Make your idle gold jewelry work for you. Avail quick loan against your gold jewelry for your personal or business requirements. Use the loan amount for medical emergencies, higher studies, business expansion or for agricultural needs. DCB Gold Loan can help fulfil all such needs with ease.
Maximum gold loan eligibility against appraised value of your gold ornaments to get quick access to funds from minimum ₹ 10K to maximum upto ₹ 30 Lakh, at low gold loan interest rates and with flexible repayment plans from 1 to 5 years.
DCB Gold Loan offers your term loan with the choice between two repayment options - monthly interest servicing or monthly EMI-servicing loans with a tenure of up to 60 months. DCB Bank also has a unique overdraft facility with gold loan to save on interest.
Gold loan overdraft is a Credit facility offered to customers against their gold jewellery to avail of credit with a limit to use when they need funds to cover expenses.
The DCB Gold Loan experience for you means:
Ranges from ₹ 10,000 to ₹ 30 Lakh, based on valuation of gold ornaments.
Avail loan up to 75% of the appraised gold value as your loan amount.
Tenure ranges from 1 to 5 years, as per your requirement.
Our fire-proof lockers ensure the safe storage of your gold ornaments.
DCB Gold Loan is available across Bank’s branch network pan India.
Choose between convenient EMI or interest payments every month.
A gold loan is a type of secured loan where gold jewellery or ornaments are pledged as collateral in exchange for funds.
Any individual between the age group of 18 to 70 years with their own gold, whether a businessman, farmer, salaried, or self-employed individual, can apply for a Gold Loan with DCB Bank. Use our Gold Loan Eligibility Calculator to check your eligibility in clicks.
Applying for DCB Gold Loan is simple and easy.
Yes, you can pledge ornaments with stones. However, while valuing, only the gold weight will be considered.
Yes, partial withdrawal is allowed, and there are associated processing charges for availing of this facility.
Any ornament below 18 carats and those whose valuations cannot be determined will not be eligible for funding.
No. Gold bars and biscuits are not considered for loans as they are not in the form of ornaments. However, specially minted coins issued by banks will only be accepted for loan.
Yes, upon the customer’s request, the loan can be foreclosed before the end of the tenure. However, the customer needs to be present in person and can initiate the process in the same branch where it was originally booked. Please note some charges would apply: 1% + GST if closed within 180 days of applying for the loan and there are no foreclosure charges if closed after 180 days.
The additional charges would be in the form of stamp duty and are to be paid to the government, based on the stamp duty grid of your respective state. All charges applicable are available at https://www.dcbbank.com/customer-corner
You can contact us through the following methods: