आपके घर में यूं ही रखे हुए सोने की सुरक्षा सुनिश्चित करने के लिए इस योजना के अंतर्गत जमा करें और इस पर ब्याज भी अर्जित करें.

जमा का प्रकार

गोल्ड मोनेटाइजेशन योजना के अंतर्गत तीन प्रकार के जमा होते हैं :

लघु अवधि बैंक जमा (एसटीबीडी)

  • इस श्रेणी के अंतर्गत जमा किए सोने को नामित शाखाओं द्वारा 1 - 3 वर्ष की अल्पावधि के लिए (एक वर्ष के गुणकों में विस्‍तार के साथ) स्वीकार किया जाएगा. एसटीबीडी के अंतर्गत ब्याज दर 0.35% से 1% (सोने के वजन के आधार पर) तक होता है.
  • इस योजना के अंतर्गत स्वर्ण जमा खाता खोले जाने की तारीख से 1 वर्ष तक परिपक्‍वता पूर्व इसके समापन की अनुमति नहीं होगी. परिपक्‍वता पूर्व आहरण किए जाने पर 0.25% का दंड प्रभारित किया जाएगा.
  • परिपक्वता पर मूलधन और ब्याज का मोचन(रिडेंप्सन) भारतीय रुपए अथवा सोने के रुप में किया जाएगा.

मध्‍यम और दीर्घावधि सरकारी जमा (एमएलटीजीडी)

  • इस श्रेणी के अंतर्गत केंद्र सरकार की ओर से नामित शाखाओं द्वारा जमा स्वीकार किया जाएगा.
  • 5-7 वर्षों की मध्यावधि के सरकारी जमा (एमटीजीडी) पर 2.25% प्रति वर्ष तथा 12-15 वर्ष की दीर्घावधि सरकारी जमा (एलटीजीडी) पर @ 2.50% प्रति वर्ष की ब्याज दर पर जमा किया जा सकता है.
  • एमटीजीडी में न्यूनतम लॉक-इन अवधि 3 वर्ष और एलटीजीडी में 5 वर्ष है. तथापि एमटीजीडी और एलटीजीडी दोनों में परिपक्‍वता पूर्व निकासी के मामले में 0.25% - 0.375% (अवधि के आधार पर) का दंड प्रभारित किया जाएगा.
  • इसकी परिपक्वता पर मूलधन का मोचन(रिडेंप्सन) भारतीय रुपए या सोने के रुप में होगा. तथापि ब्याज का मोचन केवल भारतीय रुपये में किया जाएगा.

****विस्तृत विवरण के लिए, कृपया बैंक ऑफ बड़ौदा की जीएमएस अधिकृत शाखा में जाएं.

कॉलबैक अनुरोध

कृपया यह विवरण भरें, ताकि हम आपको वापस कॉल कर सकें और आपकी सहायता कर सकें.

चयन करें Government Deposit Schemes Type
  • वरिष्ठ नागरिक बचत योजना

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अक्सर पूछे जाने वाले प्रश्न

  • What exactly is the Gold Monetisation Scheme?

    The Gold Monetization Scheme (GMS), which modifies the existing "Gold Deposit Scheme (GDS)" and Gold Metal Loan Scheme (GML), is intended to mobilise gold held by the country's households and institutions and facilitate its use for productive purposes, as well as to reduce the country's reliance on gold imports in the long run.
    The Gold Monetisation Scheme allows gold depositors to earn interest on their bank deposit accounts. When gold is deposited into an account, it begins earning interest. Gold can be in any form, such as bullion or jewellery.

  • Which banks provide gold monetization scheme?

    All Scheduled Commercial Banks, excluding RRBs are eligible to implement the Scheme.

  • Who is eligible to deposit gold under the gold monetization scheme?

    Individuals, HUFs, Proprietorship & Partnership firms, Trusts, including Mutual Funds/Exchange Traded Funds registered under SEBI (Mutual Fund) Regulations, Companies, charitable institutions, Central Government, State Government, or any other entity owned by the Central Government or State Government are eligible to make deposits under the scheme. Joint deposits of two or more eligible depositors are also permitted under the scheme, and the deposit will be credited to the joint deposit account opened in their names. These gold deposits will be subject to the existing rules governing the joint operation of bank deposit accounts, including nominations.

  • What is minimum investment in gold monetization scheme?

    The minimum quantity of deposits is pegged at 10 grams to encourage even small deposits.

  • Can I earn interest on my gold?

    Yes, the Principal is denominated in Gold (Grams) and Interest is denominated in INR. The Interest is paid in INR upon Maturity.

  • What is the interest rate in gold monetisation scheme?

    For MTGD the interest rate is 2.25% p.a.
    For LTGD the interest rate is 2.50% p.a.

  • How does gold Monetisation scheme work?

    When a customer brings in gold (jewellery) to the bank, it will first be tested for purity and after the consent of the customer, it will be melted. A certificate by the collection centre will be given stating the amount and purity of gold which will have to be produced in the bank for opening the gold deposit account. The quantity of gold will be credited into the customer's account.

  • What happens to your gold jewellery in gold monetization scheme?

    The jewellery is melted and converted into 995 fineness bars. The weight in 995 fineness is considered as the final quantity to be credited to the customer gold deposit account.

  • What are the main objectives of gold monetization scheme?

    The main objectives of gold monetization scheme are:

    • To mobilize gold held by households and institutions in the country.
    • Make gold available on loan from banks to jewellery businesses.
    • To reduce dependence on imports.
  • When was gold Monetisation scheme launched?

    Central government launched the scheme issued vide office Memorandum F.No.20/6/2015-FT dated September 15, 2015.

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