Personal Loan
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Cent Personal Gold Loan

Purpose

  • 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 our Bank.

Security

  • Pledge of gold ornaments of 22 Carat purity or Gold Coins sold by our Bank.

Quantum of loan

  • Pledge of gold ornaments of 22 Carat purity or Gold Coins sold by our Bank.

Margin:

  • 30% of the value at the time of sanction.

Maximum Limit of loan per gram

  • Rs.1750/- per gram of gold ornaments or 70% of the current market price of 22 carat gold whichever is less.
  • In case of gold coins sold by our Bank Rs.1850/- per gram of gold coins or 70% of the current market price of 24 carat gold whichever is less.
  • The weight of coin(s) pledged should not exceed 50 grams per borrower in case of advance against security of gold coins.
  • Drawing power will be revised suitably on monthly basis based on the market value of gold.

Repayment

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

Processing Fees

  • 0.5% of the loan amount plus tax plus applicable Appraiser Fee.

Rate of Interest

  • MCLR (12m) +2.00 % p.a. floating
For further details please contact our nearest branch or call on the toll free no. 1800 22 1911

Loan Application Forms

Loan type Forms
Application Form 1 for Loan of Rs.5 Crore to Rs.15 Crore Download Word Document Format
Download PDF Format
Application Form 2 for Loan of Rs.15 Crore to Rs.40 Crore Download Word Document Format
Download PDF Format
Application Form 3 for Loan of Rs.40 Crore and above Download Word Document Format
Download PDF Format
Standardised Common Loan Application Form for Agriculture Credit Download PDF Document Form
Common Application Form (Required for all loan schemes). Download Word Document Format
Download PDF Format
Cent Buy Download Word Document Format
Download PDF Format
Cent Computer Download Word Document Format
Download PDF Format
Cent Liquid Download Word Document Format
Download PDF Format
Cent Mortgage Download Word Document Format
Download PDF Format
Cent Trade Download Word Document Format
Download PDF Format
Cent Vyapari Download Word Document Format
Download PDF Format
Housing Loan Application Download Word Document Format
Download PDF Format
Cent Home Loan Plus Download Word Document Format
Download PDF Format
Cent Suvidha Download Word Document Format
Download PDF Format
Cent Vehicle Download Word Document Format
Download PDF Format
Cent Vidyarthi Download Word Document Format
Download PDF Format
Cent School Download Word Document Format
Download PDF Format
Teacher's Loan Download Word Document Format
Download PDF Format
Cent Rental Download Word Document Format
Download Word Document Format
Download PDF Format
Download PDF Format
Cent Doctor Download Word Document Format
Download PDF Format
Cent Swabhiman Download Word Document Format
Download PDF Format
Personal Loan for Pensioners Download Word Document Format
Download PDF Format
Personal Loan to Employees of Corporate Sector Download Word Document Format
Download PDF Format
Personal Loan to Employees of Non-Corporate Sector Download Word Document Format
Download PDF Format
Loan to LIC Agents Download Word Document Format
Download PDF Format
Loan to MSEs Download PDF Format
Cent Sahyog (form for upto 10 lakhs) Download PDF Format
Cent Sahyog (form for above 10 lakhs) Download PDF Format
Application for Agricultural Loans Download PDF Format

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