Bank Gold Loan is the ultimate solution for your financial needs. You can avail Gold loan whenever you need funds for education of children, business expansion, down payment for purchase of property or automobile, medical emergency, holiday with family, agricultural needs etc.
Just walk into the nearest DCCB branch offering Gold Loan with your jewelry and avail Gold Loan in matter of minutes. Gold Loan can be availed by pledge of gold ornaments with minimum paper work and low interest rate.
Ref No: 48 /DRIF/Gold Loans/2026-27 | Date: 15.04.2026
Subject: Gold Loans - Revision of per gram lending rate based on assessment of Market price
📊 Market Details:
• Average per gram market rate of 22 carat Gold (last 30 days): Rs.13,735/-
• Loan To Value (LTV): Rs.10,301/- (75% of average market price)
• Revised rates effective from: 16.04.2026
|
Product |
GL code |
RoI (%) |
Tenure |
intrest Frequency |
Per Gram Lending Rate |
Maximum amount |
Documentation |
|
Gold loan-Normal |
5040 |
10.25 |
1 Year |
Yearly |
₹9,000/- |
10.00 Lakhs |
Pledge the jewel |
|
Gold loan-Normal |
5042 |
10.50 |
1 Year |
Monthly |
₹9,200/- |
20.00 Lakhs |
Pledge the jewel |
⚠️ Important Note: Branch Managers are advised to follow the revised per gram lending rates while sanctioning Gold loans w.e.f 16.04.2026 and direct the Gold appraiser to be cautious in appraising the quality of Gold ornaments and ensure that Gold ornaments netted/reduced to 22 carats of Gold duly deducting the weight of Lac/Stones/Beads and no excess financing is done while sanctioning Gold Loans.
