Interest Rate & Loan Details

• Interest Rate: Starting from 7.11% p.a. (may vary based on loan amount, tenure & applicant profile)
• Loan Amount: Minimum 25,000 – Maximum 1 Crore
• Loan Tenure: 3 to 12 months (flexible repayments available)
• Processing Fee: Approximately 1.50% of the loan amount
• Pre-closure Charges: 2% of outstanding principal + applicable GST if closed within 3 months; NIL afterwards
• Loan-to-Value (LTV) Ratio: Up to 75–80% of the gold’s market value

Purpose of Gold Loan

• Personal expenses and household needs
• Education and tuition fees
• Medical emergencies
• Business needs
• Agricultural or seasonal funding

Eligibility Criteria

• Age: 21–60 years (salaried), up to 70 years (self‑employed); pensioners eligible up to 65
• Ownership: Gold jewellery (18 ct; stones 40% by weight) or gold coins
• KYC Documents: Valid ID, address proof, age proof, signature, passport‑size photo

Documents Required

• Signed application form with photograph
• Aadhaar, PAN, Voter ID, Passport, or Driving License (ID & Address)
• Age proof (if not in above)
• Signature proof

Loan Amount & Security

• Min Loan: 25,000
• Max Loan: 1 Crore
• Security: Gold jewellery or coins pledged (gemstone limits apply)

Repayment Options

• Interest Servicing: Monthly interest, principal at maturity
• Principal + Interest: Lump sum at end of tenure

Charges & Fees

• Processing Fee: 1.50% of loan amount
• Prepayment Penalty: 2% + GST if foreclosed within 3 months; none after
• Late Payment Fee: As per bank policy

Key Considerations

• Gold purity must be 18 carat; gemstones capped at 40% of weight
• Review loan agreement carefully for all terms
• Failure to repay may lead to forfeiture of pledged gold

Benefits of RBL Gold Loan

• Same‑day approval: Quick valuation and disbursal on the spot
• Low interest: Starting at 7.11% p.a.
• High LTV: Up to 75–80% of gold value
• No guarantor: Gold as sole collateral
• Flexible tenor: 3 to 12 months as per need

Contact RBL Bank

• Customer Care: 022‑6206‑8000
• Website: www.rblbank.com