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.
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* |
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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 customers can avail of personal accident insurance cover under policy* |
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
|
Revised ROI |
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Loan Facility/ |
Base (Repo Rate) |
Margin |
ROI |
Product |
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Agri |
6.50% |
5.50% |
12.00% |
Non Agri |
6.50% |
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 |
12.00% |
13.25% |
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. |
Loan Amount |
BT Charges * |
<2 Lakh |
350 |
2 to 5 lakh |
500 |
>5 lakh |
750 |
*T&C apply
Note: For existing customer of the bank, KYC documents and photographs not required
Click here to view Customer Education Advisory
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