Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Maximum financeRetail gold loan: ₹25,000 minimum to ₹25 lakh maximum. PNB Swarnim agricultural gold loan: ₹10,000 minimum to ₹25 lakh maximum.View source
The official table publishes both retail and PNB Swarnim limits.
- Source
- Advance Against Gold Jewellery/Ornaments — PNB
- Page / section
- Quantum of Finance
- Accessed
- 30 Aug 2026
- Confidence
- high
MarginRetail: 32% for bullet demand loan and 28% for EMI term loan or overdraft. PNB Swarnim agricultural gold loan: 15%.View source
The official margin table lists the facility-specific percentages.
- Source
- Advance Against Gold Jewellery/Ornaments — PNB
- Page / section
- Margin
- Accessed
- 30 Aug 2026
- Confidence
- high
TenureBullet demand loan up to 12 months; EMI term loan up to 36 months; overdraft up to 36 months subject to annual review.View source
The official repayment table publishes the 12- and 36-month limits.
- Source
- Advance Against Gold Jewellery/Ornaments — PNB
- Page / section
- Repayment
- Accessed
- 30 Aug 2026
- Confidence
- high
Processing feeRetail: 0.30% of loan amount plus GST or ₹500 plus GST, whichever is higher; documentation charges nil. PNB Swarnim: nil up to ₹50,000, then ₹500 plus GST up to ₹2.5 lakh, and 0.25% above that subject to ₹5,000 plus GST maximum.View source
The official charges table publishes retail and agricultural fee tiers and nil documentation charges.
- Source
- Advance Against Gold Jewellery/Ornaments — PNB
- Page / section
- Charges
- Accessed
- 30 Aug 2026
- Confidence
- high
Loan typeGold loanView source
The official product name identifies this as “PNB Gold Loan”.
- Source
- PNB Gold Loan — official product page
- Page / section
- Official product name and loan classification
- Accessed
- 30 Aug 2026
- Confidence
- high
RateRetail gold loan: RLLR + 0.85% up to ₹10 lakh and RLLR + 0.90% above ₹10 lakh. PNB Swarnim agricultural gold loan: RLLR + 0.50% up to ₹2.5 lakh and RLLR + 0.75% above ₹2.5 lakh.View source
The official rate table publishes the spreads by purpose and loan amount.
- Source
- Advance Against Gold Jewellery/Ornaments — PNB
- Page / section
- Rate of Interest
- Accessed
- 30 Aug 2026
- Confidence
- high
BenchmarkRLLR (Repo Linked Lending Rate), plus the published gold-loan spread for the facility and amount band.View source
The official table expresses both retail and agricultural gold-loan rates as plus a spread.
- Source
- Advance Against Gold Jewellery/Ornaments — PNB
- Page / section
- Rate of Interest
- Accessed
- 30 Aug 2026
- Confidence
- high
Minimum incomeNot published. Eligibility is based on resident-individual or qualifying agricultural activity status and the pledged gold; no income threshold is stated.View source
The complete eligibility section specifies applicant categories and pledged collateral, not income.
- Source
- Advance Against Gold Jewellery/Ornaments — PNB
- Page / section
- Eligibility
- Accessed
- 30 Aug 2026
- Confidence
- high
APRNot published as a separate APR percentage or calculation for the retail or PNB Swarnim gold-loan variants.View source
The page publishes spreads and fees but no calculation.
- Source
- Advance Against Gold Jewellery/Ornaments — PNB
- Page / section
- Complete rate and charge review
- Accessed
- 30 Aug 2026
- Confidence
- high
Prepayment / foreclosureNot published for the gold-loan variants on the reviewed official page or retail service-charge schedule.View source
The complete charges and repayment sections specify processing, valuation and safe-keeping charges but no prepayment amount.
- Source
- Advance Against Gold Jewellery/Ornaments — PNB
- Page / section
- Complete charge review
- Accessed
- 30 Aug 2026
- Confidence
- high
Benefits and features
- Retail gold loan from ₹25,000 to ₹25 lakh
- Agricultural PNB Swarnim loan from ₹10,000 to ₹25 lakh
- Bullet repayment up to 12 months or /
variants up to 36 months - Gold appraiser and valuation process published by PNB
Eligibility
- Retail route is for a resident individual; PNB Swarnim covers farmers and persons engaged in qualifying agricultural or allied activities.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- and ownership evidence for pledged gold
- Agricultural activity documents where PNB Swarnim applies
Related official documents
Advance Against Gold Jewellery/Ornaments — PNBofficial-product-page · current · accessed 30 Aug 2026
↗Interest Rate on Retail Advances — PNBofficial-page-and-pdf · current · accessed 30 Aug 2026
↗Services Charges Related to Retail Advances — PNBofficial-product-page · current · accessed 30 Aug 2026
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