Skip to content

PNB Gold Loan

    I have read, understood and hereby accept the customized Term & Condition for Lendingwale in relation to collection of information.

    PNB Gold Loan Key Features

    PNB Gold Loan Amount Up to Rs. 1 Crore (With Income Proof)
    PNB Gold Loan Interest Rate 7.25% per annum
    PNB Gold Loan Per Gram Rate Per Gram Today is ₹ 5,219
    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 Gold Loan

    • Fast Procedure: You can take a Gold Loan from PNB effectively and quickly with no hindrances. The advance gets allowed in only an hour.
    • Fewer Documents: The documentation movement is consistent here; fewer records are fundamental for the gold advance in PNB.
    • Transparent System: PNB recommendations wide straightforwardness to their customer; and that is, there are no unidentified charges.
    • Amount of Loan: The base measure of advance that PNB can give to their customer is Rs. 15,000. Also, in rural regions, it very well maybe not as much as Rs 10,000.
    • Protection of Jewelry: One significant thing to note is that the Bank takes the entire responsibility for the insurance of your gold. A short time later, they kept the gold in flame-resistant wellbeing.
    • Loan Tenure: The period of the Gold credit in PNB can be from 3 months to 2 years. Subsequently, you can pick your extravagance in like manner.
    • Profits for Ranchers: PNB offers some various arrangements for agricultural purposes. PNB offers an irrelevant Gold Loan financing cost for agronomic purposes.
    • No Debt Issue: There can be a situation like in which if a candidate can’t reimburse the measure of credit, in that case, the candidate won’t be under any obligations as the Bank will hold onto the candidate’s decorations.
    • No Income fringes: There are no limitations on the compensation or pay of the candidate; from this time forward, anybody with any pay range can apply for a gold credit in PNB.

    How Much Gold Loan can I Get through PNB 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 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

    HDFC 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

    Life is brimming with stresses and fears. Therefore, you may require money to battle with budgetary issues throughout your life. You can get a Gold Loan from PNB to battle with the monetary crisis. A gold advance is a sheltered advance. After, the individuals with diminished CIBIL score can likewise practically apply for this administration.

    Nonetheless, there is a ton of financial Banking and non-Banking associations that may furnish you with the gold advance; however, Gold Loan is considered the best. PNB appeared in 1894. It is one of the most misleading and relentless Banks in India. Likewise, it is known for its definite financial highlights. Here the exchanges are protected.

    • PNB Gold Loan Interest Rate is 7.25% per annum
    • PNB Gold Loan Per Gram is ₹ 5,219
    • PNB Gold Loan Tenure: Up to 24 months
    • PNB Gold Loan Processing Fee is Up to 1.50% of the principal Loan Amount + GST

    Types of PNB Gold Loan

    PNB offers a few plans partnered to the Gold Loan thing which are recorded beneath:

    • Loan Against Gold – PNB offers Gold Loan at fascinating advances are essential to fulfil anyone’s basic need of benefits under any circumstances, whether individual or expert. The gold credit is ensured about the sort of advances, and afterwards, the Bank has no peril in giving the whole to the candidate, so it is given at a more slow advance of best when related with various kinds of Loan things.
    • Loan Against Gold for the Farming business – PNB offers Gold Loans unmistakably to cultivating industry purposes to farmers at an uncommon advance of premium when associated with gold credits given for various prospects. They are given various offers, and at the hour of taking the credit, you need to give the Bank your Property proof

    PNB 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 Gold Loan EMI?

    • Standing Instruction (SI): If you are recently an account holder with PNB, Standing Instruction is an incredibly trustworthy strategy to pay. Your EMI whole will be attributed legitimately while in transit to the month’s conclusion to the month from PNB account you show.
    • Electronic Clearing Service (ECS): The program can be valuable in the occurrence that you have a non –PNB and may require your EMIs to be charged consequently near the highest restriction of the month to month cycle from this record.
    • Post-Dated Checks (PDC): You can introduce post-dated EMI examinations from a non-PNB Bank account at your closest PNB Loan Center. Another strategy for PDCs ought to be open in an exact manner. It will be incredible in the appearance that you note Post Dated Checks will be gathered non-ECS states generally.

    PNB Gold Loan Contact Number

    Call 9878981144 Also, get fast assistance and arrangement for your PNB Gold Loan. You would now be able to know the exceptional recommendations on Gold Loan realistic from all PNB Branches in everywhere on the nation to pick up the top arrangement connected by your necessities.

    Gold Ornaments Accepted by PNB

    • Gold Jewelry – Gold Bangles, Gold rings, Gold anklets, Gold accessories, and so forth these are permissible by PNB to take a Gold Loan.
    • Quality – The nature of gold must be in the middle of 18 Carat to 22 Carat. Any gold adornment which is 24 Carat, can’t be utilized to take a gold credit.

    Use of PNB Gold Loan

    The advantages stable by benefiting PNB Gold Loan office which can be utilized for abundant purposes like:

    • To support any exact crowds like marriage, climbing, the portion of advanced education costs, and so on.
    • For all your promoting necessities, for example, acquiring new gracefully, creating advertising, and so forth., credit office is open.
    • You can likewise apply for Gold Loan for agrarian thoughts. The Bank gives minor charges of enthusiasm for Gold Loans that are utilized for agribusiness or related plans

    FAQS About PNB Gold Loan

    • What is PNB Gold Loan?

    PNB Gold Loan is a credit framework that you can apply for pressing money related assistance by keeping your gold as wellbeing with the Bank. Additionally, it accompanies extraordinary financing costs on Term Loan, Overdraft, and EMI based advance. Standard Gold Loan payment time at PNB is only 45 minutes.

    • How can I get the Gold Loan from PNB?

    You can quickly get the PNB Gold Loan by visiting any of the gold advance contribution parts of PNB, or you can apply online with Loannow by merely sitting at your home and get the best arrangements and recommendations. PNB is one of the significant Banks in India that offers Gold Loan highlights.

    • What is Gold Loan Interest Rate in PNB?

    The Gold Loan interest rate in PNB is 7.25% per annum.

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

    You can avail up to ₹ 5,219 Per Gram in PNB Gold Loan.

    • How to check Gold Loan status in PNB?

    To check your PNB Gold Loan status all, you have to do is, visit the PNB Loan Status Tracker page and fill your subtleties in the structure given there and you can follow the status creatively of your advance from home and stay refreshed.

    • How to calculate Gold Loan Interest in PNB?

    You can figure the enthusiasm on your PNB Gold Loan utilizing Loannow EMI Calculator which gives you secured sums dependent on the data you go into the number cruncher.

    • How to Pay PNB Bank Gold Loan Interest Online?

    You can pay PNB Loan premium online through net Banking on the authority PNB advance remuneration site page, or something terrible might happen. You can likewise discount your PNB Gold Loan on Paytm utilizing your chose instalment measure.

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

    On the off chance that you won’t pay your Gold Loan for a very long time, right off the bat, the Bank will help you to remember your due instalments. What’s more, from that point onward, If the instalment demands go dismissed, and embraced legal notification is sent requesting the remuneration to complete of the credit. Non-instalment on your Gold Loan will prompt a lessening of your financial assessment and makes you lawfully responsible for confronting legitimate activities by the Bank just as seizure and closeout of your gold.

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

    You can apply now for an EMI Moratorium on PNB Gold Loan between 1st March and 31st August 2020 and must be finished by conveying the Bank’s client care or by visiting the closest PNB office.