DBS Non 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 individuals who are salaried, self-employed, professionals etc for their personal & business requirements. These loans are available at all branches and enable customers 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


  • 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 75% of the value of gold collateral

Rate per Gram

  • Rs.4363 w.e.f. 03rd June 2024

Loan Quantum

  • Minimum - ₹25,001
  • Maximum - ₹30 lakhs

Rate of Interest

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

Gold Loan Product

Applicable charges

Loan Facility/ Product

Gold Loan Non-Agri

Rate of Interest

10.75% to 13.25%

Processing Fees to Bank

(GST of 18% to be collected in addition)

0.40% of the facility amount without any cap.

1st Appraiser Commission *

0.20% of the limit subject to a max. of ₹2000/- 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 75% 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

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 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.

Do More, Live More with DBS Bank

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complete KYC

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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.

Recurring Deposit

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


Keep love and life undelayed with instant international transfers at no extra cost.


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