Personal, home, vehicle & other loans

PNB Digital Gold Loan

A digital loan against pledged gold jewellery or ornaments, from ₹25,000 to ₹25 lakh for retail borrowers and ₹10,000 to ₹25 lakh for agriculture borrowers.

RateAgriculture: RLLR+0.50% up to ₹2.5 lakh and RLLR+0.75% above. Retail: RLLR+0.85% up to ₹10 lakh and RLLR+0.90% above ₹10 lakh.Maximum amountRetail: ₹25,000 to ₹25 lakh per borrower. Agriculture: ₹10,000 to ₹25 lakh.TenureAgriculture: bullet up to 12 months, EMI up to 36 months or overdraft 12 months subject to renewal. Retail: bullet up to 12 months or EMI up to 36 months.

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✓ Manually checked 30 Aug 2026 · active

Offered byPunjab National 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 typeDigital gold loan with agricultural and retail demand-loan, EMI and overdraft variants.View source

The official table lists bullet, and overdraft facilities by segment.

Source: PNB Digital Gold Loan
Page / section: Type Of Credit
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

RateAgriculture: RLLR+0.50% up to ₹2.5 lakh and RLLR+0.75% above. Retail: RLLR+0.85% up to ₹10 lakh and RLLR+0.90% above ₹10 lakh.View source

The official rate table publishes segment, amount and spread tiers.

Source: PNB Digital Gold Loan
Page / section: Rate of Interest
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

BenchmarkRLLR (Repo Linked Lending Rate) plus the segment and amount spread.View source

Every published gold-loan rate is expressed as plus a spread.

Source: PNB Digital Gold Loan
Page / section: Rate of Interest
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

APRNot published as a separate APR percentage or calculation for PNB Digital Gold Loan.View source

The page publishes tiers but no calculation.

Source: PNB Digital Gold Loan — complete rate review
Page / section: Complete rate review
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Minimum incomeNot published as a numeric income threshold; eligibility is based on the retail/agriculture customer segment and pledged gold.View source

The complete page identifies customer segments and gold security without an income floor.

Source: PNB Digital Gold Loan
Page / section: Customer Segment and Eligibility
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Maximum amountRetail: ₹25,000 to ₹25 lakh per borrower. Agriculture: ₹10,000 to ₹25 lakh.View source

The official loan-amount table publishes both segment limits.

Source: PNB Digital Gold Loan
Page / section: Loan Amount
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

TenureAgriculture: bullet up to 12 months, EMI up to 36 months or overdraft 12 months subject to renewal. Retail: bullet up to 12 months or EMI up to 36 months.View source

The official tables publish the segment-specific repayment periods.

Source: PNB Digital Gold Loan
Page / section: Type Of Credit and Tenure
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Processing feeRetail: 0.30% of loan amount plus GST or ₹500 plus GST, whichever is higher. Agriculture: nil up to ₹50,000; ₹500+GST up to ₹2 lakh; above ₹2 lakh 0.25%+GST capped at ₹5,000+GST.View source

The official fee table publishes retail and agriculture tiers; documentation is nil.

Source: PNB Digital Gold Loan
Page / section: Processing fee/Upfront Fee
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Prepayment / foreclosureNot published as a Digital Gold Loan-specific amount on the reviewed page or current gold charge schedule.View source

No digital gold-loan prepayment value is stated in the reviewed sources.

Source: PNB Digital Gold Loan — complete charge review
Page / section: Complete charge review
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

Digital disbursement to the operative account
Retail and agricultural routes
Bullet, and overdraft facilities
Retail margin 28% for / and 32% for bullet
Gold appraiser fee and valuation rules published

Eligibility

Retail route is for a resident individual; agricultural route is for persons engaged in agriculture or allied activities. Existing and new-to-bank customers are listed.

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

Documents the bank lists

and gold ownership evidence
Agriculture/allied-activity documents for the agricultural route
Digital consent and operative-account details

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Loan repayment estimate

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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

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PNB Digi Home Loan · RateHousing table about 7.40–9.30% by /; no separate digital row

This value is copied from PNB digital and specialist loans — published terms. Check the table notes before relying on it.

Source: PNB digital housing, education, Kaushal and gold-loan pages · Digital and specialist retail loans Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 4 rows · 5 columnsPNB digital and specialist loans — published termsCurrent amounts, rates, eligibility, repayment and charges from PNB official pages and shared disclosures.View tableHide table

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PNB digital and specialist loans — published terms
Product	Rate	Amount / eligibility	Tenure	Charges
PNB Digi Home Loan	Housing table about 7.40–9.30% by /; no separate digital row	Up to ₹10 crore; regular income and two-year	Digital page does not publish a separate tenure	Nil processing/documentation
PNB Digital Education Loan	Starting 6.85%; institute-dependent	Need-based; eligible QHEIs; collateral-free route	15 years; course + 1 year moratorium	Nil processing/documentation
PNB Kaushal	9.60%; 9.10% female student	₹5,000–₹7.50 lakh; Indian national and eligible Skill India course	3/5/7 years by amount; 6/12-month moratorium	Nil processing/documentation; nil prepayment
PNB Digital Gold Loan	+0.85/0.90 retail; +0.50/0.75 agriculture	₹25,000–₹25 lakh retail; ₹10,000–₹25 lakh agriculture	12-month bullet; 36-month ; agri 12 months	0.30% or ₹500+ retail; agriculture tiers

PNB digital housing, education, Kaushal and gold-loan pages · Digital and specialist retail loans · accessed 30 Aug 2026Open official source ↗

PNB Digital 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

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