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 Home »  Retail »  Loans  » Ab Nonagricultural Gold Loans
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 Purpose

Loans are allowed for  various purposes like

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


    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%
     
      Prepayment charges
    No prepayment charges.
    Security

    Up to 50 grams coins only issued banks shall be accepted per borrower.

     
     Quantum of Finance per gram
    Rs.1600/- per gram or 75% of the market value (per gram 22 Ct. pure) of gold which ever is less.
     

    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

    Click here for Notice of Annual General Meeting and Record Date for Payment of Dividend

    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

    AS A PART OF RISK MITIGATION MEASURE, DEBIT CARDS ISSUED AFTER 30-11-2013 ARE ENABLED FOR DOMESTIC TXNS ONLY. FOR FURTHER DETAILS PLEASE CONTACT OUR BRANCH.

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

    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 of SB/Current Account group could walk in to any branch of the Bank to deposit money in his/her account maintained at any branch 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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