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PNB Gold Loan

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    PNB Gold Loan Key Features – Apply Now!

    PNB Gold Loan Interest Rate 7.11% per annum
    PNB Gold Loan Per Gram Rate Per Gram Today is ₹ 5,032
    PNB Gold Loan Amount Up to Rs. 1 Crore (With Income Proof)
    PNB Gold Loan Processing Fee 1.50% of the Principal Loan Amount
    PNB Gold Loan Prepayment Charges 2%+GST (Within 3 Months), 0 (After 3 months)
    PNB Gold Loan Repayment Tenure 3 Months to 24 Months
    PNB Gold Loan Repayment Scheme Bullet Payment Scheme, Overdraft Scheme

    Advantages of PNB Gold Loan:

    • Fast processing: The approval and disbursement system of the PNB Gold Loan is fast and simple. Usually, in an hour, the loan passes.
    • Low-interest rate: The interest rate for gold loans is much lower compared to other loans because it is a secured loan.
    • Minimal Documentation: The documentation process is clear and straightforward; the minimum number of documents necessary for the approval of the PNB gold loan is necessary.
    • Transparent system: We do not levy charges for secret loans. The priorities of a bank.
    • Loan Sum: The minimum amount of loan available to customers is Rs. 15000. Often, it can be less than Rs 10000 in remote areas.
    • Jewellery Security: We are responsible for your jewellery care. In fireproof vaults, thus, the gold is contained.
    • Loan tenure: The tenure of gold loans can be from 3 months to 2 years. You can make a choice for tenure, as per your comfort.
    • Benefits for farmers: Some special deals for agricultural purposes are offered by PNB. This suggests that the bank is offering farmers a slightly lower interest rate on gold loans for agricultural use.
    • No Debt Burden: We are aware that there might be cases where a borrower is unable to pay for the amount of the loan, the lender will not be under debt in such a scenario as the bank will only seize the ornaments owned by you.
    • No income limits: there are no such restrictions on the lender’s salary or income; thus, anybody with any range of income can use a gold loan at any time.

    How Much Gold Loan can I Get through PNB Gold Loan:

    PNB Gold Loan Per Gram – Updated September 2020

    Updated - Gold Loan Per Gram Rate

    Gold Weight

    Gold Purity

    Gold Purity

    Gold Purity

    Gold Purity

    24 Carat

    22 Carat

    20 Carat

    18 Carat

    1 gram

    4680 4290 3900 3510

    10 gram

    46800 42900 39000 35100

    20 gram

    93600 85800 78000 70200

    30 gram

    140400 128700 117000 105300

    40 gram

    187200 171600 156000 140400

    50 gram

    234000 214500 195000 175500

    100 gram

    468000 429000 390000 351000

    200 gram

    936000 858000 780000 702000

    300 gram

    1404000 1287000 1170000 1053000

    400 gram

    1872000 1716000 1560000 1404000

    500 gram

    2340000 2145000 1950000 1755000

    PNB Gold Loan Eligibility:


    18-70 years of age



    Employment Status

    Salaried, Self-Employed

    Gold Quality

    Minimum 18 Carats

    PNB Gold Loan Documents Required:


    2 Passport Size

    Identity Proof

    Aadhar Card, Passport, PAN Card, etc. (Only 1 is required)

    Residence Proof

    Aadhar Card, Driving License, Ration Card, etc. In the case of Rented House then the rent agreement or water/electricity bills for the last three months can be considered. (Only 1 is required)

    PNB Gold Loan Interest Rate, Fees, and Charges:

    HDFC Gold Loan Interest Rate

    7.00% per annum

    Processing Fee

    1.50% of the Principal Loan Amount

    Prepayment/Foreclosure Charges

    2%+GST (Within 3 Months), 0 (After 3 months)

    Valuation Fee

    Rs 250 for a loan up to Rs 1.5 lacs and Rs 500 for a loan over and above Rs 1.5 lacs

    Late Repayment Charges

    2% p.a. + Applicable rate of interest.

    Renewal Processing Fees

    Rs 350 + GST

    About PNB Gold Loan:

    If you face financial difficulties, defeat your crisis with the most reasonable solution, the Gold Loan. The loan for gold given is referred to as the Gold Loan. With the lender as collateral, the borrower keeps his gold ornaments and takes the cash. Get prompt approval and a process free of hassle. Accessible with records that are convenient. A loan which is covered is a gold loan. This service can also also be used conveniently by individuals who have a low CIBIL score.

    However, while there are a variety of financial banking and non-banking firms that provide you with a gold loan service, the most important factor is the PNB Gold Loan. It is one of the most reputed and reliable banks in India. It is also renowned for its financial services that are extremely good. So, apply to PNB for the Gold Loan and take advantage of the best deals for your piece.

    • PNB Gold Loan Interest Rate is 7.11% per annum
    • PNB Gold Loan Per Gram is ₹ 5,032
    • PNB Gold Loan Tenure: Up to 24 months
    • PNB Gold Loan Processing Fee is Up to 1.50% of the Loan Amount + GST

    Types of PNB Gold Loan:

    PNB provides various product-related schemes for the Gold Loan that are listed below:

    • Loan Against Gold – PNB offers, for any reason, whether personal or technological or not, gold loans at interest rates to fulfil the desperate requirement of funds. The gold loan is certainly a secured loan then; the bank has no risk of granting the amount to the individual, so it is issued at a lower rate of interest compared to various types of loan merchandise.
    • Agriculture Loan Against Gold – PNB specifically provides farmers with gold loans at a specific interest rate for farming functions compared to gold loans given for other different uses. Special deals are offered to them, and they may turn out documents of the bank land for which they are taking the loan.

    PNB Gold Loan EMI Calculator:

    Rate of Interest
    6 months
    1 Yr
    2 Yrs
    3 Yrs
    7.00% 17008 8652 4477 3088
    8.00% 17058 8699 4523 3134
    8.50% 17082 8722 4546 3157
    9.00% 17107 8745 4568 3180
    9.50% 17131 8678 4591 3203
    10.00% 17156 8791 4614 3227
    10.50% 17181 8815 4637 3250
    11.00% 17205 8838 4661 3274
    11.50% 17230 8861 4684 3298
    12.00% 17254 8885 4707 3321
    12.50% 17279 8908 4731 3345
    13.00% 17304 8932 4754 3369
    13.50% 17329 8955 4778 3393
    14.00% 17354 8979 4801 3418
    14.50% 17378 9002 4825 3442
    15.00% 17403 9026 4845 3466

    How to Pay Your PNB Gold Loan EMI?

    Your PNB gold loan is typically repaid using the following three alternative methods:

    • Standing Instruction (SI): Standing Instruction is the simplest and most safe form of payment if you are already an account holder with PNB. Your EMI number will be credited automatically at the end of the month to month number from the PNB bank account you show.
    • Electronic Clearing Service (ECS): Usually, if you have a non-PNB record, this payment method is used, and you would like your EMIs to be debited from the account you listed to us near the decline of the month-to-month phase.
    • Post-Dated Checks (PDC): You can reveal your post-dated EMI reports from a non-PNB financial statement at your nearest PNB Loan Centre. There was a need to grant a new version of PDCs promptly. If you note that Post Dated Checks are progressing because it was, it would be fine to collect non-ECS states.

    PNB Gold Loan Contact Number:

    To receive immediate support and approval for your Gold Loan from Axis Branch, call 9878981144. You can quickly get to know the most effective Gold Loan deals out there from all PNB branches worldwide to use the most productive offer applicable to your wishes.

    Gold Ornaments Accepted by PNB :

    • For e.g, gold jewellery, gold bracelets, gold bands, gold anklets, gold necklaces, and so on. PNB has bought all of these ornaments for a gold loan.
    • Quality: The gold must vary in quality from 18 to 22 carats. Any gold decoration that is 24 carats will not be used when applying for a gold loan.

    Use of PNB Gold Loan:

    The funds raised by the use of the PNB Gold Loan service can be used for many functions, such as:

    • To fund those personal investments, such as marriage, hiking, higher rates for education, etc.
    • For all of your marketing requirements, such as getting supplies, designing, promoting, etc., loan programmes are still available.
    • Furthermore, for agricultural ideas, you can also gain from a Gold Loan. The bank has lower gold loan interest rates that are used for farming or associated ventures.

    Gold Loan Interest Rate of Major Banks


     Interest Rates

    HDFC Bank Gold Loan

    7.11% – 14.50%

    ICICI Gold Loan

    7.11% – 16.10%
    Muthoot Finance Gold Loan

    7.11% – 24.00%

    Axis Bank Gold Loan

    7.11% – 17.11%
    Manappuram Gold Loan

    7.11% – 26.00%

    Yes Bank Gold Loan

    7.11% – 15.99%
    Bank of India Gold Loan

    7.11% – 26.00%

    Federal Bank Gold Loan 

    7.11% – 13.50%
    IIFL Gold Loan

    7.11% – 12.00%

    Central Bank of India Gold Loan

    7.11% – 14.65%

    Canara Bank Gold Loan

    7.11% – 12.65%

    Allahabad Bank Gold Loan

    7.11% – 10.45%

    Induslnd Bank Gold Loan

    7.11% – 15.75%
    PNB Gold Loan

    7.11% – 11.75%

    Bajaj Finance Gold Loan

    7.11% – 26%
    SBI Gold Loan

    7.11% – 15.99%

    Indian Bank Gold Loan

    7.11% – 15.99%
    UCO Bank Gold Loan

    7.11% – 26.00%

    Kotak Mahindra Bank Gold Loan

    7.11% – 13.50%
    Syndicate Bank Gold Loan

    7.11% – 12.00%


    FAQs About PNB Gold Loan:

    • What is PNB Gold Loan?

    The PNB Gold Loan is a form of loan that you can only use for urgent financial assistance by keeping your gold as collateral with the bank. Term Loan, Overdraft, and EMI interest rates dependent predominantly on loans are also included. The average Gold Loan disbursement time in India is only 45 minutes.

    • How can I get the Gold Loan from PNB?

    You can get a PNB Gold Loan by visiting any of India’s gold loan approving branches; otherwise, you can apply online with LendingWale from the comfort of your home and take the best offers and deals. It is one of the few leading banks in India offering Gold Loan facilities.

    • What is the Gold Loan Interest Rate in PNB?

    The gold loan rate in India is 7.11 per cent per annum. In general, the interest rate depends on a number of components, namely: the volume of the loan, the tenure of the loan, the purity of gold, and the relationship with the bank.

    • How much Gold Loan can I get per gram in PNB?

    The gold loan you will get from PNB per gramme depends on the purity of your gold. PNB accepts gold of purity from 18 carats and 22 carats to provide a gold loan. You could use up to 5,032 per gramme on the PNB Gold Loan.

    • How to check Gold Loan status in PNB?

    To assess your PNB Gold Loan status, you just need to go to the PNB loan status tracker website and fill in your details with the application issued. You can monitor your loan’s status directly from anywhere and keep it updated

    • How to calculate Gold Loan Interest in PNB?

    You can determine the interest on your PNB Gold Loan interest through the LendingWale ‘EMI Calculator, which gives you right amounts based on the information you enter into the calculator.

    • How to Pay PNB Gold Loan Interest Online?

    You can easily pay PNB Gold Loan interest online via internet banking on the official PNB loan repayment website or else; you can also repay your PNB Gold Loan on Paytm using the most common payment form.

    • What if I can’t pay the interest on PNB Gold Loan for 3 months?

    If you do not pay the PNB Gold Loan within three months, the bank will first inform you of your uncompleted dues. If the payment requests go unanswered, a formal legal notice regarding the repayment and termination of the loan is distributed. Defaulting on your gold loan leads to a decline in your credit score which allows you to face legal action by the bank, along with the confiscation which sale of your gold.

    • How can I apply for EMI Moratorium on PNB Gold Loan?

    You can currently apply for an EMI moratorium on the PNB Gold Loan between 1 March and 31 August 2020 and must do so by contacting the bank’s customer service department or by visiting the nearest branch of PNB.