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Loans against Gold Ornaments for Non Agricultural Purpose


Loans are allowed for  various purposes like

  • Pure consumption,
  • Personal
  • Business  and not for speculative purposes.

    Any properly identified person/existing customers who are properly identified and accepted as a customer as per KYC-AML guidelines

      Rate of interest
    Fixed rate of interest @ 13%

    Minimum purity of 20 ct  will  be accepted.
    Hypothecation of the Gold Jewels in the form of jewelry, ornament. (Gold Coins sold by various Banks – will be treated as jewelery) .Bullion or primary gold will not be accepted.

     Quantum of Finance per gram



    Subject to max LTV(Loan To Value ratio) of 75%

    Tenor One year

    With Hall Marking

    916/ Corresponding to 22 carat


    875/ Corresponding to 21 carat


    Without Hall Marking

    22 carat


    21 carat


    20 carat


    Gold Coins: Our Bank/Other Banks

    Gold coins with 999.9 purity(corresponding to 24 ct)


    Gold coins with 916 purity



    No Processing charges

    Appraising charges : 1% of the loan amount sanctioned.
    50% concession in applicable charges for the limits above Rs.2.00 lakhs.

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    News & Events

    Extraordinary General Meeting of the Shareholders of Andhra Bank will be held on Thursday, 12th March, 2015 at 11.30 AM

    As per RBI guidelines w.e.f.,01-November-2014 the number of free ATM transactions (inclusive of both financial and non-financial transactions) for savings bank account customers at other bank’s ATMs is reduced from the present five to THREE transactions per month for transactions carried out at the ATMs located in six metro centers viz., Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad. However the free transactions (inclusive of both financial and non-financial transactions) carried out in other Bank ATMs at the six metro centers and other locations together, would continue to remain at FIVE.

    Waiver of processing charges in Housing Loans, Car Loans, Two wheeler loans, Consumer durables, Clean Loans for the festive season from 25.09.2014 to 31.12.2014

    The existing customer grievance redressal mechanism would also cover the complaints relating to outsourcing

    Use your Visa Debit Card for shopping in POS/Online within 3 months of card issuance & get 5% Cash back. Offer applicable to cards issued after December 2013,T&C Apply


    You can now donate to Shri Saibaba Sansthan Trust, Shirdi through IMPS-Mobile Banking.

    Presentation to Analysts

    Our Total Income during 12M of FY’12-13 increased to Rs. 13,957 Crore, recording a growth of 14.4%.

    Form 15G/15H has to be submitted afresh at the beginning of each financial year to avail exemption/concession in TDS. Quoting of PAN is mandatory for availing such exemptions/concessions.

    All our Banks’ cheques are “payable at par henceforth. We request all our customers to surrender their old cheque books at their account branch and obtain CTS 2010 Standard Cheque books immediately.

    We request all our customers who have issued postdated cheques for repayment of loan installments for loans availed by them to replace the old PDCs with new CTS 2010 Standard cheques.

    Online Grievance Redressal System with Tracking

    Online Applications for MSME and Retail Loans

    Online Donations to charitable institutions through net banking

    Online resetting of Internet Banking Login Password

    Interbank transfer of Funds through Mobile Banking using IFSC code

    As per RBI mandate, cash retraction facility is discontinued from our ATMs. Do not forget to collect cash before leaving ATM room.

    Any customer could walk in to deposit money in any branch of the bank if the account is in any other branch of the bank to which he wants to deposit the money and there will be no charges on this for any amount

    Fictitious Offers of Cheap funds from abroad - Awareness Campaign - List of Nodal Agency (Cyber Crime Cell / Economic Offence Wing)

    Complain to Local Police/Cyber Crime Authorities against Fictitious Offers of Money from Abroad

    PPF and SCSS schemes

    Do Not fall Prey to Fictitious Offers of Funds Transfer

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