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iob_bank_advance_rate_for_jewel_loan

Last Updated:16/04/2026
Advance Rate for Jewel Loan

Jewel Loan Schemes SLAB ROI (RLLR:- 8.10% w.e.f. 27.02.2026, MCLR:- 8.75% w.e.f. 15.04.2026)

AGRI EASY JEWEL LOAN
AGEJL(33257)

Maximum Up to Rs.30 Lakh

One Year MCLR i.e. 8.75%

JEWEL LOAN TO OTHERS
JLOTH(33462)

Maximum Up to Rs.50 Lakh

RLLR + 0.50% = 8.60%

SME GOLD
JLSME(33132), CSGLD(33141)

Minimum:- Rs. 25,000/- Maximum:- Rs. 50.00 Lakh

RLLR + 0.50%  = 8.60%

Cash credit:- RLLR + 0.50%  = 8.60%

IOB SWARNALAKSHMI
JLSWL (Women Borrowers)(33504)

Maximum Up to Rs.5 Lakh

RLLR + 0.40% = 8.50%*

KISAN CREDIT CARD JEWEL LOAN
KCCJL(KCC Jewel Loan)(33033)

Up to Rs. 3.00 Lakh

With Interest subvention under KCC

7% (for prompt payment additional subvention of 3%)

Without interest subvention

MCLR(8.75) + 0.90% = 9.65%

Above Rs.3 lakh to Rs. 10 Lakh

MCLR(8.75) + 2.50 = 11.25%

IOB SWARNA SAMRIDHI
JLSWS(33246)

Maximum Up to Rs.10 Lakh

SIX MONTH MCLR i.e. 8.65% , Penal interest of 2% to be charged for the overdue portion

JLSTF(33747)

Minimum:- Rs. 25,000/- Maximum:- Rs. 25 Lakh

RLLR - 0.35% = 7.75%

JEWEL LOAN-SUVIDHA
JLSUV(33247)

Minimum:- Rs. 25,000/- Maximum:- Rs. 50 Lakh

RLLR + 0.50% = 8.60%

IOB GOLD POWERED CARD
GLDPC(33036)

Minimum:- Rs. 25,000/- Maximum:- Rs. 25 Lakh

RLLR + 0.50%  = 8.60%

* 0.10% concession for women borrowers to promote the scheme.