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Cent Gold Loan Scheme

Bullet-repayment demand loan against eligible 18/20/22-karat jewellery or bank-sold gold coins, from ₹10,000 to ₹60 lakh with 68%–78% .

Interest rateThe page links to Central Bank's latest interest-rate table rather than stating a standalone percentage.Loan amount / LTV₹10,000 minimum and ₹60 lakh maximum overall under the retail-and-agriculture-micro (RAM) segment; retail LTV is 68%–78% and margin is 22%–32% by borrower/CIF exposure.Repayment12 months.
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Quick eligibility check

Cent Gold Loan Scheme

0 of 6 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Does your age meet this requirement: Individuals aged 18 or above with KYC-compliant Central Bank accounts?

Published source: Eligibility

2Do you meet this requirement: gold/jewellery shop owners, goldsmiths, appraisers and their close relatives are not eligible?

Published source: Eligibility

3Do you meet this requirement: Exposure above ₹2.50 lakh is assessed on repayment capacity?

Published source: Eligibility

4Does your annual income meet this requirement: borrowers with annual income above ₹10 lakh have CIC extracted for deduction assessment?

Published source: Minimum income

5Does your age meet this requirement: Individuals aged 18+ with KYC-compliant Central Bank accounts?

6Document checkDo you have this required document or proof: KYC/account documents and gold collateral for appraisal; Central Bank's appraiser tests purity and net weight?

Published source: Eligibility
0 of 6 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 6 Sept 2026 · active
Offered byCentral Bank of India

India

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 typeDemand loan with bullet repayment against pledged gold jewellery, ornaments or bank-sold gold coins.View source
Central Bank labels the facility a demand loan with bullet repayment and pledge security.
Source
Cent Gold Loan Scheme
Page / section
Type of Facility and Security
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Loan amount / LTV₹10,000 minimum and ₹60 lakh maximum overall under the retail-and-agriculture-micro (RAM) segment; retail LTV is 68%–78% and margin is 22%–32% by borrower/CIF exposure.View source
The page publishes ₹10,000–₹60 lakh, 68%–78% and 22%–32% margin.
Source
Cent Gold Loan Scheme
Page / section
Quantum, Margin and Loan-to-Value
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
EligibilityIndividuals aged 18 or above with KYC-compliant Central Bank accounts; gold/jewellery shop owners, goldsmiths, appraisers and their close relatives are not eligible. Exposure above ₹2.50 lakh is assessed on repayment capacity.View source
The page states the age/account rule, exclusions and ₹2.50 lakh repayment-capacity threshold.
Source
Cent Gold Loan Scheme
Page / section
Eligibility / Target Group and Loan Eligibility Norms
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
SecurityPledge of 18/20/22-karat gold jewellery or ornaments up to 1,000 grams, or bank-sold gold coins up to 50 grams per person; gold is valued using the lower applicable method and margin.View source
Central Bank publishes purity, weight limits, coin source and valuation method.
Source
Cent Gold Loan Scheme
Page / section
Security and gold-rate calculation
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Repayment12 months.View source
The page specifies 12-month repayment.
Source
Cent Gold Loan Scheme
Page / section
Repayment
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Processing feeNil up to ₹5 lakh. Above ₹5 lakh: 0.30% of loan amount plus GST, capped at ₹5,000; the published validity is through 31 March 2027.View source
Central Bank publishes the nil/0.30% fee split, cap and validity date.
Source
Cent Gold Loan Scheme
Page / section
Processing fee
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Prepayment / foreclosure chargeNil.View source
The page states prepayment/foreclosure charges are nil.
Source
Cent Gold Loan Scheme
Page / section
Prepayment / foreclosure charges
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Minimum incomeNo minimum income threshold is published; borrowers with annual income above ₹10 lakh have CIC extracted for deduction assessment.View source
The page states no minimum score and only identifies the ₹10 lakh income point for deductions.
Source
Cent Gold Loan Scheme
Page / section
score and loan eligibility norms
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Interest rateThe page links to Central Bank's latest interest-rate table rather than stating a standalone percentage.View source
The rate section directs users to the latest rate table.
Source
Cent Gold Loan Scheme
Page / section
Rate of interest
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
APRNot published as a separate APR calculation on the reviewed Cent Gold Loan page.View source
The page links the latest interest rate but does not publish an calculation.
Source
Cent Gold Loan Scheme
Page / section
Complete rate review
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
BenchmarkNot named on the reviewed page; the rate section links to Central Bank's current interest-rate table.View source
No named benchmark is shown in the page text.
Source
Cent Gold Loan Scheme
Page / section
Rate of interest
Accessed
6 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • ₹10,000 minimum and ₹60 lakh maximum
  • 68%–78% retail and 22%–32% margin by exposure
  • 12-month bullet repayment
  • Nil prepayment/foreclosure charge up to the published terms

Eligibility

  • Individuals aged 18+ with -compliant Central Bank accounts; gold/jewellery shop owners, goldsmiths, appraisers and close relatives are excluded.

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

Documents the bank lists

  • /account documents and gold collateral for appraisal; Central Bank's appraiser tests purity and net weight

Related official documents

Cent Gold Loan Schemeofficial-product-page · current · accessed 6 Sept 2026
↗

Plan before applying

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Loan repayment estimate

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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

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Cent Home Loan · Amount / 90% up to ₹30 lakh; 80% to ₹75 lakh; 75% above ₹75 lakh

This value is copied from Central Bank retail loan terms. Check the table notes before relying on it.

Source: Central Bank Retail Loans catalogue · Housing, personal and gold loan product pages Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 3 rows · 5 columnsCentral Bank retail loan termsNumerical and eligibility terms transcribed from Central Bank's current official loan pages.View tableHide table

Scroll sideways to view every column

Central Bank retail loan terms
ProductAmount / TenureFeesSecurity
Cent Home Loan 90% up to ₹30 lakh; 80% to ₹75 lakh; 75% above ₹75 lakhUp to 30 years or age 75; repairs up to 10 years0.50% + , max ₹20,000; waiver through 31 Dec 2026; documentation ₹1,350 + Equitable mortgage
Cent Personal Loan24× gross salary, max ₹20 lakh; minimum gross salary ₹1.80 lakh/year84 in multiples of 121.00% + ; defence nil; documentation ₹270/₹450 + Employer undertaking or guarantor
Cent Gold Loan₹10,000–₹60 lakh; 68%–78%; margin 22%–32%12 months bulletNil up to ₹5 lakh; 0.30% + above, max ₹5,000; nil prepaymentPledge of eligible gold
  • Interest rates are linked to Central Bank's latest rate table; the reviewed pages do not state standalone .
Central Bank Retail Loans catalogue · Housing, personal and gold loan product pages · accessed 6 Sept 2026Open official source ↗

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