DBS Agricultural Gold Loan

Have you taken the Gold Loan Test?

DBS Bank, Asia’s Safest Bank, is redefining Gold Loans. Created especially for our customers, DBS Bank 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 loan amounts to fulfil their credit needs. DBS Bank Gold loans come with instant disbursal in 30 mins.

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


Attractive interest rates


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 eligible to avail these loans
  • Loan offered against pledge of gold ornaments owned by the farmer

Loan Value Offered

  • Up to 85% of the value of gold collateral.

Rate per Gram

  • Rs.5328 w.e.f. 03rd Jun 2024

Loan Quantum

  • Minimum - ₹25,001 
  • Maximum - ₹20 lakhs

Schedule of Charges

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

Gold Loan Product

Applicable charges

Loan Facility/ Product

Gold Loan Agri

Rate of Interest

9.5% to 12.00%

Processing Fees to Bank

(GST of 18% to be collected in addition)

Up to 0.40% of the facility amount subject to a Max of ₹2000 per limit

1st Appraiser Commission *

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

2nd Appraiser Commission (applicable only when customer exposure exceeds ₹15 lakhs)

0.20% of the limit subject to a max. of ₹400/- per limit.

Stamp Duty Charges

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

Penal Charges

(GST of 18% to be collected in addition)

3% per annum will be charged on the Outstanding Balance for irregularities like delayed payment and exceeding the LTV ratio/Margin Breach at 85% at the time of loan closure.

*Appraisal commission to be borne by the customer

Balance Transfer (BT) Charges:

Loan Amount

BT Charges *

Less than ₹ 2 Lakhs

₹ 350

₹ 2 lakhs to ₹ 5 lakhs

₹ 500

₹ 5 lakh and above

₹ 750

Note: BT is a balance transfer program to takeover gold loan limit from other financial institutions.

*T&C apply

Documents Required

  • ID proof ( Pan card, Aadhaar card, valid Driving license, Voter ID )
  • Address proof ( Aadhaar card, valid Driving license, Voter ID )
  • Two recent passport size photographs
  • 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

"Loan to be granted for agricultural/business/personal purposes only. Loan cannot be availed for purchase of gold coins, jewels or jewellery, land or any speculative purposes. Loan approval is at sole discretion of DBS Bank"

General Terms and Conditions

Click here to view general terms and conditions

Customer education advisory on Prudential norms

Click here to view Customer Education Advisory

Gold loan Eligibility calculator

Click here to view Gold loan Eligibility calculator

Salient Features of Gold Loan personal accidental insurance

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

Sum insured/ Tenure






Premium to be paid for 1 Year






Gold loan customers can avail of personal accident insurance cover under the 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.

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Personal Loan

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