• 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.

Security
Pledge of

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

Repayment

• 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/-