Empowering you to be an Atmanirbhar Woman.

Own the evergreen, traditional ornament of prosperity.

Sr. No Parameter Particular
1. Type of facility Cash Credit and Demand Loan
2. Purpose Agriculture & Allied activities and other priority sectors
3. Eligibility All individuals being true owner of the gold ornaments/jewellery & specially minted Gold coins sold by the Banks (Maximum up to 50 gm per borrower). The applicant must be Indian resident.
4. Maximum Limit Rs.25.00 lakhs per borrower.
5. Tenure 12 Months
6. Repayment Mode Repayment schedule will be as per the income generation of the borrower. In the repayment clause, the interest/principal servicing be synchronized with the harvest of crop and cash flow, depending on the activity of the borrower.
For advances other than crop loan, the loan should be repaid in monthly/quarterly/half yearly instalments with maximum moratorium period of 12 months as per cash accrual. However, the period of loan should not exceed 12 months. .
7. Interest Rate*
Sector Up to Rs. 3.00 Lakhs Above Rs. 3.00 Lakhs and up to Rs. 10.00 Lakhs Above Rs. 10.00 Lakhs and up to Rs. 25.00 Lakhs
Agri 1 year MCLR 1 year MCLR+S.P 1 year MCLR+S.P+0.25%
Other Priority 1 year MCLR+S.P 1 year MCLR+S.P+0.25% 1 year MCLR+S.P+0.50%
8. Processing charges Up to Rs 3.00 Lakhs – NIL
Above Rs 3.00 Lakhs up to Rs 25.00 Lakhs – Applicable charges + GST.
Security Secured by min. 18 carat Gold Jewellery/Ornaments.
9. Pre closure / Pre payment NIL

* Subject to change of MCLR .

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Select Gold Loan Type
  • Retail Gold Loan
  • Agri Gold Loan
  • Others

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Frequently Asked Questions (FAQs)

  • What is agri gold loan?

    Agri gold loan – it fulfills several purposes of a farmer, including female members for their agriculture or allied requirements.

  • What is the interest rate for agriculture gold loan?

    The interest starts at 7.35%* (1 Year MCLR). *Liable to change as and when MCLR changes.

  • How agri gold loan work?

    After a farmer pledges the gold ornaments, the bank issues an agri gold loan as per the eligibility. Bank of Baroda agriculture gold loans are given immediately after ascertaining the purpose of gold loan.

  • What benefits do farmers get through agri gold loan?

    When a farmer applies for agriculture gold loan, they get – lower ROI, zero processing charges for up to Rs. 3 lakhs and repayment of loan based on their income earned. Also, the interest charged on agri gold loan is subject to interest provided to banks by the Govt of India.

  • What is the minimum amount of loan for agri gold loan?

    As of now, there is no minimum amount stipulated for Bank of Baroda agri gold loan.

  • Do I need to pay a fee to apply for an agri gold loan?

    The fee for while applying for agri gold loan is termed as processing charges. A fee is applicable on agriculture gold loan amount of above Rs. 3 lakhs and above. The maximum limit for Bank of Baroda agri gold loan - Rs. 25 lakhs.

  • Is agriculture gold loan safe?


  • Are there any EMI options for Agri Gold Loan?

    No. Bank of Baroda agri gold loan is issued in two acceptable ways to the farmers – a demand loan and cash credit.

  • What are documents required to apply for an Agri Gold Loan?

    You should have your bank account KYC complied, i.e., proof of residence, passport size photographs, proof of signature and proof of identity. If you need any assistance, please dial our toll-free numbers. (Embed the numbers here, please)

  • Can I foreclose or prepay my agri gold loan?

    Yes, you can certainly prepay your agri gold loan before the tenure ends. There would be no charges applicable on foreclosing the dues.

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