DBS Agricultural Gold Loan

Have you taken the Gold Loan Test?

DBS Bank, Asia’s Safest Bank, is redefining Gold Loans. Created especially for our customers, DBS Bank Gold Loans offer an easy and hassle-free option to farmers for funding farming and allied activities. Gold Loan enable farmers to unlock the value of their gold and avail higher loan amount to fulfil their personal needs.

Attractive Interest rate

Hassle-free Disbursal

Maximum Loan Value

Secure Gold Storage

Eligibility

Individual agriculturists engaged in farming and allied activities are eligible to avail these loans
Loan offered against pledge of gold ornaments owned by the farmer

Loan Value Offered

Up to 85% of the value of gold collateral.

Rate per Gram

Up to Rs.5608 w.e.f. 16^th Dec 2024

Useful Links

Application Form	SOC
General Terms and Conditions	Customer education advisory
Display of Information

Loan Quantum

Minimum - ₹2,00,001/-
Maximum - ₹20 lakhs

Interest rate and charges

For consolidated Interest rate and charges on Gold Loan, please refer this below table.

Parameters	Applicable Charges
Processing Fees	Up to 0.40% (plus taxes) of the Loan amount subject to a Max of ₹2000 per limit
Rate of Interest	Up to 14.00% p.a.
Appraiser Charges	1st Appraiser Charges - 0.20% of the limit subject to a max. of ₹1000/- per limit.
Appraiser Charges	2nd Appraiser Charges - 0.20% of the limit subject to a max. of ₹400/- per limit (applicable only when customer exposure exceeds Rs.15 lakhs)
Penal Charges	3% (plus taxes) per annum will be charged on the outstanding balance for irregularities like delayed payment and exceeding the LTV ratio/Margin Breach at 85% at the time of loan closure.
Prepayment Charges	Prepayment Charges 2% (plus taxes) of the loan outstanding amount (applicable for fixed rate loan)
Stamp Duty Charges	As per actual stamp duty rates (state wise) communicated from time to time.
Balance Transfer Charges	Up to ₹ 2,00,000/-: ₹ 350/- (plus taxes)
	₹ 2,00,001/- to ₹ 5,00,000/-: ₹ 500/- (plus taxes)
	Above ₹ 5,00,000/-: ₹ 750/- (plus taxes)
Other Charges
Insurance Charges	If Applicable
Newspaper Publication Charges	As per actual

Documents Required

ID proof ( Pan card, Aadhaar card, valid Driving license, Voter ID )
Address proof ( Aadhaar card, valid Driving license, Voter ID )
Proof of agricultural land records / allied agricultural activity

"Loan to be granted for agricultural and allied purposes only. Loan cannot be availed for purchase of gold coins, jewels or jewellery or any speculative purposes. Loan approval is at sole discretion of DBS Bank"

Gold loan is offered only in the states of Kerala, Tamil Nadu, Andhra Pradesh & Telangana and Karnataka

Gold loan Eligibility calculator

Click here to view Gold loan Eligibility calculator

Salient Features of Gold Loan personal accidental insurance

Option to avail Personal Accident Cover for less than ₹1 per day* The DBS Bank Gold Loan comes with an optional accompanying insurance cover that protects your gold for less than ₹1 per day*
Sum insured/ Tenure	₹5,00,000	₹10,00,000	₹15,00,000	₹20,00,000	₹25,00,000
Premium to be paid for 1 Year	₹202	₹404	₹604	₹805	₹1,007
Gold loan customers can avail of personal accident insurance cover under the policy* Max Sum Insured covered would be up to ₹25 lakhs* Age 18 to 65 years* Policy tenure can be till loan period, up to maximum 5 years* *Insurance cover is arranged by DBS Bank Limited through Go Digit General Insurance Limited under Digit Group Total Protect Policy (UIN: GODPAGP21491V022021). For more details, please read policy terms and conditions carefully before enrolment.

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