Apply on line for SBI private Gold Loan in Asia – Personal Banking

Apply on line for SBI private Gold Loan in Asia – Personal Banking

Personal Gold Loans

SBI Private Gold Loan
  • Features
  • Eligibility
  • Payment
  • Papers Required
  • Interest

SBI Gold Loan may be availed by pledge of silver ornaments including coins offered by Banks with minimal paper work and low interest.

Features

  • Optimum Loan Amount: Rs 20.00 lacs
  • Minimal Loan Amount: Rs 20,000 /-
  • Margin
    • Gold Loan: 25%
    • Fluid Gold Loan: 25%
    • Bullet Repayment Gold Loan: 35%
  • Protection: Pledge of gold ornaments duly confirmed for quality & amount.
  • Processing charges: 0.50per cent for the Loan amount + relevant GST minimum Rs500/- + applicable GST
  • Interest:
    • For just about any Loan quantity: 0.50% over the MCLR-1yr
  • Others: silver appraiser fees may be compensated because of the Applicant.

Eligibility

  • Age: 18 years and above
  • Career: Any specific (singly or jointly) with Steady income source including: Bank’s Employees, Pensioners. (No evidence of income needed)

Payment

  • Repayment Mode
    • Gold Loan: The payment of Principal and Interest may be commenced through the thirty days following a thirty days of disbursement.
    • Fluid Gold Loan: Overdraft Account with deal facility and month-to-month interest is become offered.
    • Bullet Repayment Gold Loan: On or ahead of the term associated with the loan/ on closing of account.
  • Repayment Period
    • Optimum: Gold Loan: 36 months fluid Gold Loan: 36 months Bullet Repayment Gold Loan: year

Papers Required

To Utilize Loan

  • Application for Gold Loan with two copies of photographs.
  • Proof Identity with evidence of Address
  • Witness Letter in the event of illiterate borrowers.

Time of Disbursement

  • DP note and DP Note Take Delivery Page.
  • Silver Ornaments Take Delivery Page.
  • Arrangement Letter.

INTEREST RATE (w.e.f. 15.05.2020 to 15.07.2020)

Scheme 1 12 months MCLR Spread over one year MCLR Good Interest Rate
Gold Loan(all variations) 7.00% 0.50% 7.50per cent
Realty Gold Loan- the Gold Loan Product solely for SBI Housing Loan Customers (all variations) 7.00% 0.00percent 7.00%
Interest Levels

6.95% p.a.

*T&C Apply.

7.50% p.a.

*T&C Apply.

Loan quantity up to Rs. 3 lakhs

8.85% p.a.

Rs. 3 lakhs & as much as Rs. 5 lakhs

Begin With

9.60% p.a.

2.70% p.a.

Upto 1 lakh(w.e.f. 31.05.2020)

2.70% p.a.

Above 1 lakh (w.e.f. 31.05.2020)

2.70% p.a.

Upto 1 lakh (w.e.f. 31.05.2020)

2.70% p.a.

Above 1 lakh (w.e.f. 31.05.2020)

9.30% p.a.

*T&C Apply.

7.50% p.a.

(On Using through YONO)

7.75% p.a.

36 months to lower than 5 12 months

5 years to lower than ten years

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