Gold Loan Eligibility
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It is a loan secured against the gold ornaments/Bank coins which a customer pledges with the bank. The loan amount can be utilized for personal/business & any other non-speculative purposes. It’s a loan which can be availed quickly and easily instead of going to Pawn broker with higher rate of interest
Only wearable gold ornaments from 18 k to 22 karat and only bank minted coins (24 Karat) up to 50 gms per customer can be funded Non funded items such as hair pins ,Cuff lings ,Gold watch, Gold strap, Gold idols, Gold utensils cannot be accepted, jewellery not more than 50% deduction, Thread mangalsutra,White gold, Diamond jewellery,Imitation jewellery,Ginni,Gold bars .
Along with fulfilling the eligibility criteria, Minimal documentation is required for the gold loan to get approved. You need to show a valid ID proof , address proof with 3 latest Passport size colour photos as the basic gold loan documentation prerequisites ITR need to be submitted if availing gold loan Rs 25 lakh and above
The customer need not be an existing customer of the bank.
Bullet Scheme Tenure 12 Months (Can be renewed for more 24 Months with the same document with request letter etc.) ,Interest Payment can be Qtrly /Half Yrly and Yearly
