Gold Loan – Features

PRODUCTS SOD against Gold Loan - Other Priority Gold Loan -Non Priority Swarna Shakti Loan MSME Gold Loan
Krishi Kamdhenu Agri Gold Loan Sector (MSME) Sector (RETAIL)
PARAMETER Ornaments scheme plus
SOD against gold ornaments
Loan Scheme Gold Loan- Oth priority - Gold Loan -Non Priority -
UKKGL for Selected Branches- Gold Loan Agri - TLU04 USSLS UMGLP
code TLU13 TLU03
ODGLD
Finance to MSME units -
Meeting Crop production Requirements of the trading/ services/
SOD for Agriculture & allied educational purposes manufacturing - working
Finance to Agriculture, Allied expenses/creation of assets
Purpose of Gold Activities, Food & Agro
activities, Business activities,
to be used in farming, allied
All eligible purposes under All Gold loans other than construction/purchase of capital requirements, petty
Consumption purposes and priority sectors priority sector dwelling units. trade, for expansion of
Loan Processing Activities activities, dairy, poultry, On a declaration by the business units etc.
Contingencies
fisheries, etc. borrower On a declaration by the
borrower
MSME including Proprietorship
Individual either Singly or Jointly
Individual either Singly or firm, Business owners, Women
against Gold Ornaments &
KYC/AML norms to be complied Individual either Singly or Individual either Singly or Individual either Singly or Individual either Singly Entrepreneurs, Self- employed
Eligibility Specially minted Pure Gold Coins
Staff, Pawn brokers and jewelry Jointly Jointly Jointly or Jointly professionals, Individuals
sold by our bank not exceeding 50
shop owners not eligible doing Retail/Wholesale trade
grams per customer
business singly or jointly
80% - 22 carat 65% - 22 carat 75% - 22 carat 65% - 22 carat 65% - 22 carat 65% - 22 carat 65% - 22 carat
65% - Hall Mark ornaments 65% - Hall Mark ornaments 65% - Hall Mark ornaments 65% - Hall Mark ornaments 65% - Hall Mark ornaments 65% - Hall Mark 65% - Hall Mark ornaments
below 22 carat up to 20 carat
below 22 carat upto 20 carat below 22 carat upto 20 below 22 carat upto 20 below 22 carat upto 20 carat ornaments below 22 carat below 22 carat upto 20
carat carat below 22 - 20 carat to 7 upto 20 carat carat
below 22 - 20 carat to 7 zones below 22 - 20 carat to 7 below 22 - 20 carat to 7 below 22 - 20 carat to 7 zones Chd/Del/Luck/ below 22 - 20 carat to 7 below 22 - 20 carat to 7
Gold Purity and Chd/Del/Luck/ Rani/Varai/Bho zones Chd/Del/Luck/ zones Chd/Del/Luck/ zones Chd/Del/Luck/ Rani/Varai/Bho /Jai zones Chd/Del/Luck/ zones Chd/Del/Luck/
Loan Assessment /Jai Rani/Varai/Bho /Jai Rani/Varai/Bho /Jai Rani/Varai/Bho /Jai Rani/Varai/Bho /Jai Rani/Varai/Bho /Jai
Hall mark 22 carat - ₹ 50 extra
Hall mark 22 carat - ₹50 extra Hall mark 22 carat - ₹ 50 Hall mark 22 carat - ₹50 Hall mark 22 carat - ₹50 per gram for loans of 9/6/3 Hall mark 22 carat - ₹50 Hall mark 22 carat - ₹50
per gram for loans of 9/6/3 extra per gram for loans of extra per gram for loans of extra per gram for loans of months extra per gram for loans of extra per gram for loans of
months 9/6/3 months 9/6/3 months 9/6/3 months 9/6/3 months 9/6/3 months

Gold Loan
Max 12 Months (can be paid Running account - Renewal Max 36 Months (can be paid Max 12 Months (can be paid Max 12 Months (can be paid Max 12 Months (can be Max 12 Months (can be
Tenure/Repayme lumpsum or in parts) Yearly lumpsum or in parts) lumpsum or in parts) lumpsum or in parts) paid lumpsum or in parts) paid lumpsum or in parts)
nt
20% -12 months tenure(22 k) Agriculture:- 25% - 22 Karat 35% - 22 Karat 35% - 22 Karat 35% - 22 Karat 35% - 22 Karat
15% - 3 months(22k) 25%-22 Karat 35% - below 22 Karat (20) 35% - below 22 Karat (20) 35% - below 22 Karat (20) 35% - below 22 Karat (20) 35% - below 22 Karat (20)
35% - 12 months(below 22k) 35%-below 22 Karat (20)
Margin/LTV Other Priority/MSME/Non-
Priority:-
35% - 22 Karat
 Gold Loan – Features
Gold Loan - Other Priority Gold Loan -Non Priority
PRODUCTS Krishi Kamdhenu SOD against Ornaments Agri Gold Loan Swarna Shakti Loan scheme MSME Gold Loan plus
Sector (MSME) Sector (RETAIL)
PARAMETER 22 Karat
22 Karat
>5 – 25 Lakh 22 Karat 22 Karat
For 22 karat = 1 Y MCLR Upto 5 Lakh = EBLR 22 Karat
Agri = 1 Y MCLR + 0.25% Upto 5 L =EBLR 22 Karat
>5 - 25 Lakh = Upto 5 Lakh = EBLR
Oth Priority = EBLR + 0.50% Upto 25 L = 1 Y MCLR >5L – 25 L = EBLR
EBLR+0.45% 5 - 25 Lakh = EBLR
Rate of Interest Non-Priority = EBLR + 0.95% Above 25 L =1Y MCLR Above 25 L = EBLR+0.10% Upto 5 Lakh = EBLR
Above 25 Lakh= 25 - 50 Lakh = EBLR+0.10%
Above 25 Lakh +0.10% >5 - 20 Lakh = EBLR
* 0.25 % Higher for 20 Karat EBLR+0.60% * 0.25 % Higher for 20 Karat
Agri = 1 Y MCLR + 0.25% * 0.25 % Higher for 20 * 0.25 % Higher for 20 * 0.25 % Higher for 20 Karat
* 0.25 % Higher for 20
Oth Priority = EBLR + 0.60% Karat Karat
Karat
Non-Priority = EBLR + 1.10%
Interest Frequency
6 Months Monthly 6 Months Monthly Monthly Monthly Monthly
Up to Rs. 0.25 Lacs : Nil
Up to Rs. 0.25 Lacs : Nil Up to Rs. 0.25 Lacs : Nil Up to Rs. 0.25 Lacs : Nil
Rs.0.25 Lacs to Rs. 1.00
Rs.0.25 Lacs to Rs. 1.00 Lakhs Rs.0.25 Lacs to Rs. 1.00 Lakhs : Rs Rs.0.25 Lacs to Rs. 1.00 Lakhs : Rs
Lakhs : Rs 100+ GST
: Rs 100+ GST 100+ GST 100+ GST
Rs.1.00 Lacs to Rs. 5.00
Rs.1.00 Lacs to Rs. 5.00 Rs.1.00 Lacs to Rs. 5.00 Lakhs : Rs Rs.1.00 Lacs to Rs. 5.00 Lakhs :
Processing charges Rs 1000+GST Lakhs : Rs 250+ GST 0.50% or Max. 1000 +GST 0.50% or Max. 1000 +GST
Lakhs : Rs 250+ GST 250+ GST Rs 250+ GST
Rs.5.00 Lacs to Rs. 10.00
Rs.5.00 Lacs to Rs. 10.00 Rs.5.00 Lacs to Rs. 10.00 Lakhs : Rs Rs.5.00 Lacs to Rs. 10.00 Lakhs :
Lakhs : Rs 400+GST
Lakhs : Rs 400+GST 400+GST Rs 400+GST
>Rs.10.00 Lakhs :Rs 500+GST
>Rs.10.00 Lakhs :Rs 500+GST >Rs.10.00 Lakhs :Rs 500+GST >Rs.10.00 Lakhs :Rs 500+GST

0.40% of loan amount with 0.40% of loan amount with 0.40% of loan amount with 0.40% of loan amount with
0.40% of loan amount with 0.40% of loan amount with Max 0.40% of loan amount with
Max Cap ₹ 500 and Min Cap Max Cap ₹ 500 and Min Max Cap ₹ 500 and Min Max Cap ₹ 500 and Min
Max Cap ₹ 500 and Min Cap ₹ Cap ₹ 500 and Min Cap ₹ 100/- Max Cap ₹ 500 and Min Cap ₹
₹ 100/- per Case to be Cap ₹ 100/- per Case to be Cap ₹ 100/- per Case to be Cap ₹ 100/- per Case to be
100/- per Case to be per Case to be recovered from 100/- per Case to be recovered
recovered from borrower recovered from borrower recovered from borrower recovered from borrower
recovered from borrower for borrower for Loan amount up to from borrower for Loan
Appraiser charges for Loan amount up to 5.00 for Loan amount up to for Loan amount up to for Loan amount up to 5.00
Loan amount up to 5.00 lakhs 5.00 lakhs amount up to 5.00 lakhs
lakhs 5.00 lakhs 5.00 lakhs lakhs
From 5 Lakhs to 10 Lakhs- Rs From 5 Lakhs to 10 Lakhs- Rs From 5 Lakhs to 10 Lakhs- Rs
From 5 Lakhs to 10 Lakhs- From 5 Lakhs to 10 Lakhs- From 5 Lakhs to 10 Lakhs- From 5 Lakhs to 10 Lakhs-
600/- 600/- 600/-
Rs 600/- Rs 600/- Rs 600/- Rs 600/-
Above 10 Lakhs - Rs 750 /- Above 10 Lakhs - Rs 750 /- Above 10 Lakhs - Rs 750 /-
Above 10 Lakhs - Rs 750 /- Above 10 Lakhs - Rs 750 /- Above 10 Lakhs - Rs 750 /- Above 10 Lakhs - Rs 750 /-
Up to Rs.20 lacs – NIL, Up to Rs.20 lacs – NIL, Up to Rs.20 lacs – NIL, Up to Rs.20 lacs – NIL,
Up to Rs.20 lacs – NIL, Above
Documentation Above Rs.20 lacs – 25% of Above Rs.20 lacs – 25% of Above Rs.20 lacs – 25% of Above Rs.20 lacs – 25% of
Rs.20 lacs – 25% of normal Nil Nil
Charges normal documentation normal documentation normal documentation normal documentation
documentation charges.
charges. charges. charges. charges.

Delegation BH Scale 1:-Rs. 10.00 lakhs, BH Scale II & above:- Rs. 25.00 lakhs or maximum permissible limit, whichever is lower ,RLCC II:- Rs. 50.00 lakhs or maximum permissible limit, whichever is lower
 Gold Loan – Features
PRODUCTS Gold Loan - Other Priority Gold Loan -Non Priority
Krishi Kamdhenu SOD against Ornaments Agri Gold Loan Swarna Shakti Loan scheme MSME Gold Loan plus
PARAMETER Sector (MSME) Sector (RETAIL)
Simplified Application Simplified Application Simplified Application Simplified Application Simplified Application Simplified Application Form. IC Simplified Application Form. IC
Documentation Form. IC No 3731-2022 Form. IC No 3731-2022 Form. IC No 3731-2022 Form. IC No 3731-2022 Form. IC No 3731-2022 No 3731-2022 No 3731-2022

Loan Up to Rs.5 lacs –Rs.

Loan Up to Rs.5 lacs –Rs. Loan Up to Rs.5 lacs –Rs. Loan Up to Rs.5 lacs –Rs. Loan Up to Rs.5 lacs –Rs.
100/- plus GST or part
100/- plus GST or part 100/- plus GST or part 100/- plus GST or part 100/- plus GST or part Loan Up to Rs.5 lacs –Rs. 100/- Loan Up to Rs.5 lacs –Rs. 100/-
thereof
thereof thereof thereof thereof plus GST or part thereof plus GST or part thereof
Safe Keeping Charges Loan Above Rs.5 lacs – Rs.
Loan Above Rs.5 lacs – Rs. Loan Above Rs.5 lacs – Rs. Loan Above Rs.5 lacs – Rs. Loan Above Rs.5 lacs – Rs. Loan Above Rs.5 lacs – Rs. 200/- Loan Above Rs.5 lacs – Rs.
200/- plus GST or part
200/- plus GST or part 200/- plus GST or part 200/- plus GST or part 200/- plus GST or part plus GST or part thereof 200/- plus GST or part thereof
thereof
thereof thereof thereof thereof

Up to Rs.20 lacs – NIL Up to Rs.20 lacs – NIL Up to Rs.20 lacs – NIL Up to Rs.20 lacs – NIL Up to Rs.20 lacs – NIL
Inspection Charges
Above Rs.20 lacs – Normal Above Rs.20 lacs – Normal Above Rs.20 lacs – Normal Above Rs.20 lacs – Normal Above Rs.20 lacs – Normal Nil Nil
Inspection charges Inspection charges. Inspection charges. Inspection charges. Inspection charges.
Packing Charges
(automated for UKKGL,
1. Limit up to Rs 1.00 lakhs 1. Limit up to Rs 1.00 lakhs 1. Limit up to Rs 1.00 lakhs 1. Limit up to Rs 1.00 lakhs 1. Limit up to Rs 1.00 lakhs –
UMGLP, USSLS, TLU04, 1. Limit up to Rs 1.00 lakhs 1. Limit up to Rs 1.00 lakhs – Nil
– Nil – Nil – Nil – Nil Nil
TLU03 & TLU13 schemes. – Nil 2. Limit above Rs 2. Limit above Rs 1.00 lakh – up
2. Limit above Rs 1.00 lakh 2. Limit above Rs 1.00 lakh 2. Limit above Rs 1.00 lakh 2. Limit above Rs 1.00 lakh 2. Limit above Rs 1.00 lakh –
Branches need not 1.00 lakh – up to Rs 5.00 to Rs
– up to Rs – up to Rs – up to Rs – up to Rs up to Rs
collect manually. lakhs - Rs 50+ GST. 3. Limit 5.00 lakhs - Rs 50+ GST.
5.00 lakhs - Rs 50+ GST. 5.00 lakhs - Rs 50+ GST. 5.00 lakhs - Rs 50+ GST. 5.00 lakhs - Rs 50+ GST. 5.00 lakhs - Rs 50+ GST.
Whereas for ODGLD above Rs 5.00 lakh - Rs 3. Limit above Rs 5.00 lakh - Rs
3. Limit above Rs 5.00 lakh 3. Limit above Rs 5.00 lakh 3. Limit above Rs 5.00 lakh 3. Limit above Rs 5.00 lakh 3. Limit above Rs 5.00 lakh - Rs
accounts packing charges 100 + GST. 100 + GST.
- Rs 100 + GST. - Rs 100 + GST. - Rs 100 + GST. - Rs 100 + GST. 100 + GST.
are to be collected
manually)