DBS Gold Loan - Agri

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DBS, Asia’s Safest Bank, is redefining Gold Loans. Created especially for our customers, DBS Gold Loans offer an easy and hassle-free option to farmers for funding farming and allied activities. These loans are available at all branches and enable farmers to unlock the value of their gold ornaments and avail of higher rates to fulfill their credit needs. DBS Gold loans come with instant disbursal in 30 mins*, low interest rates & 50% waiver in processing fees** (**limited period offer)

All this and more make DBS Gold Loans the Gold Standard of Gold Loans.

Salient Features

Option to avail Personal Accident Cover for less than Rs.1 per day*
The DBS Gold Loan comes with an optional accompanying insurance cover that protects your gold for less than Rs.1 per day*

Sum insured/ Tenure

₹ 5,00,000

₹ 10,00,000

₹ 15,00,000

₹ 20,00,000

₹ 25,00,000

Premium to be paid for 1 Year

₹ 202

₹ 404

₹ 604

₹ 805

₹ 1,007

Gold loan customer can avail personal accident insurance cover under policy*
Max Sum Insured covered would be up to 25 *lakhs Age 18 to 65 years *
Policy tenure can be till loan period, up to maximum 5 years*

*Insurance cover is arranged by DBS Bank Limited through Go Digit General Insurance Limited under Digit Group Total Protect Policy (UIN: GODPAGP21491V022021). For more details, please read policy terms and conditions carefully before enrolment.

  • Attractive interest rates
  • 50% waiver in processing fees* (*Limited period offer)
  • Attractive per gram rate
  • Instant loan disbursal in 30 mins* (*T&C Apply)
  • Upholding your age old trust: You can expect the same trust and warmth that has brought you smiles in the past


  • Individual agriculturists engaged in farming and allied activities are eligile to avail these loans
  • Loan offered against pledge of gold ornaments owned by the farmer

Loan Value Offered

  • Up to 75% of the value of 22 ct. gold ornaments

Rate per Gram

  • Rs.4341 w.e.f. 25th Sep 2023

Loan Quantum

  • Minimum - Rs.25001
  • Maximum - Rs.20 lakhs

Rate of Interest


Revised ROI

Loan Facility/

Base (Repo Rate)








Non Agri




For consolidated schedule of charges on Gold Loan, please refer this below table.

Gold Loan Product

Existing Applicable charges

Loan Facility/ Product

Gold Loan Agri

Gold Loan Non-Agri

Rate of Interest



Processing Fees to Bank

(GST of 18% to be collected in addition)

0.20% of the facility amount subject to a max. of Rs.1000/- per limit.

0.40% of the facility amount without any cap.

1st Appraiser Commission

0.20% of the limit subject to a max. of Rs.1000/- per limit.

0.20% of the limit subject to a max. of Rs.2000/- per limit.

2nd Appraiser Commission (applicable only when customer exposure exceeds Rs.10 lakhs)


0.20% of the facility amount subject to a max. of Rs.400/- per limit.

0.20% of the facility amount subject to a max. of Rs.400/- per limit.

Stamp Duty Charges

Recovered from Customers as per actual stamp duty rates (state wise) communicated from time to time.

Penal Charges

Penal interest at the rate of 2% over the prescribed interest rate from time to time will be charged for irregularities like overdue, exceeding the LTV ratio, etc. in the Gold Loan accounts.

Processing Charges

  • Nil up to Rs.25,000
  • For loans of above Rs.25,000 : 0.20% of the facility amount subject to a max. of Rs.1000 per limit.

*Appraisal commission to be borne by the customer

Documents Required

  • a) ID proof
  • b) Address proof
  • c) Two recent passport size photographs
  • d) Documents evidencing possession of agricultural land such as chitta, patta, adangal, etc.

Note: For existing customer of the bank, KYC documents and photographs not required

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