Loan
Gold Loan
Agricultural Gold Loan:

DBS Bank’ s Agricultural Gold loans offers an easy and hassle-free option to farmers for funding Agricultural and allied activities. With quick access to funds, secure gold storage, and transparent fees our agriculture gold loan is an accessible and convenient option for farmers requiring immediate financial support.

DBS Bank Gold Loan for Farmers: Features & Benefits

DBS Bank’s agriculture gold loan for farmers is a reliable way to meet financial needs confidently. Here’s how our Agri gold loan supports your agricultural ambitions:

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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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Up to 85% Loan-to-Value of your gold collateral, offering loans from ₹2,00,001 to 20,00,000 with secure gold storage.

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Competitive Rate per Gram at up to INR 6,796 (effective from 28th April 2025).

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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

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Agriculture Gold Loan Calculator

Determining the right agriculture gold loan amount is simple with the right tools. Our Gold loan Eligibility calculator helps farmers assess their gold loan quickly. Simply input your details to estimate your eligibility and plan your financing with confidence.

Eligibility Criteria for Agricultural Gold Loan

  • An Indian resident individual agriculturist engaged in Agriculture and allied activities are eligible to avail these loans
  • Loan offered against gold ornaments owned by the farmer.
  • 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 Avail Agricultural 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 or give a missed call on 7669019999 for assistance.

DBS Bank Agriculture Loan Interest Rate & Charges

For detailed insights into DBS Bank gold loan interest rates and fees, visit our Gold Loan Fees & Charges page. This page offers a transparent breakdown of all costs associated with loan against gold, helping you understand the terms before you decide to apply for a gold loan.

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Documents Required for agriculture gold loan

  • ID proof (PAN card, Aadhaar card, valid Driving License, Voter ID)
  • Address proof (Aadhaar card, valid Driving License, Voter ID)
  • Proof of agricultural land records / allied agricultural activity

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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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, agriculturalist 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)
  • Proof of agricultural land records /allied agricultural activity. (In case of Agri Loan)
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,12 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% and for Agri Gold Loan is up to 85%.
How do I repay the Gold Loan?

Currently Loan repayment options available is Bullet repayment option. Interest and principal is payable at the end of the loan tenure.

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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