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iob_bank_advance_rate_for_jewel_loan

Last Updated:06/02/2026
Advance Rate for Jewel Loan

Jewel Loan Schemes SLAB ROI (RLLR:-8.10% w.e.f. 15.12.2025, MCLR:-8.80% w.e.f. 15.12.2025)

AGRI EASY JEWEL LOAN

AGEJL(33257)

Maximum Up to Rs.30 lakh

One Year MCLR i.e. 8.80%

JEWEL LOAN TO OTHERS

JLOTH(33462)

Maximum Up to Rs.50 lakh

RLLR - 0.10% =8.00%

SME GOLD

JLSME(33132), CSGLD(33141)

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

RLLR - 0.10% =8.00%

Cash credit:- RLLR-0.10%=8.00%

IOB SWARNALAKSHMI

JLSWL (Women Borrowers)(33504)/p>

Maximum Up to Rs.5 lakh

RLLR - 0.20% =7.90%

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(8.80) + 0.90% = 9.70%

Above Rs.3 lakh to Rs. 10 lakh

MCLR(8.80) + 2.50 = 11.30%

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-0.60%= 7.50%

JEWEL LOAN-SUVIDHA

JLSUV(33247)

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

RLLR - 0.10% =8.00%

IOB GOLD POWERED CARD

GLDPC(33036)

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

RLLR - 0.10% =8.00%