Loan
Gold Loan
Non-Agricultural Gold Loan

Fulfill Your Funding Needs with a Gold Loan

DBS Bank, Asia’s Safest Bank, offers simple and quick Gold Loans for salaried individuals, self-employed professionals, and business owners. Leverage the value of your gold ornaments to secure a higher loan amount to meet your personal or business financial needs, with attractive interest rates and secure processing.

Discover the Benefits & Features of DBS Gold Loans

DBS Gold Loans provide easy access to funds for both personal and business needs. Learn more about the benefits of applying for a gold loan online with DBS Bank

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Flexible Repayment Options - Monthly Interest, Quarterly Interest, EMI, EQI (Quarterly Instalments),Bullet, OD.

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Gold loan tenures are available from 6 months up to 36 months.

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Gold loans from ₹25,001 to ₹50,00,000 with secure gold storage.

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Competitive Rate per Gram at up to INR 5,972 (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.

Gold Loan Calculator

Our Gold Loan Eligibility Calculator helps you determine how much you can borrow against your gold. It’s a great tool to explore the potential of a loan against gold, whether you need funds for personal expenses or business needs.

Eligibility Criteria for DBS Bank Non-Agricultural Gold Loan

  • The loan can be availed by An Indian resident individual to meet their personal and business expenses
  • Loan offered against gold ornaments owned by the individuals
  • Gold Loan to be granted for personal or business purposes only. 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 Apply for a DBS Bank 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 Gold 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 Non-Agricultural Gold Loan

To apply for a non-agricultural gold loan with DBS Bank, please provide the following documents:

  • ID proof (PAN card, Aadhaar card, valid Driving License, Voter ID).
  • Address proof (Aadhaar card, valid Driving License, Voter ID).

Use Your Gold for Various Financial Needs

A DBS Bank gold loan can help you manage different financial requirements with ease:

  • Personal Expenses: Use your gold to cover daily expenses or unplanned costs.
  • Business Growth: Secure capital for business operations or expansion with a loan against gold.
  • Emergency Finance: Quickly access funds during urgent situations through an easy gold loan.
  • Home Improvements: Fund your home upgrades or renovations without depleting savings.

Explore these practical options to make the most of your gold with DBS Bank.

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

Whether it’s smarter savings, better investments, easy personal loans, loan against property, or fast international transfers, digibank by DBS offers seamless solutions designed to meet your financial needs with efficiency and ease.

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Personal Loan

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

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Consumer Loan Against Property

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Unlock the value of your property to fund personal or business needs with easy repayment options.

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Explore these and many more ways DBS Bank is helping you achieve your financial goals!

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 salaried, self-employed professionals and business owners etc. 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)
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,9 Months,12 months, 24 months and 36 months tenure.

What is the Loan-to-Value (LTV) ratio for a Gold Loan?
The Loan-to-Value (LTV) ratio for Non Agri Gold Loan is up to 75% (T&C)
How do I repay the Gold Loan?

Currently the loan repayment options available are Monthly Interest, Quarterly Interest, Bullet repayment, EMI (Equated Monthly Instalments), EQI (Equated Quarterly Instalments) and Overdraft.

  • Under Monthly Interest repayment facility, interest is payable monthly and principal at the end of loan tenure.
  • Under Quarterly Interest repayment facility, interest is payable quarterly and principal at the end of loan tenure.
  • Under Bullet repayment facility, interest and principal is payable at the end of the loan tenure.
  • Under EMI (Equated Monthly Instalments) / EQI (Equated Quarterly Instalments) repayment option, borrower will repay the principal/loan together with the interest calculated on the reducing principal balance as per repayment schedule.
In case of Overdraft facility, interest is payable on monthly basis.
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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