swarna loan, Swarna OD, Swarna Express & Swarna Monthly Interest.
Security

Pledge of

  • Gold ornaments/Jewellery.
  • Specially minted Gold coins sold by banks up to 50 grams per customer.
Repayment Loan to be repaid within 6 months from the date of sanction as bullet payment along with interest.

Nomination Facility is available

  • Resident Individuals, NRIs
  • RLLR + 0.70% w.e.f., 12.06.2025.
Loan Product Consolidated Processing Charges (Excluding GST) till 31.03.2026

Swarna loan

0.30% of the Loan amount with a minimum of Rs.250.00 and maximum of Rs.3000.00

Swarna Overdraft

Swarna Monthly Interest
Swarna Express 0.15% of the Loan amount with a minimum of Rs.125.00 and maximum of Rs.1500.00
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Loans against Gold Jewellery for Land Development Activities
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Loans against Gold Jewellery for Allied Activities (monthly instalments)
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Overdraft against Gold Jewellery for Allied Activities
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Swarna Overdraft
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Overdraft against Gold Jewellery for Crop Cultivation
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Loans against Gold Jewellery for Crop Cultivation
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Swarna Monthly Interest Loan
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Swarna Loan
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