ब्रेडक्रम्ब

iob_bank_jewel_loan

अंतिम अद्यतन तिथि :06/02/2026
गहना ऋण

IOB GOLD LOAN - "WORTH A WHILE WITH GOLDEN SMILE"

  • Gold Loan for All Your Needs
  • Express Speed of Sanction
  • Lower Processing Charge
  • Competitive Interest Rate
  • No Closure Charges
  • No Documentation Charges and Many More....

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Credit Cards

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  • Age: 18 years and above
  • Any individual owning gold ornaments/Jewellery/Coins.
  • Loans can be granted against gold ornaments/Jewellery and specially minted pure gold coins sold by our bank/other bank. The total weight of the coins should not exceed 50 grams per customer.
  • Existing as well as new customer, whose willingness to open account with us.
Loan Type Details

KCCJL (Kisan Credit Card Jewel Loan)

Scheme Features:-

  • To meet Short-term production credit needs of farmers.
  • Loan limit per borrower:- Minimum Rs. 1.61 lakhs and Maximum up to Rs. 10 lakhs.

Up to  Rs. 3.00 lakh

With Interest subvention under KCC

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

Without interest subvention

MCLR(8.85) + 0.90% = 9.75%

Above Rs.3 lakh to Rs. 10 lakh

MCLR(8.85) + 2.50 = 11.35%
  • Processing Charges: - Up to Rs. 3.00 lakhs:- Nil and Above Rs. 3.00 lakhs:- 0.30%
  • Maximum loan per gram with 80% LTV.

AGEJL (Agri Easy Jewel Loan)

Scheme Features:

  • Maximum loan eligibility up to Rs. 30.00 lacs per borrower.
  • Attractive rate of interest i.e. 8.85% presently
  • Minimum Processing Charges:- Loan Quantum Processing Charges Up to Rs.0.25 lakh Nil.
  • Above Rs.0.25 lakh up to Rs.1.00 lakh:- Rs.250+ GST
  • Above Rs.1.00 lakh up to Rs.3.00 lakhs:- Rs.500+ GST
  • Above Rs.3.00 lakh up to Rs.5.00 lakhs:- Rs.1100+ GST
  • Above Rs.5.00 lakh up to Rs.10.00 lakh:- Rs.1450+ GST
  • Above Rs. 10.00 lakhs :- Rs.2750+ GST

JEWEL LOAN SME:- CSGLD (Cash Credit Against Gold)

Scheme Features:-

  • Easy finance for MSMEs for working capital requirement.
  • Eligible Loan amount: - Minimum: - Rs. 25,000/- to Maximum: - Rs. 50.00 lakhs.
  • Attractive rate of interest i.e., 8.25% presently.
  • Minimum processing charges i.e. up to Rs. 1.00 lakhs Nil, Above Rs. 1.00 lakhs to Rs. 5.00 lacs Rs. 250/-, Above Rs. 5.00 lacs Rs. 500/-.
  • Quick sanction and disbursal.
  • Maximum loan per gram with 75% LTV.
  • Hassle free and minimum time

JL-Others (Jewel Loan - Others) JLOTH

Scheme Features:

  • For any unforeseen medical/personal consumption needs.
  • Maximum loan eligibility up to Rs. 50.00 lacs per borrower.
  • Attractive rate of interest i.e. 8.25% presently.
  • Minimum processing charges i.e. up to Rs. 3.00 lakhs 0.30% and above Rs. 3.00 lacs 0.50%.
  • Quick sanction and disbursal.
  • Maximum per gram rate with 75% LTV.
  • Hassle free and minimum time
  • Repayment period up to 35 months.

IOB Swarna Lakshmi (Women Borrowers) - JLSWL

Scheme Features:-

  • Providing Financial support against pledge of gold to start new venture or to meet any unforeseen medical/personal needs to women.
  • Maximum loan eligibility up to Rs. 5.00 lacs per borrower.
  • Attractive rate of interest i.e. 9.25% presently.
  • Minimum processing charges i.e. up to Rs. 3.00 lakhs 0.30% and above Rs. 3.00 lacs 0.50%.
  • Quick sanction and disbursal.
  • Maximum loan per gram with 75% LTV.
  • Hassle free and minimum time
  • Repayment period:- Bullet repayment 12 months.

IOB Swarna Samridhi

Scheme Features:

  • For Agriculture and allied activities: - To meet short-term credit requirement through "IOB SWARNA SAMRIDHI" Jewel loan scheme.
  • Avail maximum loan amount up to Rs. 10.00 lacs per borrower.
  • Higher per Gram rate with 85% LTV.
  • Lower interest rate i.e., 6-month MCLR at 8.70% presently.
  • Lowest processing charge i.e. 0.15% of loan amount, with minimum of Rs. 150.00.
  • No Security delivery charge at the time of closure.
  • Lower appraiser fee.
  • Target Group: Agriculturists/Farmers who are owner cultivators, tenant farmers, oral lessees & sharecroppers engaged in crop cultivation, land development activities, investment activities & activities allied to agriculture.
  • Age: Minimum 18 Years
  • Quantum of Loan: Maximum Loan amount per borrower - Rs. 10 Lakhs
  • Margin: Nil
  • Security: Hypothecation of assets created out of the Loan. Pledge of Gold ornaments.
  • Assessment: For Crop Cultivation purpose - Prevailing per gram advance rate or Loan amount as per scale of finance whichever is lower.
  • For Agri allied and ancillary activities - Prevailing per gram advance rate or Loan amount arrived as per project cost whichever is lower.
  • Repayment: Loan to be repaid within a period of 6 months as bullet payment - both principal and interest due for payment at the end of the term.
  • Interest Rate: Loan to be repaid within a period of 6 months as bullet payment - both principal and interest due for payment at the end of the term.
  • Processing Charges: 0.15% of the loan for loan upto Rs. 10.00 lakhs with minimum of Rs. 150/-.
  • Documents Required: Form 89E (View), Annexure (View)

IOB Gold Loan Card

Scheme Features:-

  • IOB Gold Loan Card can be sanctioned as an overdraft facility for consumption purposes and contingencies.
  • Eligible loan amount: - Minimum 0.25 lakhs and maximum up to 25.00 lakhs
  • Attractive Rate of interest: - 8.25%
  • Processing charges: - 0.30% of the sanctioned limit, Card issuance charges: - Rs.100+ GST, Annual maintenance charges:-Rs. 250+ GST.
  • Repayment:- Borrower can service both interest and principal at maturity of loan i.e. 12 months from date of sanction.
  • Maximum loan per gram of Jewel.

The limit will be sanctioned based on the declaration of the borrower

Loan shall not be given for speculative purpose.

  • Target Group:- Any individual above the age of 18 owning gold ornaments/jewellery/coins and having account with us either singly or jointly. Staff are also eligible.
  • Age:- Minimum 18 years and no age restriction for exit
  • Repayment:- The borrower can service both interest and principal at maturity of loans i.e. 12 months from date of sanction.
  • Processing Charges:- 0.30% of the sanctioned limit.

Daily Card Usage Limit:-

Particulars Card Limit Available for Daily Use

Cash Withdrawal Limit

Per Transaction Rs. 20,000/- and per Day Rs. 1,00,000/-

POS

100% of Card Limit

E-COM

100% of Card Limit

ATM

40% of Card Limit

Jewel Loan Suvidha:- JLSUV

Scheme Features:-

  • To meet margin money requirement in Housing loan, registration charges, project price escalation.
  • Eligible loan amount:- Minimum:- 0.25 Lakhs and maximum up to 50.00 lakhs.
  • Attractive rate of interest:- 8.25%
  • Processing Charges:- 0.25% of sanctioned limit subject to minimum of Rs. 500+ GST and maximum of Rs. 2500+ GST.
  • Repayment period:- Bullet Repayment 12 months: - 0.25 lakhs to 15.00 lakhs

EMI Option: - 0.25 lakhs to Rs. 50.00 lakhs: - 60 months

  • Maximum loan per gram with 75% LTV.
Bullet Payment EMI Option

Loan Amount

Rs.0.25 lakhs to Rs.15.00 lakhs

Loan Amount

Rs.0.25 lakhs to Rs.50.00 lakhs

Margin

25%

Margin

25%

Period of Loan

12 Months

Period of Loan

60 Months

Processing Charges: 0.25% of the sanctioned limit subject to minimum of Rs. 500/- +GST and maximum of Rs. 2500/- +GST

Rate of Interest for Various Jewel Loan Schemes Charged by Our Bank

Present RLLR: 9.10% to be updated as 8.85%

Jewel Loan Schemes Slab ROI (RLLR + 8.35% w.e.f. 12.06.2025, MCLR + 8.85% w.e.f. 15.09.2025)
AGEJL (33257) Maximum up to Rs. 30 lakh One Year MCLR i.e. 8.85%
JLOTH (33462) Maximum up to Rs. 50 lakh RLLR – 0.10% = 8.25%
JLSME (33132), CSGJD (33141) Minimum: Rs. 25,000 / Maximum: Rs. 50.00 Lakh Cash credit: RLLR – 0.10% = 8.25%
JLSWL (Women Borrowers) (33504) Maximum up to Rs. 5 lakh RLLR – 0.20% = 8.15%
KCCJL (KCC Jewel Loan) (33033) Up to Rs. 3.00 lakh (With interest subvention) 7% (additional subvention 3% for prompt payment)
Up to Rs. 3.00 lakh (Without interest subvention) MCLR (8.85) + 0.90% = 9.75%
Above Rs. 3.00 lakh to Rs. 10 lakh MCLR (8.85) + 2.50 = 11.35%
JLSWS (33246) Maximum up to Rs. 10 lakh Six Month MCLR i.e. 8.70%
JLSTF (33747) Minimum: Rs. 25,000 / Maximum: Rs. 25 lakh RLLR – 0.60% = 7.75%
JLSUV (33247) Minimum: Rs. 25,000 / Maximum: Rs. 50 lakh RLLR – 0.10% = 8.25%
GLDPC (33036) Minimum: Rs. 25,000 / Maximum: Rs. 25 lakh RLLR – 0.10% = 8.25%

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In accordance with the directions of the Reserve Bank of India (RBI), the Bank adopts the following transparent and uniform methodology for determining the net weight of pledged gold ornaments and for valuing the gold content for calculation of the Loan-to-Value (LTV) ratio.

1. Determination of Net Weight of Gold

Advances against gold ornaments are granted only after the ornaments are duly appraised by an authorized jewel appraiser, empanelled by the Bank based on professional expertise. The loan sanctioning authority (Branch Manager/Officers) ensures that the weight, fineness, and valuation of the ornaments are fully verified and found satisfactory before sanction.

Based upon the quality of gold brought by the borrower, the following tests are conducted, as required, to determine the purity and net gold content:

  • Hallmark Verification - Jewelry items are checked for hallmarking (e.g., 24K, 22K, 18K), which serves as a certified assurance of purity. Markings on jewelry also provide a preliminary indication of karat value.
  • Density & Weight Method - Used to differentiate genuine gold from spurious or impure ornaments.
  • Touchstone Method - Ornaments are rubbed on a touchstone; the gloss and colour help detect impurities. Coated or fake ornaments show variation in colour.
  • Acid Test - Pure gold remains unaffected by standard acid tests, while impure metals show discoloration.
  • Karatmeters (XRF Analyzers) - Deployed in select high-potential branches as an additional safeguard to accurately detect spurious elements and confirm karat purity.

After the above appraisal, stones, wax, enamel, beads, and other extraneous items are removed, and only the net weight of the pure gold content is taken for valuation.

2. Price Used for Valuation of Gold Collateral

  • Gold accepted as collateral security is valued based on the reference price corresponding to its purity (carat).
  • For this purpose, the average closing price of gold of the respective purity over the preceding 30 days, as published by the India Bullion and Jewellers Association Ltd. (IBJA), is adopted.
  • This methodology ensures a fair, transparent, and uniform valuation across all branches.
  • The same benchmark is used both for fixing the lending rate and for monitoring the LTV ratio.

3. Loan-to-Value (LTV) Ratio

  • The Bank adopts LTV ratios depending upon the type of gold loan scheme subject to internal & regulatory guidelines.
  • The LTV ratio for each scheme is reviewed periodically by the Bank in line with its credit policy, risk management framework, and regulatory guidelines.

Formula:

LTV Ratio (%) = ((Loan Amount ÷ Market Value of Gold) × 100)

  • The calculation is system-driven in the Bank's Core Banking System (CBS), ensuring uniformity, transparency, and compliance across all branches.

4. Transparency & Disclosure

  • The above methodology is applied uniformly across all Bank branches.
  • Any changes to RBI guidelines, valuation methods, or Bank's internal LTV policies will be updated promptly on this website.
  • Customers are encouraged to note that loan eligibility and LTV ratio vary depending on the specific gold loan scheme opted for, while remaining within RBI's overall regulatory framework.