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Cent Personal Gold Loan


  • To meet urgent personal expenses like marriage / medical / educational needs, etc. other than for Agricultural purpose.

Nature of Facility

  • Demand Loan against pledge of gold ornaments of 22 Carat purity or Gold Coins (Maximum 50 gram per person) sold by Bank.


  • Pledge of gold ornaments of 22 Carat purity or Gold Coins sold by our Bank.
  • In case of gold coins (24 carat) sold by banks , pledged security should not exceed 50 grams per borrower.

Quantum of loan

  • Minimum Rs 10000/ - Maximum Rs 40,00,000/


  • 25% of the value at the time of sanction.


  • The tenor of the loan should not exceed 12 months from the date of sanction.

Processing Fees

  • 0.50% of the loan amount, Minimum : Rs.250/- & Maximum: Rs.5000/ (Processing fee is exclusive of appraiser fees & appraiser fees has to be recovered additionally)
  • Processing Charges on "Cent Personal Gold Loan Scheme" is waived up to 31.12.2023

Documentation Charges

  • NIL

Rate of Interest: RBLR+CRP

Loan Amount ROI for Low & Medium Risk
Up to Rs.3 Lakh RBLR-0.65%=8.45%
Above Rs.3 Lakh RBLR-0.55%=8.55%
For further details please contact our nearest branch or call on the toll free no. 1800 22 1911