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Gold loans

Compare loans secured by eligible gold, including rates, margins and tenures.

	Filter Interest rate Below 7%3	Filter Benchmark RLLR6MCLR7 Matches any selected option	Filter Maximum finance Up to ₹5 lakh1₹5–₹25 lakh1₹25 lakh–₹1 crore1	Filter Maximum tenure Up to 1 year111–5 years5	Filter Minimum income Above ₹1 lakh1	Filter Processing fee Nil / no fee7Percentage-based fee6Flat rupee fee13Fee has a maximum cap6GST / tax additional12 Matches any selected option	Filter Prepayment / closure No penalty / charge9Percentage charge1Conditional rules1
Bank of India Gold LoanBank of India	Activity-based pricing is published as: Agriculture at 1 Year + BSS 0.15% Agriculture–Food & Agro at RBLR + 0.25% at RBLR + 0.65% Retail at RBLR + 1.05%. The page does not show a single present rupee-rate percentage for all activity types.	Activity-specific benchmarks are 1 Year for agriculture and RBLR for Agriculture–Food & Agro, and retail, with published BSS/ spreads.	Loan-to-value is up to 85% of gold value. Minimum loan amount is ₹20,000 and maximum loan amount is ₹30 lakh.	No numeric maximum repayment period is published on the reviewed Gold Loan page or service-charge annexure confirm the selected scheme’s tenure with BOI before applying.	No income or salary threshold is published the loan is secured by pledged gold and the stated purpose/ownership conditions.	Including proposal processing, documentation and inspection: up to ₹50,000 nil above ₹50,000 to ₹1 lakh ₹250 above ₹1 lakh to ₹5 lakh ₹500 above ₹5 lakh to ₹10 lakh ₹1,000 above ₹10 lakh ₹1,500. Applicable is extra.	No pre-closure charges are published for the Gold Loan.
Bank of Maharashtra Agriculture Gold LoanBank of Maharashtra	8.35% p.a. at the current one-month of 8.30% plus 0.05%.	One-month 8.30% + 0.05%.	₹1 crore per borrower, subject to actual agriculture credit requirement and the pledged gold assessment. ↑	Within 24 months, depending on purpose.	No income floor applicant must be engaged in agriculture or an allied activity and satisfy .	Nil up to ₹3 lakh ₹500 above ₹3 lakh to ₹5 lakh ₹1,000 above ₹5 lakh to ₹10 lakh ₹1,500 above ₹10 lakh to ₹20 lakh ₹2,000 above ₹20 lakh.	2% of the prepaid amount when prepayment exceeds 25% of the sanctioned limit nil when principal outstanding is below 25% of sanctioned limit not applicable to Micro and Small Enterprises.
Bank of Maharashtra Gold LoanBank of Maharashtra	Published /PED rate table: 8.50% p.a. up to ₹1 crore at 75% , 9.00% up to ₹5 lakh at 80% and 9.25% up to ₹2.50 lakh at 85% . Bullet-repayment tables use the same rates with lower . The page separately states the current lowest rate from 8.50% p.a.	plus a published spread: + 0.45% = 8.50%, + 0.95% = 9.00% and + 1.20% = 9.25% in the reviewed scale table.	Minimum quantum ₹20,000 and maximum amount up to ₹1 crore, subject to the bank's terms and tables.	Term-loan repayment up to 24 months bullet repayment up to 12 months.	No income threshold is published and no score is required all individuals who own eligible gold and satisfy can apply.	Up to ₹3 lakh: nil above ₹3 lakh to ₹5 lakh: ₹500 above ₹5 lakh to ₹10 lakh: ₹1,000 above ₹10 lakh to ₹20 lakh: ₹1,500 above ₹20 lakh: ₹2,000. Packing/out-of-pocket expense is ₹100 plus .	No pre-payment, pre-closure or part-payment charges.
Canara Gold Loan for Allied Activities (Monthly Instalments)Canara Bank	Agricultural gold-loan rate: one-year + 0.10% (effective 12 December 2025), subject to current Canara rate updates.	One-year Marginal Cost of Funds based Lending Rate ().	₹100 minimum and ₹35 lakh maximum, up to 80% of appraised gold value and subject to the ₹35 lakh agricultural-gold ceiling.	Within 12 months from sanction, repaid in monthly instalments.	No income minimum is published assessment is based on eligible allied activity and pledged gold.	₹0 up to ₹50,000 ₹250 above ₹50,000–₹1 lakh ₹500 above ₹1–₹3 lakh ₹1,100 above ₹3–₹5 lakh ₹1,450 above ₹5–₹10 lakh ₹2,750 above ₹10 lakh, excluding .	No prepayment penalty.
Canara Gold Loan for Crop CultivationCanara Bank	One-year + 0.10% p.a. for Agricultural Gold Loan schemes, effective from 12 December 2025 in Canara's official rate table.	One-year Marginal Cost of Funds based Lending Rate ().	₹100 minimum and ₹10 lakh maximum up to 80% of appraised gold value, restricted to the lower of lending-rate-per-gram or scale-of-finance amount.	Maximum 12 months from sanction, with monthly, quarterly, half-yearly instalments or lump-sum payment simple interest has half-yearly rest.	No universal rupee income minimum is published crop purpose, agricultural evidence and the applicable scale of finance are required.	Agricultural gold-loan slab: nil up to ₹50,000 ₹250 above ₹50,000–₹1 lakh ₹500 above ₹1–₹3 lakh ₹1,100 above ₹3–₹5 lakh ₹1,450 above ₹5–₹10 lakh ₹2,750 above ₹10 lakh, excluding .	No prepayment penalty.
Canara Gold Jewellery Overdraft for Crop CultivationCanara Bank	One-year + 0.10% p.a. for Agricultural Gold Loan schemes in Canara's official rate table. ↓	One-year .	₹100 minimum and ₹10 lakh maximum up to 80% of appraised gold value subject to the lower lending-rate-per-gram or scale-of-finance amount.	Revolving facility tenable up to 12 months monthly interest is serviced.	No universal rupee income minimum is published crop purpose and agricultural documentation are required.	Agricultural gold-loan slab: nil up to ₹50,000 ₹250 above ₹50,000–₹1 lakh ₹500 above ₹1–₹3 lakh ₹1,100 above ₹3–₹5 lakh ₹1,450 above ₹5–₹10 lakh ₹2,750 above ₹10 lakh, excluding .	No prepayment penalty.
Canara Gold Loan for Land DevelopmentCanara Bank	Agricultural gold-loan rate: one-year + 0.10% (effective 12 December 2025), subject to current Canara rate updates.	One-year Marginal Cost of Funds based Lending Rate ().	₹100 minimum and ₹35 lakh maximum, up to 80% of appraised gold value overall agricultural-gold ceiling is ₹35 lakh per borrower.	Within 12 months from sanction monthly, quarterly, half-yearly instalments or lump-sum repayment.	No income minimum is published the loan is assessed against eligible agricultural purpose and pledged gold.	₹0 up to ₹50,000 ₹250 above ₹50,000–₹1 lakh ₹500 above ₹1–₹3 lakh ₹1,100 above ₹3–₹5 lakh ₹1,450 above ₹5–₹10 lakh ₹2,750 above ₹10 lakh, excluding .	No prepayment penalty.
Canara Swarna ExpressCanara Bank	+ 0.95% p.a. for Swarna schemes, as shown in Canara's official gold-loan rate table.	Repo Linked Lending Rate ().	₹5,000 minimum and ₹50 lakh maximum per borrower across Swarna Loan, Swarna , Swarna Express and Swarna Monthly Interest.	Bullet repayment within 6 months from sanction, along with interest.	No income threshold is published resident individuals and are assessed on pledged gold, appraisal and .	0.15% of loan amount, minimum ₹125 and maximum ₹1,500, excluding .	No prepayment penalty.
Canara Swarna LoanCanara Bank	+ 0.95% p.a., effective from 12 March 2026 for Swarna schemes in the reviewed official rate table.	Repo Linked Lending Rate ().	₹5,000 minimum and ₹50 lakh maximum per borrower across Swarna Loan, Swarna , Swarna Express and Swarna Monthly Interest schemes.	Bullet repayment within 12 months from sanction, along with interest.	No income threshold is required or published for this secured gold-loan page resident individuals and are eligible subject to gold appraisal and .	Swarna Loan, Swarna and Swarna Monthly Interest: 0.30% of loan amount, minimum ₹250 and maximum ₹3,000, excluding . Swarna Express has a separate 0.15% band.	No prepayment penalty the loan may be closed during the tenure subject to the scheme terms.
Canara Swarna Monthly Interest LoanCanara Bank	+ 0.95% p.a. for Swarna schemes, as shown in Canara's official rate table.	Repo Linked Lending Rate ().	Up to 75% of appraised gold value ₹5,000 minimum and ₹35 lakh maximum per borrower under the published scheme cap.	Principal is repaid within 12 months from sanction or as a bullet payment on maturity interest is serviced monthly.	No income threshold is published resident individuals and are assessed on pledged gold and .	0.30% of loan amount, minimum ₹250 and maximum ₹3,000, excluding .	No prepayment penalty.
PNB Digital Gold LoanPunjab National Bank	Agriculture: +0.50% up to ₹2.5 lakh and +0.75% above. Retail: +0.85% up to ₹10 lakh and +0.90% above ₹10 lakh.	(Repo Linked Lending Rate) plus the segment and amount spread.	Retail: ₹25,000 to ₹25 lakh per borrower. Agriculture: ₹10,000 to ₹25 lakh.	Agriculture: bullet up to 12 months, up to 36 months or overdraft 12 months subject to renewal. Retail: bullet up to 12 months or up to 36 months.	Not published as a numeric income threshold eligibility is based on the retail/agriculture customer segment and pledged gold.	Retail: 0.30% of loan amount plus or ₹500 plus , whichever is higher. Agriculture: nil up to ₹50,000 ₹500+ up to ₹2 lakh above ₹2 lakh 0.25%+ capped at ₹5,000+.	Not published as a Digital Gold Loan-specific amount on the reviewed page or current gold charge schedule.
PNB Gold LoanPunjab National Bank	Retail gold loan: + 0.85% up to ₹10 lakh and + 0.90% above ₹10 lakh. PNB Swarnim agricultural gold loan: + 0.50% up to ₹2.5 lakh and + 0.75% above ₹2.5 lakh.	(Repo Linked Lending Rate), plus the published gold-loan spread for the facility and amount band.	Retail gold loan: ₹25,000 minimum to ₹25 lakh maximum. PNB Swarnim agricultural gold loan: ₹10,000 minimum to ₹25 lakh maximum.	Bullet demand loan up to 12 months term loan up to 36 months overdraft up to 36 months subject to annual review.	Not published. Eligibility is based on resident-individual or qualifying agricultural activity status and the pledged gold no income threshold is stated.	Retail: 0.30% of loan amount plus or ₹500 plus , whichever is higher documentation charges nil. PNB Swarnim: nil up to ₹50,000, then ₹500 plus up to ₹2.5 lakh, and 0.25% above that subject to ₹5,000 plus maximum.	Not published for the gold-loan variants on the reviewed official page or retail service-charge schedule.
SBI Personal Gold LoanState Bank of India	9.15% p.a. for 12-month bullet 10.10% p.a. for and overdraft variants	The gold-loan links each published rate to 1-year : 12-month bullet is 0.45% above 1-year , is 1.40% above and overdraft is 1.00% above. The current rate table displays 1-year as 8.70%.	₹20,000 for or bullet variants ₹5 lakh for overdraft	36 months for and overdraft 12 months for bullet repayment	Supporting income documents are required for amounts above ₹2.5 lakh.	₹50,000-₹2 lakh: 0.50%, minimum ₹500 above ₹2 lakh-₹25 lakh: 0.30%, minimum ₹1,000 above ₹25 lakh: 0.25%, minimum ₹7,500 and maximum ₹15,000 extra	No prepayment penalty and no foreclosure charge. states that the gold loan may be closed at any point without foreclosure charges.

Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral. It does not account for eligibility, service, exclusions or personal suitability.

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