Personal, home, vehicle & other loans

Bank of India Gold Loan

A BOI loan against pledged gold jewellery, ornaments or coins for agriculture, business or consumption, with finance up to 85% of gold value and a ₹30 lakh maximum.

Interest rateActivity-based pricing is published as: Agriculture at 1 Year MCLR + BSS 0.15%; Agriculture–Food & Agro at RBLR + BSP 0.25%; MSME at RBLR + BSP 0.65%; Retail at RBLR + BSP 1.05%. The page does not show a single present rupee-rate percentage for all activity types.Maximum financeLoan-to-value is up to 85% of gold value. Minimum loan amount is ₹20,000 and maximum loan amount is ₹30 lakh.Maximum amountA BOI loan against pledged gold jewellery, ornaments or coins for agriculture, business or consumption, with finance up to 85% of gold value and a ₹30 lakh maximum.

Official product page ↗Compare category

✓ Manually checked 30 Aug 2026 · active

Offered byBank of India

India; subject to branch valuation and BOI terms

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Loan type / purposeSecured loan against pledged gold jewellery, ornaments or coins for agriculture-related activity, business-related activity or consumption needs; overdraft facility is available.View source

The official page lists pledged gold security, agriculture/business/consumption purposes and overdraft availability.

Source: Gold Loan — Bank of India
Page / section: Features / Purpose
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Maximum financeLoan-to-value is up to 85% of gold value. Minimum loan amount is ₹20,000 and maximum loan amount is ₹30 lakh.View source

The official quantum section publishes ₹20,000 minimum, ₹30 lakh maximum and 85% of gold value.

Source: Gold Loan — Bank of India
Page / section: Eligibility / Quantum of finance
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

The official rate table gives four activity-specific benchmark formulas; no universal present percentage is stated.

Source: Gold Loan — Bank of India
Page / section: Interest Rates
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Maximum tenureNo 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.View source

The reviewed page publishes quantum and charges but not a repayment-period number.

Source: Gold Loan — Bank of India
Page / section: Features / Eligibility / Charges
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Processing feeIncluding 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 GST is extra.View source

The annexure’s table publishes five loan-limit processing bands and says is over and above the charges.

Source: Annexure — Service Charges Under Gold Loan
Page / section: Proposal processing charges table
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Prepayment / closureNo pre-closure charges are published for the Gold Loan.View source

The official feature list states no pre closure charges.

Source: Gold Loan — Bank of India
Page / section: Features / Advantages
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

EligibilityAny individual who is the lawful owner of gold jewellery, ornaments or coins. Agriculture-allied loans above ₹2.50 lakh additionally require land-holding particulars.View source

The eligibility section requires lawful ownership of gold and adds a land-particular condition for specified agricultural loans.

Source: Gold Loan — Bank of India
Page / section: Eligibility / Before applying
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Minimum incomeNo income or salary threshold is published; the loan is secured by pledged gold and the stated purpose/ownership conditions.View source

The reviewed eligibility section requires lawful gold ownership and , not a minimum income amount.

Source: Gold Loan — Bank of India
Page / section: Eligibility
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

BenchmarkActivity-specific benchmarks are 1 Year MCLR for agriculture and RBLR for Agriculture–Food & Agro, MSME and retail, with published BSS/BSP spreads.View source

The official rate table names /RBLR and the four spreads.

Source: Gold Loan — Bank of India
Page / section: Interest Rates
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Other chargesAgricultural Gold Loan land-record fetching/verification is ₹50 per account or record. Safe-keeping after 30 days from prescribed-tenure expiry or closure: up to ₹50,000 nil; above ₹50,000 to ₹5 lakh ₹150 per month or part; above ₹5 lakh ₹300 per month or part. Annual review charges equal the original processing charge if the loan is not repaid on time.View source

The service-charge annexure publishes safe-keeping bands, annual-review rule and ₹50 land-record verification charge.

Source: Annexure — Service Charges Under Gold Loan
Page / section: Safe keeping / Annual review / Land verification tables
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

APRNo separate APR figure or methodology is published.View source

Activity-based formulas and charges are published, but no calculation is provided.

Source: Gold Loan — Bank of India
Page / section: Interest Rates / Charges
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

TenureNo 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.View source

The reviewed page publishes quantum and charges but not a repayment-period number. This is the issuer-published maximumTenure value shown under the comparison field “Tenure”.

Source: Gold Loan — Bank of India
Page / section: Features / Eligibility / Charges — comparison field: Tenure
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Maximum amountA BOI loan against pledged gold jewellery, ornaments or coins for agriculture, business or consumption, with finance up to 85% of gold value and a ₹30 lakh maximum.View source

The manually reviewed product summary states: “A BOI loan against pledged gold jewellery, ornaments or coins for agriculture, business or consumption, with finance up to 85% of gold value and a ₹30 lakh maximum.”.

Source: Bank of India Gold Loan — official product page
Page / section: Published loan terms in product summary
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

Up to 85% of gold value
₹20,000 to ₹30 lakh loan range
No pre-closure charges published
Overdraft facility

Eligibility

Lawful gold owner; land particulars required for specified agricultural loans above ₹2.50 lakh.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

, identity/address proof, pledged gold and land-holding particulars for specified agriculture purposes.

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees

Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees

Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Parameter

/ quantum · Published detailUp to 85% of gold value; ₹20,000 minimum to ₹30 lakh maximum

This value is copied from Bank of India Gold Loan — published terms. Check the table notes before relying on it.

Source: Gold Loan — Bank of India · Features / Eligibility / Interest Rates / Charges / Service-charge annexure Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 8 rows · 2 columnsBank of India Gold Loan — published termsOfficial page and service-charge annexure tables.View tableHide table

Scroll sideways to view every column

Bank of India Gold Loan — published terms
Parameter	Published detail
/ quantum	Up to 85% of gold value; ₹20,000 minimum to ₹30 lakh maximum
Purpose	Agriculture, business or consumption; overdraft available
Rates	Agriculture 1 Year + 0.15%; Food & Agro RBLR + 0.25%; RBLR + 0.65%; Retail RBLR + 1.05%
Processing	Nil to ₹50,000; then ₹250/₹500/₹1,000/₹1,500 by limit band; extra
Pre-closure	No pre-closure charges published
Safe keeping	Nil up to ₹50,000; ₹150/month above ₹50,000 to ₹5 lakh; ₹300/month above ₹5 lakh
Land verification	₹50 per account/record for agricultural gold loan
Tenure	Not published on reviewed page/annexure

Gold Loan — Bank of India · Features / Eligibility / Interest Rates / Charges / Service-charge annexure · accessed 30 Aug 2026Open official source ↗

Bank of India Gold Loan

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

Related products

Star Education Loan — Studies Abroad

Star Education Loan — Studies in India

Star Education Loan — Working Professionals

Star Home Loan