Loan
Gold Loan
Agricultural Gold Loan

Fulfil Your Funding Needs with a Gold Loan

DBS Bank’ s Agricultural Gold loans offers an easy and hassle-free option to farmers for funding Agricultural and allied activities. With quick access to funds, secure gold storage, and transparent fees our agricultural gold loan is an accessible and convenient option for farmers requiring immediate financial support.

Discover the Benefits & Features of DBS Gold Loans

DBS Bank’s Agricultural gold loan for farmers is a reliable way to meet financial needs confidently. Here’s how our Agri gold loan supports your agricultural ambitions:

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Bullet repayment option available.

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Gold loan tenures are available from 6 months up to 12 months.

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Gold Loan from ₹2,00,001 to 20,00,000 with secure gold storage.

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Competitive Rate per Gram at up to INR 6,796 (effective from 28th April 2025).

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Attractive Interest Rates for a cost-effective loan with flexible terms.

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Quick and Hassle-free Disbursal for fast access to funds.

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Get optional Personal Accident Insurance and enjoy coverage of up to INR 25 lakhs for a daily cost of under INR 1*

 

 

Sum insured

₹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

*The product price is determined solely at the discretion of the insurer.

Key Details:

  • Maximum sum insured: Up to ₹25 lakhs.*
  • Eligible age: 18 to 65 years.*
  • Policy validity: 1 year from the risk start date. Customers with an active gold loan facility may renew or purchase a new policy as per the defined terms and conditions.

*Note: This insurance is arranged by DBS Bank Limited through Manipal Cigna Health Insurance Company Limited under the Manipal Cigna Lifestyle Protection Group Policy (UIN: MCIPAGP21235V032021). For full details, review the policy terms and conditions carefully before enrolling.

Agricultural Gold Loan Calculator

Determining the right Agricultural gold loan amount is simple with the right tools. Our Gold loan Eligibility calculator helps farmers assess their gold loan quickly. Simply input your details to estimate your eligibility and plan your financing with confidence.

Eligibility Criteria for Agricultural Gold Loan

  • An Indian resident individual agriculturist engaged in Agriculture and allied activities are eligible to avail these loans
  • Loan offered against gold ornaments owned by the farmer.
  • Gold Loan cannot be availed for purchase of gold coins, jewels or jewellery or any speculative purposes. Gold Loan approval is at sole discretion of DBS Bank.
  • Gold loan is offered in below states and Union Territory -
    Kerala, Tamil Nadu, Karnataka, Andhra Pradesh, Telangana, and Pondicherry.

Steps to Avail Agricultural Gold Loan

  1. Click "Apply Now" to access the loan application form.
  2. Enter Personal Details and specify the loan amount.
  3. Submit Your Application to authorize DBS Bank to contact you with next steps.
  4. Alternatively, visit the nearest DBS Branch or give a missed call on 7669019999 for assistance.

DBS Bank Agriculture Loan Interest Rate & Charges

For detailed insights into DBS Bank Gold Loan Interest Rates Click here

For details on fees and charges view the Schedule of Charges here

Documents Required for DBS Bank Agricultural Gold Loan

  • ID proof (PAN card, Aadhaar card, valid Driving License, Voter ID)
  • Address proof (Aadhaar card, valid Driving License, Voter ID)
  • Proof of agricultural land records / allied agricultural activity

Think That's All? There's more where that came from!

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Frequently Asked Questions

What is a Gold Loan?
A loan taken against your gold ornaments is known as a gold loan. It is a quick and straightforward process to obtain funds against your gold ornaments with minimal documentation at competitive interest rate with flexible tenures.
What are the benefits of taking a gold loan with DBS bank?
DBS Bank ensures a 100% transparent and hassle-free process for gold loans, right from valuation until disbursement, which is carried out in front of the customer.
Who is eligible to get a Gold Loan?
Indian resident individuals above 18 years of age who are agriculturalist and doing Agricultural and allied activities can avail gold loan with DBS Bank.
What documents are required to apply for a Gold Loan?
  • ID proof (Pan card, Aadhaar card, valid Driving license, Voter ID)
  • Address proof (Aadhaar card, valid Driving license, Voter ID)
  • Proof of agricultural land records /allied agricultural activity. (In case of Agri Loan)
What are the allowed collaterals that can be pledged for a gold loan?
Gold ornaments of 18 carat to 22 carat and gold coins issued by banks (maximum 50 grams per Borrower) are acceptable.
What are the different gold loan tenures available?
DBS bank offer gold loan with multiple tenure option of customer choice for 6 months,12 months.
What is the Loan-to-Value (LTV) ratio for a Gold Loan?
The Loan-to-Value (LTV) ratio for Agri Gold Loan is up to 85%. (T&C)
How do I repay the Gold Loan?

Currently the loan repayment options available for Agri Gold is Bullet repayment option.

  • Under Bullet repayment facility, interest and principal is payable at the end of the loan tenure.
Can I foreclose or prepay my Gold Loan?
Yes, you can foreclose or prepay your Gold Loan.
Can I partially repay the Gold Loan amount?
You can make part-payment, but the gold jewellery will be released only after the entire outstanding amount is repaid.
Is part-release option available for the Gold Loan?
No, the part release option is not available in Gold Loan.
Do I need a guarantor to avail gold loan?
While availing the Gold Loan with DBS Bank, no guarantor is required.
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