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PNB Gold Loan

Gold Loan @ 7%

Apply & Get Instant Money

PNB Gold Loan Key Features

PNB Gold Loan Amount Up to Rs. 1 Crore (With Income Proof)
PNB Gold Loan Interest Rate 7.0% per annum
PNB Gold Loan Per Gram Rate Per Gram Today is ₹ 5,268
PNB Gold Loan Processing Fee 1.50% of the Principal Loan Amount
PNB Gold Loan Prepayment Charges 2%+GST (Within 3 Months), 0 (After 3 months)
PNB Gold Loan Repayment Tenure 3 Months to 24 Months
PNB Gold Loan Repayment Scheme Bullet Payment Scheme, Overdraft Scheme

Advantages of PNB Bank Gold Loan:

  • Speedy Practice: PNB Gold Loan is sanctioned and dispensed hurriedly and efficiently. The credit gets passed in  60 minutes.
  • Fewer Documents: The documents needed are minimum in number and a very clear practice is done.
  • Transparent System: The bank clarifies the loan consumers; that is, there are no covered charges.
  • The extent of Loan: PNB Bank provides formally Rs. 15000. to the clients and even less to the clients from rustic areas, that is; Rs. 10000.
  • Jewellery is Secured: It is the work of PNB Bank to keep the ornaments safe. They should be protected from heat.
  • Tenure of Allowance: The tenure of the credit varies from 3 months to 2 years. Therefore, the applicant can act accordingly.
  • Favourable to Farmers: PNB bank stimulates exclusive offers to the cultivators. They are given loans at a low banking rate.
  • No Debt Burden: Situations in which the client is financially shaky, the bank will take your ornaments and keep it with them till the time you repay them.
  • No Income bounds: Each individual has not the same amount of money, thus it is unreasonable to distribute loans based on income. Hence, PNB Bank decides not to give loans based on individuals earning.

How Much Gold Loan can I Get through PNB Bank Gold Loan:

PNB Gold Loan Per Gram – Updated September 2020

Updated - Gold Loan Per Gram Rate

Gold Weight

Gold Purity

Gold Purity

Gold Purity

Gold Purity

24 Carat

22 Carat

20 Carat

18 Carat

1 gram

4680 4290 3900 3510

10 gram

46800 42900 39000 35100

20 gram

93600 85800 78000 70200

30 gram

140400 128700 117000 105300

40 gram

187200 171600 156000 140400

50 gram

234000 214500 195000 175500

100 gram

468000 429000 390000 351000

200 gram

936000 858000 780000 702000

300 gram

1404000 1287000 1170000 1053000

400 gram

1872000 1716000 1560000 1404000

500 gram

2340000 2145000 1950000 1755000


PNB Gold Loan Eligibility:


18-70 years of age



Employment Status

Salaried, Self-Employed

Gold Quality

Minimum 18 Carats


PNB Bank Gold Loan Documents Required:


2 Passport Size

Identity Proof

Aadhar Card, Passport, PAN Card, etc. (Only 1 is required)

Residence Proof

Aadhar Card, Driving License, Ration Card, etc. In the case of Rented House then the rent agreement or water/electricity bills for the last three months can be considered. (Only 1 is required)


PNB Gold Loan Interest Rate, Fees, and Charges:

Gold Loan Interest Rate

7.00% per annum

Processing Fee

1.50% of the Principal Loan Amount

Prepayment/Foreclosure Charges

2%+GST (Within 3 Months), 0 (After 3 months)

Valuation Fee

Rs 250 for a loan up to Rs 1.5 lacs and Rs 500 for a loan over and above Rs 1.5 lacs

Late Repayment Charges

2% p.a. + Applicable rate of interest.

Renewal Processing Fees

Rs 350 + GST


About PNB Gold Loan:

PNB Gold Loan is the most secured loan. It provides the requisites for the monetary requirement in exchange for gold assets. PNB is the most reputed and reliable gold loan provider. It is the greatest banking institute and completely differs from other banking or non-banking companies. It serves outstanding financial assistance with a minimum rate of interest and high funding.

  • PNB Bank Gold Loan Interest Rate is 7.0% per annum
  • PNB Bank Gold Loan Per Gram is ₹ 5,268
  • PNB Bank Gold Loan Tenure: Up to 24 months
  • PNB Bank  Gold Loan Processing Fee is Up to 1.50% of the Loan Amount + GST

Types of PNB Bank Gold Loan:

  • Loan Against Gold – Gold Loan guarantees you brilliant services. PNB Bank gives loans to the people so that they can perform their awaiting targets and can meet the needs. Comparatively, a gold loan is provided to the clients at a low-interest rate than the other kind of credits served. This does not cause any doubt to the bank in granting them a huge amount.
  • Loan Against Gold for Agriculture – PNB bank gives engaging interest rate to the agricultural works and workers with exceptional offers. PNB Bank will assure them a loan at a slightly low bank rate. Likewise, you have to provide land evidence to the bank.

PNB Bank Gold Loan EMI Calculator:

Rate of Interest
6 months
1 Yr
2 Yrs
3 Yrs
7.00% 17008 8652 4477 3088
8.00% 17058 8699 4523 3134
8.50% 17082 8722 4546 3157
9.00% 17107 8745 4568 3180
9.50% 17131 8678 4591 3203
10.00% 17156 8791 4614 3227
10.50% 17181 8815 4637 3250
11.00% 17205 8838 4661 3274
11.50% 17230 8861 4684 3298
12.00% 17254 8885 4707 3321
12.50% 17279 8908 4731 3345
13.00% 17304 8932 4754 3369
13.50% 17329 8955 4778 3393
14.00% 17354 8979 4801 3418
14.50% 17378 9002 4825 3442
15.00% 17403 9026 4845 3466


How to Pay Your PNB Bank Gold Loan EMI?

  • Standing Instruction (SI): Standing Instruction is the constant and loyal process of compensation if you are a current account holder if PNB Bank. Your EMI can simply credit from the present record.
  • Electronic Clearing Service (ECS): This practice is taken in use only and only if you have a non-PNB bank record and you wish for EMI to be debited from your current account.
  • Post-Dated Checks (PDC): Post Dated EMIs should be analyzed from the non-PNB bank at the PNB Bank loan centre located nearby. And, your new PCDs submission should be on time.

PNB Bank Gold Loan Contact Number:

Give a ring to 9878981144 for more details and best deals and offers of PNB Bank Gold Loan.

Gold Ornaments Accepted by PNB Bank:

  • Gold Jewellery- Bank accepts Gold bracelet, Gold rings, or Gold Necklace. Any ornament can be admitted but it should be of gold.
  • Quality- Pure gold is admitted to the bank and the value should be between 18-22 carats.

Use of PNB Gold Loan:

  • Marketing requirements and willing to grow your business online can be easily achieved by the capital obtained.
  • Necessities like medical fees, education fees, travelling expenses everything can be done by this.
  • Farmers can get the money to fulfilling their horticultural needs.

Gold Loan Interest Rate of Major Banks


 Interest Rates

HDFC Bank Gold Loan

7.00% – 14.50%

ICICI Gold Loan

7.00% – 16.10%
Muthoot Finance Gold Loan

7.00% – 24.00%

Axis Bank Gold Loan

7.00% – 17.00%
Manappuram Gold Loan

7.00% – 26.00%

Yes Bank Gold Loan

7.00% – 15.99%
Bank of India Gold Loan

7.00% – 26.00%

Federal Bank Gold Loan 

7.00% – 13.50%
IIFL Gold Loan

7.00% – 12.00%

Central Bank of India Gold Loan

7.00% – 14.65%

Canara Bank Gold Loan

7.00% – 12.65%

Allahabad Bank Gold Loan

7.00% – 10.45%

Induslnd Bank Gold Loan

7.00% – 15.75%
PNB Gold Loan

7.00% – 11.75%

Bajaj Finance Gold Loan

7.00% – 26%
SBI Gold Loan

7.00% – 15.99%

Indian Bank Gold Loan

7.00% – 15.99%
UCO Bank Gold Loan

7.00% – 26.00%

Kotak Mahindra Bank Gold Loan

7.00% – 13.50%
Syndicate Bank Gold Loan

7.00% – 12.00%


FAQs About PNB Bank Gold Loan:

  • What is PNB Gold Loan?

PNB Gold Loan is the best way to use your idly lied golds and also you can earn money from this. It is profit-driven as it provides loans at a low-interest rate.

  • How can I get the Gold Loan from PNB Bank?

Visit the online BookMyLoans website for a gold loan from PNB bank. Otherwise, you can visit the nearest PNB Bank branch.

  • What is Gold Loan Interest Rate in PNB Bank?

The Gold Loan interest rate of PNB Bank is 7.0%.

  • How much Gold Loan can I get per gram in PNB Bank?

You can get Rs. 5,268 Per Gram in PNB Bank.

  • How to check Gold Loan status in PNB Bank?

By visiting the PNB Bank Gold Loan tracker webpage you can view your gold loan status or you can visit the nearest branch of PNB Bank and stay updated

  • How to calculate Gold Loan Interest in PNB Bank?

EMI Calculator can be used to perform your calculative activities related to the gold loan.

  • How to Pay PNB Bank Gold Loan Interest Online?

Online payment is the easiest method for everyone. You only have to select the payment mode like Paytm or any other favourable method.

  • What if I can’t pay the interest on PNB Bank Gold Loan for 3 months?

Customers are accountable for not paying interest on PNB Bank Gold Loan for 3 months. They should show their augmentation and get the payment done soon. Otherwise, legitimate activities can be performed.

  • How can I apply for EMI Moratorium on PNB Bank Gold Loan?

For EMI Moratorium you are pleased to the nearest branch of PNB bank. Similarly, you can also get in touch with customer care at loan service.