DBS Non 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 individuals who are salaried, self-employed, professionals etc for their personal & business requirements. These loans are available at all branches and enable customers to unlock the value of their gold ornaments and avail of higher loan amounts to fulfil their credit needs. DBS Bank Gold loans come with instant disbursal in 30 mins.

All this and more make DBS Bank Gold Loans the Gold Standard of Gold Loans.

Attractive interest rates

Attractive per gram rate

Instant loan disbursal in 30 mins* (*T&C Apply)

Upholding your age old trust: You can expect the same trust and warmth that has brought you smiles in the past

Eligibility

The loan can be availed by individuals to meet their personal and business expenses
Loan offered against pledge of gold ornaments owned by the individuals

Loan Value Offered

Up to 75% of the value of gold collateral

Rate per Gram

Up to Rs.4956 w.e.f. 2^nd Dec 2024

Useful Links

Application Form

Loan Quantum

Minimum - ₹25,001
Maximum - ₹30 lakhs

Rate of Interest

For consolidated schedule of charges on Gold Loan, please refer this below table.

Gold Loan Product	Applicable charges
Loan Facility/ Product	Gold Loan Non-Agri
Rate of Interest	10.75% to 12.00%
Processing Fees to Bank (GST of 18% to be collected in addition)	Up to 0.40% of the facility amount without any cap
1st Appraiser Commission *	0.20% of the limit subject to a max. of ₹2000/- per limit.
2nd Appraiser Commission (applicable only when customer exposure exceeds ₹15 lakhs)	0.20% of the limit subject to a max. of ₹400/- per limit.
Stamp Duty Charges	Recovered from Customers as per actual stamp duty rates (state wise) communicated from time to time.
Penal Charges (GST of 18% to be collected in addition)	3% 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.
*Appraisal commission to be borne by the customer

Documents Required

ID proof ( Pan card, Aadhaar card, valid Driving license, Voter ID )
Address proof ( Aadhaar card, valid Driving license, Voter ID )
Two recent passport size photographs

"Loan to be granted for agricultural/business/personal purposes only. Loan cannot be availed for purchase of gold coins, jewels or jewellery, land 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

General Terms and Conditions

Click here to view general terms and conditions

Customer education advisory on Prudential norms

Click here to view Customer Education Advisory

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 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 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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