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DCB Bank Gold Loan

Home DCB Bank DCB Bank Gold Loan

DCB Bank offers gold loan against gold jewellery and specially minted coins issued by the bank at an interest rate starting from 9.55% p.a. for loan amount of up to Rs 30 lakh and for tenures of up to 5 years. The applicants can repay their gold loan through EMI option or bullet repayment option.

Updated: 09-04-2025 11:05:31 AM

DCB Gold Loan Highlights – 2025
Interest Rate 9.55%-18.00% p.a. (For Term Loan & Overdraft)
Loan Amount Rs 10,000-Rs 30 lakh
LTV Ratio Up to 75% of gold’s market value
Tenure 1-5 years
Part-payment / Foreclosure Fees
  • 1% on the loan amount paid, within 180 days of sanction
  • Nil, if paid beyond 180 days of sanction

Rates as of 24 Jan 2025

DCB Bank Gold Loan Interest Rates

Loan Amount Interest Rate (p.a.)
Term Loan Overdraft
Up to Rs 1 lakh 14.00%-18.00% 16.00%-18.00%
Above Rs 1 lakh to Rs 3 lakh 12.00%-18.00% 13.00%-18.00%
Above Rs 3 lakh to Rs 5 lakh 9.55%-12.00% 9.55%-12.00%
Above Rs 5 lakh to Rs 10 lakh 9.55%-11.00% 9.55%-11.00%
Above Rs 10 lakh 9.55%-11.00% 9.55%-11.00%

Features of DCB Bank Gold Loan

Purpose

DCB Bank offers gold loans to meet the personal and business requirements of its applicants. The lender offers DCB Gold Loan against gold jewellery or specially minted gold coins issued by the bank.

Loan Amount

DCB Bank offers gold loans for a minimum loan amount of Rs 10,000 and a maximum loan amount of up to Rs 30 lakh.

LTV Ratio

The lender offers gold loan for up to 75% of the appraised gold value.

Repayment Options

DCB Bank Gold Loan can be repaid within 5 years of loan disbursal. The applicants can make repayments through the following two repayment options:

  • EMI scheme where both the interest and principal components are repaid through equal monthly instalments
  • Bullet repayment scheme where interest is serviced on a monthly basis and principal is repaid on maturity

DCB Bank Gold Loan Fees & Charges

Particulars Charges
Processing Fees Up to 2% of loan amount + applicable taxes
Cheque bounce charges Rs 750
Late payment fee 3% per month on amount overdue
Cheque swapping charges Rs 500
Foreclosure charges (applicable when facility is closed within 180 days from the account opening date)
  • DCB Gold overdraft facility- 1% of sanctioned limit
  • DCB Gold term loan facility- 1% of outstanding loan amount
Application Login Fee, Valuation and Legal charges Nil
Amortization Schedule Rs. 250 per schedule
Statement of Account Rs. 250 per statement
NOC/Duplicate NOC Rs. 250 per certificate

Note: All the Fees & Charges mentioned are non-refundable and exclude GST.

DCB Gold Loan Eligibility Criteria

DCB Bank offers gold loan to applicants between the age of 18-70 years. While the lender has not disclosed the eligibility criteria of its gold loan applicants in detail, the lender may also consider the weight and purity of gold pledged by the applicant while evaluating the gold loan eligibility of its applicants, just like other lenders do.

Documents Required for Availing DCB Bank Gold Loan

DCB Bank has not specified the documents required for availing gold loan. However, the lender may consider the following gold loan documents while applying for DCB Bank Gold Loan.

  • Completely filled application form with photographs
  • Identity Proof- PAN card, Aadhaar card, Passport, Driving License, Voter ID
  • Address Proof- Aadhaar card, PAN card, electricity bill, telephone bill, Voter ID, Passport

 

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