✓ No Limit on Loan Amounts ✓ Interest Rate Starting @0.74% p.m. ✓ Minimal Documentation Apply Now

If you are looking to liquify your gold assets to fulfil your requirements, gold loans offered by the Punjab National Bank (PNB) are a great option. With the Scheme for Advance Against Gold Jewellery/Gold Ornaments, you can borrow up to ₹25 Lakhs, subject to the value of the gold submitted as collateral. Furthermore, you can choose from fixed or floating rates as per your requirements and preferences.

Interest Rates and Charges

Here are the interest rates and associated charges for a gold loan:

Interest Rate

9.25% p.a. onwards

Processing Fee

0.30% of loan amount + GST 

*Disclaimer: The aforementioned charges are subject to change at the lender’s discretion.

Features and Benefits

High Loan Amount

Borrow amounts of up to ₹25 Lakhs by submitting your gold as collateral

Low Interest Rates

Benefit from interest rates starting from as low as 9.25% p.a.

Flexible Repayment

Repay the loan at your convenience through bullet payments or regular EMIs

Credit Type

You can opt for demand loans with a tenure of up to 12 months or an overdraft facility which needs to be renewed each year

Digital Application

You can apply for a this loan on the bank’s official website for an easy and convenient online process

How to Apply

You can apply for a PNB Gold Loan by following these easy steps:

  • Visit the official website 

  • Navigate to the ‘Loans’ tab 

  • Select the ‘Scheme for Advance Against Gold Jewellery/Gold Ornaments’ option under the ‘Gold Loan’ section

  • Click on the ‘APPLY NOW’ option visible on the left side of the page

  • Select the ‘Click here’ option displayed on the screen

  • Click on the ‘Digital Gold Loan’ option 

  • Log in by providing your mobile number and entering the Captcha code

  • Enter the generated OTP and your e-mail ID


Following this, a bank representative will reach out to you for further proceedings.


The information and suggestions provided by BFDL hereinabove is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees, loan amount and other charges with regard to any product, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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What is the interest rate charged on gold loans offered by PNB?

The interest rate charged on these loans can start from 9.25% p.a.

What are the other charges I will have to pay for my PNB Gold Loan?

Alongside the interest rates, you will be required to pay a processing fee starting from just 0.30% of the loan amount with GST.

How much can I borrow with a PNB Gold Loan?

You can get amounts of up to ₹25 Lakhs with this loan. However, the amount you can borrow depends on your eligibility and the value of your gold.

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