DBS Non Agricultural Gold Loan


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 customers to meet personal and business expenses. DBS Bank Gold loan is available at all branches and comes with instant disbursal in 30 mins*, low interest rates & 50% waiver in processing fees** (**limited period offer)

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

Salient Features

Option to avail Personal Accident Cover for less than 1 per day*
The DBS 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 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


  • The loan can be availed by individuals to meet their personal and business expenses
  • Loan offered against pledge of gold ornaments owned by the individuals

Loan Value Offered

  • Up to 66% of the value of 22 ct. gold ornaments

Rate per Gram

  • Rs.3664 w.e.f. 27th Nov 2023

Loan Quantum

  • Minimum - ₹25,001
  • Maximum - ₹30 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 ₹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 ₹1000/- per limit.

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

0.20% of the facility amount 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

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.

BT Charges

Loan Amount

BT Charges *

<2 Lakh


2 to 5 lakh


>5 lakh


*T&C apply

Processing Charges

  • For loans up to ₹25,000 : 0.10% of the facility amount
  • For loans of above ₹25,000 : 0.40% of the facility amount without any cap

Documents Required

  • ID proof
  • Address proof
  • Two recent passport size photographs

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

Customer education advisory on Prudential norms

Click here to view Customer Education Advisory

Do More, Live More with DBS Bank

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

Whether it’s smarter savings, better investments, easy personal loans, international fund transfers - your digibank is designed to help you live better. It’s so easy, it feels like magic!

Personal Loan

Fast-track your life with instant paperless DBS Bank personal loans of up to ₹15 Lakhs.

Fixed Deposit

Stay ready for every contingency and rainy days with fixed deposits at a higher interest rate.

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Make goal-oriented savings effortlessly at a higher interest rate!


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Through thick and thin, we’ve got you covered with health insurance plans for the family, automobile insurance and travel insurance.