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Personal, home, vehicle & other loans

Jewel Loan

Term-loan or overdraft finance against pledged gold jewellery for domestic, medical, family and other non-speculative needs, with customer-level ceilings and published bands.

Interest rateJewel Loan (Non-Priority) term loan with bullet repayment: 9.10% p.a. floating in Indian Bank's current rate table dated 14 August 2026. The current table lists the separate OD-against-gold-jewels rate under the OD product.Maximum amountRetail jewel loans are capped at ₹25 lakh per customer, with an aggregate customer ceiling of ₹50 lakh across the published agriculture/retail/MSME jewel-loan limits. Up to five jewel loans may be held at one time.Repayment tenureBullet repayment: maximum 12 months, repaid at the end of the 12th month with accrued interest. EMI repayment: maximum 35 months, with EMIs beginning in the month after disbursement.
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Quick eligibility check

Jewel Loan

0 of 9 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 annual income meet this requirement: No rupee minimum income is published?

Published source: Minimum income

2Do you meet this requirement: General public, women applicants, senior citizens and Indian Bank staff?

Published source: Eligibility

3Do you meet this requirement: existing and new customers?

Published source: Eligibility

4Does your age meet this requirement: Entry age is 21 years and exit age is 70 years?

Published source: Eligibility

5Does your annual income meet this requirement: Gold must be pledged and the stated income-assessment rules apply?

Published source: Eligibility

6Document checkDo you have this required document or proof: Application form?

Published source: Required documents

7Document checkDo you have this required document or proof: Identity proof?

Published source: Required documents

8Document checkDo you have this required document or proof: Address proof?

Published source: Required documents

9Document checkDo you have this required document or proof: Income proof for loans above ₹2.50 lakh?

Published source: Required documents
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 31 Aug 2026 · active
Offered byIndian Bank

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 typeSecured term loan or overdraft against pledged gold jewellery.View source
The official particulars table identifies term loan and overdraft facilities secured by pledged jewels.
Source
Jewel Loan — Indian Bank
Page / section
Nature of facility; Security
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Interest rateJewel Loan (Non-Priority) term loan with bullet repayment: 9.10% p.a. floating in Indian Bank's current rate table dated 14 August 2026. The current table lists the separate OD-against-gold-jewels rate under the OD product.View source
The current Jewel Loan table lists 9.10% for the non-priority term loan with bullet repayment.
Source
Interest Rates on Personal Segment Loan Products: Floating — Indian Bank
Page / section
Jewel Loan
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
BenchmarkThe Jewel Loan term row is labelled floating but the current official table does not identify a named benchmark or spread.View source
The official row publishes the floating percentage without a named benchmark.
Source
Indian Bank Jewel Loan rate review
Page / section
Jewel Loan term row
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
APRNo separate APR percentage or APR calculation is published on the Jewel Loan page or current floating-rate table.View source
The reviewed sources publish an interest rate but no calculation.
Source
Indian Bank Jewel Loan review
Page / section
Interest Rate; complete particulars table
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNo rupee minimum income is published. For retail jewel loans up to ₹2.50 lakh, the bank may use the borrower's income declaration or proof; above ₹2.50 lakh, valid ITR, Form 16 or other income proof is mandatory with detailed repayment-capacity assessment.View source
The assessment section sets the ₹2.50-lakh documentation threshold rather than a minimum salary.
Source
Jewel Loan — Indian Bank
Page / section
Assessment; Retail Jewel Loans
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Maximum amountRetail jewel loans are capped at ₹25 lakh per customer, with an aggregate customer ceiling of ₹50 lakh across the published agriculture/retail/MSME jewel-loan limits. Up to five jewel loans may be held at one time.View source
The customer-ceiling table publishes retail ₹0.25 crore and overall ₹0.50 crore limits, with a maximum of five loans.
Source
Jewel Loan — Indian Bank
Page / section
Maximum no. & amount of Jewel Loans per customer
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Repayment tenureBullet repayment: maximum 12 months, repaid at the end of the 12th month with accrued interest. EMI repayment: maximum 35 months, with EMIs beginning in the month after disbursement.View source
The repayment rows publish separate bullet and tenors.
Source
Jewel Loan — Indian Bank
Page / section
Repayment Period
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Processing feeNil under the current Indian Bank schedule for Jewel Loan (Non-Priority).View source
The current schedule lists NIL processing fee for Jewel Loan (Non-Priority).
Source
Processing Fee on Personal Segment Loan Products — Indian Bank
Page / section
Jewel Loan (Non-Priority)
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureThe current Jewel Loan page and linked fee schedule do not state a separate prepayment or foreclosure charge.View source
The complete current sources were reviewed; no separate prepayment amount is stated.
Source
Indian Bank Jewel Loan prepayment review
Page / section
Complete particulars table; current processing-fee schedule
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
EligibilityGeneral public, women applicants, senior citizens and Indian Bank staff; existing and new customers. Entry age is 21 years and exit age is 70 years. Gold must be pledged and the stated income-assessment rules apply.View source
The official particulars table publishes target groups, age and existing/new customer eligibility.
Source
Jewel Loan — Indian Bank
Page / section
Target Group; Age; Eligibility
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Required documentsApplication form, identity proof, address proof, pledged gold jewellery and income proof such as ITR or Form 16 when the loan exceeds ₹2.50 lakh.View source
The page names the application/income-proof requirements and the pledged jewellery security.
Source
Jewel Loan — Indian Bank
Page / section
Assessment; Security; application
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Geographic limitsGeneral public, women applicants, senior citizens and Indian Bank staff; existing and new customers. Entry age is 21 years and exit age is 70 years. Gold must be pledged and the stated income-assessment rules apply.View source
The manually reviewed product record states: “General public, women applicants, senior citizens and Indian Bank staff; existing and new customers. Entry age is 21 years and exit age is 70 years. Gold must be pledged and the stated income-assessment rules apply.”.
Source
Jewel Loan — official product page
Page / section
Published product metadata
Accessed
31 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Up to five jewel loans per customer across retail, agriculture and
  • Retail ceiling ₹25 lakh per customer; aggregate customer ceiling ₹50 lakh including agricultural exposure
  • Bullet, and overdraft repayment options
  • Published bands by loan size and jewellery tenure

Eligibility

  • Entry age 21 years and exit age 70 years; both existing and new customers are eligible.
  • Loans above ₹2.50 lakh require valid income proof and a detailed repayment-capacity assessment; up to ₹2.50 lakh can use the borrower's income declaration or proof.

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

Documents the bank lists

  • Application form
  • Identity proof
  • Address proof
  • Income proof for loans above ₹2.50 lakh
  • Pledged eligible gold jewellery

Related official documents

Jewel Loan — Indian Bank official product pageofficial-product-page · current · accessed 31 Aug 2026
↗
Processing Fee on Personal Segment Loan Products — Indian Bankofficial-fee-schedule · current · accessed 31 Aug 2026
↗
Interest Rates on Personal Segment Loan Products: Floating — Indian Bankofficial-rate-table · current · accessed 31 Aug 2026
↗

Plan before applying

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.

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.

Target group / age · Published detailGeneral public, women, senior citizens and Indian Bank staff; existing and new customers; entry 21, exit 70.

This value is copied from Jewel Loan — published terms. Check the table notes before relying on it.

Source: Jewel Loan — Indian Bank · Complete particulars, and assessment tables; current rate/fee schedules Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 10 rows · 2 columnsJewel Loan — published termsCurrent Indian Bank Jewel Loan target groups, customer ceilings, income assessment, LTV, tenure and charges.View tableHide table

Scroll sideways to view every column

Jewel Loan — published terms
ParameterPublished detail
Target group / ageGeneral public, women, senior citizens and Indian Bank staff; existing and new customers; entry 21, exit 70.
Facility / purposeTerm loan or overdraft for domestic, consumption, family, medical and other non-speculative needs.
Customer ceilingMaximum five jewel loans; retail ₹25 lakh per customer; aggregate customer ceiling ₹50 lakh across published verticals.
Income assessmentUp to ₹2.50 lakh may use declaration or income proof; above ₹2.50 lakh requires /Form 16/other valid proof and detailed assessment.
/ advance valueUp to ₹2.50 lakh: 80%–85% trigger bands; ₹2.50–₹5 lakh: 75%–80%; above ₹5 lakh: 70%–75%, depending on jewellery tenure.
RepaymentBullet maximum 12 months; maximum 35 months.
RateTerm loan with bullet repayment 9.10% p.a. floating.
Processing feeNil for Jewel Loan (Non-Priority).
PrepaymentNo separate charge stated on reviewed current sources.
DocumentsApplication, identity/address proof, income proof above ₹2.50 lakh and pledged gold jewellery.
Jewel Loan — Indian Bank · Complete particulars, and assessment tables; current rate/fee schedules · accessed 31 Aug 2026Open official source ↗

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