Advance Rate for Jewel Loan | Gold Loan
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iob_bank_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) | |
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AGRI EASY JEWEL LOAN |
Maximum Up to Rs.30 Lakh |
One Year MCLR i.e. 8.75% |
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JEWEL LOAN TO OTHERS |
Maximum Up to Rs.50 Lakh |
RLLR + 0.50% = 8.60% |
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SME GOLD |
Minimum:- Rs. 25,000/- Maximum:- Rs. 50.00 Lakh |
RLLR + 0.50% = 8.60% |
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Cash credit:- RLLR + 0.50% = 8.60% |
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IOB SWARNALAKSHMI |
Maximum Up to Rs.5 Lakh |
RLLR + 0.40% = 8.50%* |
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KISAN CREDIT CARD JEWEL LOAN |
Up to Rs. 3.00 Lakh |
With Interest subvention under KCC |
7% (for prompt payment additional subvention of 3%) |
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Without interest subvention |
MCLR(8.75) + 0.90% = 9.65% |
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Above Rs.3 lakh to Rs. 10 Lakh |
MCLR(8.75) + 2.50 = 11.25% |
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IOB SWARNA SAMRIDHI |
Maximum Up to Rs.10 Lakh |
SIX MONTH MCLR i.e. 8.65% , Penal interest of 2% to be charged for the overdue portion |
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JLSTF(33747) |
Minimum:- Rs. 25,000/- Maximum:- Rs. 25 Lakh |
RLLR - 0.35% = 7.75% |
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JEWEL LOAN-SUVIDHA |
Minimum:- Rs. 25,000/- Maximum:- Rs. 50 Lakh |
RLLR + 0.50% = 8.60% |
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IOB GOLD POWERED CARD |
Minimum:- Rs. 25,000/- Maximum:- Rs. 25 Lakh |
RLLR + 0.50% = 8.60% |
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* 0.10% concession for women borrowers to promote the scheme.
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