DBS Non Agricultural Gold Loan

Have you taken the Gold Loan Test?

DBS Bank, Asia’s Safest Bank, is redefining Gold Loans. DBS Bank Gold Loans offer an easy and hassle-free option to individuals who are salaried, self-employed, professionals etc for their personal & business requirements. Gold loans enable customers to unlock the value of their gold ornaments and avail higher loan amount to fulfil their personal needs.

Attractive Interest rate

Quick and Hassle-free Disbursal

Maximum Loan Value

Secure Gold Storage

Eligibility

The loan can be availed by An Indian resident individual to meet their personal and business expenses
Loan offered against gold ornaments owned by the individuals
Gold Loan to be granted for personal or business purposes only. Gold Loan cannot be availed for purchase of gold coins, jewels or jewellery or any speculative purposes. Gold Loan approval is at sole discretion of DBS Bank.
Gold loan is offered in below states and Union Territory -
Kerala, Tamil Nadu, Karnataka, Andhra Pradesh, Telangana, and Pondicherry.

Loan Value Offered

Up to 75% of the value of gold collateral

Rate per Gram

Up to Rs.5539 w.e.f. 10^th Mar 2025

Useful Links

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

Loan Quantum

Minimum - ₹25,001/-
Maximum - 30,00,000/-

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 ₹2000/- 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 75% 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)

Gold loan Eligibility calculator

Click here to view Gold loan Eligibility calculator

Silent Features of Gold Loan personal accidental insurance

Option to avail Personal Accident Cover for less than ₹1 per day* The DBS 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
The product price is determined solely at the discretion of the insurer. Gold loan customers can avail group personal accident insurance cover under the policy Max Sum Insured covered would be up to ₹25 lakhs* Age 18 to 65 years* The Policy will be valid till 1 Yrs from the risk start date, customer with active gold loan facility can renew the policy or purchase a new one as per the T&C defined for the product. *Insurance cover is arranged by DBS Bank Limited through Manipal Cigna Health Insurance Company Limited under Manipal Cigna Lifestyle Protection Group Policy (UIN:MCIPAGP21235V032021). For more details, please read policy terms and conditions carefully before enrolment.

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