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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 customers to meet personal and business expenses. DBS Gold loan is available at all branches and 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.
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.
Revised ROI
Loan Facility/
Base (Repo Rate)
Margin
ROI
Product
Agri
6.50%
5.50%
12.00%
Non Agri
6.75%
13.25%
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.
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.
Note: For existing customer of the bank, KYC documents and photographs not required
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