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Personal, home, vehicle & other loans

against Gold Jewels

A revolving overdraft limit secured by pledged gold jewellery, with 75% value-based financing or the per-gram advance value, whichever is lower.

Interest rate8.50%–8.80% p.a. floating for the non-priority OD against Gold Jewels row in Indian Bank's current rate table dated 14 August 2026.Maximum amount₹25,000 minimum and ₹10 lakh maximum overdraft limit; eligible amount is the lower of 75% of market value of pledged jewels and the per-gram advance value.Repayment tenureThe overdraft is renewed within one year of original or latest sanction, with withdrawals permitted within the limit and interest serviced as charged.
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Quick eligibility check

against Gold Jewels

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.

1Do you meet this requirement: The OD is secured by pledged jewels and is assessed against the published value and per-gram advance rules?

Published source: Minimum income

2Do you meet this requirement: General public, women applicants and the listed COVID-warrior/public-service groups including healthcare professionals, sanitation staff, police/home guards, Anganwadi/ASHA, Dak Sewak, fire staff, ex-servicemen and NSS volunteers?

Published source: Eligibility

3Does your age meet this requirement: Minimum entry age is 21 years?

Published source: Eligibility

4Do you meet this requirement: the applicant bears the appraiser fee?

Published source: Required documents

5Does your age meet this requirement: Minimum entry age 21 years?

6Document checkDo you have this required document or proof: Duly filled application?

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: Pledged gold jewellery?

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 typeRevolving overdraft secured by pledged gold jewellery.View source
The page describes an overdraft limit against pledged gold jewels instead of a term loan.
Source
against Gold Jewels — Indian Bank
Page / section
Title; Security
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Interest rate8.50%–8.80% p.a. floating for the non-priority OD against Gold Jewels row in Indian Bank's current rate table dated 14 August 2026.View source
The current rate table lists the -against-gold-jewels range at 8.50% to 8.80% p.a.
Source
Interest Rates on Personal Segment Loan Products: Floating — Indian Bank
Page / section
Jewel Loan (Non-Priority) — against Gold Jewels
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
BenchmarkThe OD-against-gold-jewels 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 range without a named benchmark.
Source
Indian Bank gold-jewel rate review
Page / section
against Gold Jewels rate row
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
APRNo separate APR percentage or APR calculation is published on the OD-against-gold-jewels page or current floating-rate table.View source
The reviewed sources publish the interest rate but no calculation.
Source
Indian Bank gold-jewel review
Page / section
Interest Rate; complete facility table
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNo income threshold is published. The OD is secured by pledged jewels and is assessed against the published value and per-gram advance rules.View source
The official page publishes a secured valuation formula and no salary or income floor.
Source
against Gold Jewels — Indian Bank
Page / section
Eligibility; Quantum of loan
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Maximum amount₹25,000 minimum and ₹10 lakh maximum overdraft limit; eligible amount is the lower of 75% of market value of pledged jewels and the per-gram advance value.View source
The quantum section publishes the 75% formula and ₹25,000–₹10 lakh range.
Source
against Gold Jewels — Indian Bank
Page / section
Quantum of loan
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Repayment tenureThe overdraft is renewed within one year of original or latest sanction, with withdrawals permitted within the limit and interest serviced as charged.View source
The page states renewal within one year and describes the overdraft servicing mechanics.
Source
against Gold Jewels — Indian Bank
Page / section
Repayment; Renewal of account
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Processing feeNil under the current Indian Bank schedule for OD against Gold Jewels.View source
The current schedule lists NIL processing fee for against Gold Jewels.
Source
Processing Fee on Personal Segment Loan Products — Indian Bank
Page / section
against Gold Jewels
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNo separate prepayment or foreclosure charge is stated for this overdraft in the complete current product page or linked fee schedule.View source
The reviewed sources state renewal and processing fee but no separate prepayment amount.
Source
Indian Bank gold-jewel prepayment review
Page / section
Complete facility table; current processing-fee schedule
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
EligibilityGeneral public, women applicants and the listed COVID-warrior/public-service groups including healthcare professionals, sanitation staff, police/home guards, Anganwadi/ASHA, Dak Sewak, fire staff, ex-servicemen and NSS volunteers. Minimum entry age is 21 years.View source
The official eligibility section enumerates the public-service groups and minimum age.
Source
against Gold Jewels — Indian Bank
Page / section
Eligibility; Age
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Required documentsDuly filled application, identity proof, address proof and gold jewellery to be pledged; the applicant bears the appraiser fee.View source
The official document list names the application, identity/address proof and pledged jewels, and states appraiser fee is borne by the applicant.
Source
against Gold Jewels — Indian Bank
Page / section
Appraiser Fee; Documents required
Accessed
31 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • ₹25,000 minimum and ₹10 lakh maximum overdraft limit
  • 75% of market value or per-gram advance value, whichever is lower
  • Rupay card and personalised cheque-book add-ons
  • Interest serviced as charged; withdrawals allowed within sanctioned limit
  • Annual renewal with re-assessment of pledged-jewel value

Eligibility

  • Minimum entry age 21 years; any purpose other than speculation is permitted.
  • Eligible groups include the general public, women applicants, healthcare and sanitation staff, police/home guards, Anganwadi/ASHA, Dak Sewak, fire staff, ex-servicemen and NSS volunteers.

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

Documents the bank lists

  • Duly filled application
  • Identity proof
  • Address proof
  • Pledged gold jewellery

Related official documents

OD against Gold Jewels — 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.

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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.

Eligibility / age · Published detailGeneral public, women and listed public-service groups; minimum entry age 21.

This value is copied from against Gold Jewels — published terms. Check the table notes before relying on it.

Source: against Gold Jewels — Indian Bank · Complete facility table; 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 columnsOD against Gold Jewels — published termsCurrent Indian Bank gold-jewel overdraft eligibility, limit, value formula, renewal, documents and charges.View tableHide table

Scroll sideways to view every column

OD against Gold Jewels — published terms
ParameterPublished detail
Eligibility / ageGeneral public, women and listed public-service groups; minimum entry age 21.
PurposeAny purpose other than speculative use.
Limit₹25,000 minimum to ₹10 lakh maximum; lower of 75% market value or per-gram advance value.
RepaymentInterest serviced as charged; withdrawals within limit; renewal within one year with re-assessment.
Rate8.50%–8.80% p.a. floating for non-priority against Gold Jewels.
Processing feeNil.
SecurityPledge of gold jewels; appraiser fee borne by applicant.
Add-onsRupay card and personalised cheque book.
PrepaymentNo separate charge stated on reviewed current sources.
DocumentsApplication, identity proof, address proof and pledged gold jewels.
against Gold Jewels — Indian Bank · Complete facility table; current rate/fee schedules · accessed 31 Aug 2026Open official source ↗

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