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Business, & agriculture finance

Multi Purpose Agricultural Gold Loan

Demand gold loan for crop, investment and allied-agriculture needs, from ₹5,000 to ₹25 lakh, repayable within 12 months.

Loan amount₹5,000 to ₹25 lakhInterest rate1-year MCLR + 0.15%, stated as 8.85% p.a.Customer typeOwner-cultivators, tenant farmers, oral lessees, sharecroppers, agri entrepreneurs and allied-activity borrowers
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Quick eligibility check

Multi Purpose Agricultural Gold Loan

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.

1Do you meet this requirement: Owner cultivators, agri entrepreneurs, tenant farmers, oral lessees, sharecroppers and persons engaged in agriculture or allied activities?

Published source: Eligibility

2Do you meet this requirement: Owner-cultivators, tenant farmers, oral lessees, sharecroppers, agri entrepreneurs and allied-activity borrowers?

Published source: Customer type

3Do you meet this requirement: Two borrower photographs?

Published source: Documents

4Do you meet this requirement: application?

Published source: Documents

5Do you meet this requirement: evidence of landholding or allied activity?

Published source: Documents

6Document checkDo you have at least one of these required documents: Two borrower photographs; application; evidence of landholding or allied activity; other documents as sanctioned?

Published source: Documents
0 of 6 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 4 Sept 2026 · active
Offered byState 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 amount₹5,000 to ₹25 lakhEffective 15 Jul 2026View source
Minimum Rs 5,000; maximum Rs 25,00,000.
Source
Multi Purpose Gold Loan Scheme
Page / section
Loan Amount
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
FacilityDemand loan against pledged gold ornaments; quantum based on advance value per gram by purityEffective 15 Jul 2026View source
Type of facility: Demand Loan; basis of advance value of gold ornaments for 24/22/20/18 carats.
Source
Multi Purpose Gold Loan Scheme
Page / section
Features
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Repayment12 months from date of disbursementEffective 15 Jul 2026View source
Repayment: 12 months from date of disbursement.
Source
Multi Purpose Gold Loan Scheme
Page / section
Features
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Interest rate1-year MCLR + 0.15%, stated as 8.85% p.a.Effective 15 Jul 2026View source
Interest Rate: One Year rate + 0.15% i.e. 8.85% p.a.
Source
Multi Purpose Gold Loan Scheme
Page / section
Interest, Fees and Charges
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
EligibilityOwner cultivators, agri entrepreneurs, tenant farmers, oral lessees, sharecroppers and persons engaged in agriculture or allied activitiesEffective 15 Jul 2026View source
Eligibility includes owner cultivators, agri entrepreneurs, tenant farmers, oral lessees, sharecroppers and allied-activity borrowers.
Source
Multi Purpose Gold Loan Scheme
Page / section
Eligibility
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Processing chargesNil up to ₹50,000; 0.50% (minimum ₹500) above ₹50,000 to ₹2 lakh; 0.30% (minimum ₹1,000) above ₹2 lakh, plus GSTEffective 15 Jul 2026View source
Processing charges: up to ₹50,000 nil; above ₹50,000 to ₹2 lakh 0.50% minimum ₹500 + ; above ₹2 lakh 0.30% minimum ₹1,000 + .
Source
Multi Purpose Gold Loan Scheme
Page / section
Interest, Fees and Charges
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Turnover / vintageNo turnover or business-vintage threshold is published on the complete reviewed official product pageView source
The reviewed pages state customer, activity, land, group, credit-score and account conditions where applicable, but do not publish a turnover or business-vintage threshold for these products.
Source
agriculture product catalogue and linked official product pages
Page / section
Complete product-page review; eligibility and features
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
SecurityPledge of gold ornamentsEffective 15 Jul 2026View source
Security: pledge of gold ornaments.
Source
Multi Purpose Gold Loan Scheme
Page / section
Features — Security
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Geographic limitsIndiaView source
The manually reviewed product record states: “India”.
Source
Multi Purpose Agricultural Gold Loan — official product page
Page / section
Published product metadata
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Customer typeOwner-cultivators, tenant farmers, oral lessees, sharecroppers, agri entrepreneurs and allied-activity borrowersView source
The manually reviewed product record states: “Owner-cultivators, tenant farmers, oral lessees, sharecroppers, agri entrepreneurs and allied-activity borrowers”.
Source
Multi Purpose Agricultural Gold Loan — official product page
Page / section
Published product metadata
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
DocumentsTwo borrower photographs; application; evidence of landholding or allied activity; other documents as sanctionedView source
The manually reviewed product record states: “Two borrower photographs; application; evidence of landholding or allied activity; other documents as sanctioned”.
Source
Multi Purpose Agricultural Gold Loan — official product page
Page / section
Published product metadata
Accessed
4 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • ₹5,000–₹25 lakh
  • 12-month repayment
  • Gold ornaments pledged as security
  • 8.85% p.a. stated rate

Eligibility

  • Farmers, tenant farmers, oral lessees, sharecroppers and persons engaged in agriculture or allied activities.

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

Documents the bank lists

  • Two borrower photographs; application; evidence of landholding or allied activity; other documents as sanctioned

Related official documents

Multi Purpose Gold Loan Schemeofficial-product-page · current · accessed 4 Sept 2026
↗

Plan before applying

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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₹22,253twenty-two thousand two hundred fifty-three rupees
Interest paid over the full loan₹28,40,610twenty-eight lakh forty thousand six hundred ten rupees
Everything you repay₹53,40,610fifty-three lakh forty thousand six hundred ten 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.

DAY-NRLM Finance · Published amount/limit₹1.50–₹20 lakh

This value is copied from additional agriculture catalogue products — page tables. Check the table notes before relying on it.

Source: agriculture product catalogue and linked official product pages · Agriculture catalogue — Micro Credit, Gold Loan, Farm Mechanisation, Allied Activities and Miscellaneous Activities Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 11 rows · 5 columnsSBI additional agriculture catalogue products — page tablesStructured transcription of every numeric term, eligibility rule, fee, rate, security and payment condition published on the reviewed product pages.View tableHide table

Scroll sideways to view every column

SBI additional agriculture catalogue products — page tables
ProductPublished amount/limitRate and feesTenure/paymentEligibility/security
DAY-NRLM Finance₹1.50–₹20 lakh7% to 10.40% p.a.; nil chargesTerm 24–84 months; cash credit 12 monthsRural DAY-NRLM active 6 months; no collateral; margin up to 10% above ₹10 lakh
Co-lending individual ₹10,000–₹3 lakh10.50% fixed minimum + servicer fee; 10.50–20.00%; nil charges12–36 months incl. 1-month moratoriumSimilar-member ; nil margin and security
Direct Linkage to ₹50,000–₹20 lakh14% p.a.; no processing/documentation/inspection fee up to ₹5 lakhTerm 24–60 months; cash credit 36 months6-month , grading/corpus; collateral nil; margin 10% above ₹10 lakh
Finance₹60,000–₹10 lakh12% fixed p.a.; nil charges12–36 months incl. 1-month moratoriumSimilar-member ; nil margin and security
Multi Purpose Agricultural Gold Loan₹5,000–₹25 lakh8.85% p.a.; processing nil to ₹50,000, then 0.50%/0.30% tiers + 12 monthsFarmers/allied borrowers; pledge of gold ornaments
Combine Harvester Loan₹5–₹35 lakh1-year + 3.50%; 1.50% processing feeHalf-yearly principal-equated instalments; maximum tenure not stated20% margin; land and credit-score rules; documents listed
Animal Husbandry & FisheriesNo minimum ceiling; below ₹50 lakh7% up to ₹2 lakh; effective 4% with prompt repayment; nil to ₹3 lakh then 0.65% + Working-capital cash creditFishery/livestock farmers and groups; collateral waiver up to ₹2 lakh or ₹3 lakh with tie-up
Agri Clinic and Agri Business Centres₹20 lakh individual; ₹1 crore group1-year + 2% up to ₹50 lakh; processing nil to ₹2 lakh then 1.40% + Up to 10 years incl. 24-month moratoriumAge 18–60 eligible agri qualifications; subsidy subject to terms
Polyhouse Loan₹1 lakh–₹5 crore + 2% up to ₹50 lakh; processing as guidelines72 months incl. 12-month moratorium15% margin; assured irrigation; collateral nil up to ₹1.60 lakh
Cold Storage/Warehouse Construction₹1 lakh–₹50 crore1-year + 2% up to ₹50 lakh120 months incl. 24-month moratorium; half-yearly instalments25% margin; broad entity eligibility; published collateral tiers
Rinn Samadhan 2025–26Agri cut-offs ₹10–₹20 lakh5% early-bird incentive; interest/expense concessions10% + 10% + balance within 90 days; scheme ends 31 Mar 2026Specified only; fraud/wilful-default/NCLT and other exclusions
  • Rows preserve the official page values; where a page explicitly gives no numeric maximum (Combine Harvester tenure), that absence is retained rather than inferred.
agriculture product catalogue and linked official product pages · Agriculture catalogue — Micro Credit, Gold Loan, Farm Mechanisation, Allied Activities and Miscellaneous Activities · accessed 4 Sept 2026Open official source ↗

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