• Loan to meet unforeseen contingencies.
  • Lower Rate of Interest.
  • No Prepayment penalty.
  • Minimal processing charges.
  • Quick processing and disbursement.
  • To meet medical expenses and other unforeseen Commitment/ Contingencies etc.

Nature of Facility

  • Single Transaction Limit

Loan Quantum

  • 65% of the Appraised Value of Gold.
  • Minimum Amount - Rs. 5000/-
  • Maximum amount - Rs. 35 Lakh.
    Subject to a ceiling of Rs. 35 Lakh per Borrower under three schemes viz Swarna loan, Swarna OD & Swarna Express.

Pledge of

  • Gold ornaments/Jewellery.
  • Specially minted Gold coins sold by banks up to 50 grams per customer.


  • Loan to be repaid within 12 months from the date of sanction as bullet payment along with interest.

Nomination Facility is available

  • Resident Individuals, NRIs
  • 0.50% of the Loan amount
  • Minimum Amount - Rs.500/-
  • Maximum Amount - Rs.5000/-
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Last updated on 26-09-2023 10:32 AM

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