Empowering you to be an Atmanirbhar Woman.


Own the evergreen, traditional ornament of prosperity.

Retail Gold Loan

Retail Gold Loan offers competitive interest rates with added benefit of concessional rates for women! Apply for a gold loan for any purpose at Bank of Baroda.

Sr. No Parameter Particular
1. Type of facility Demand Loan, Over draft and EMI
2. Purpose Any purpose other than speculation
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 lakhs per borrower.
5. Tenure 12 Months and Max. 36 months for EMI scheme.
6. Repayment Mode Interest on monthly basis. The principal will be repaid by way of bullet payment at any time during the tenure of the loan.
EMI – EMI on monthly basis.
7. Interest Rate*
Demand Loan BRLLR+SP+2.25%
Overdraft BRLLR+SP+2.40%
EMI BRLLR+SP+2.25%
8. Processing charges Up to Rs 25000 NIL
Above Rs 25000 up to Rs 25 Lakhs – Applicable charges +GST
9. Security Secured by min. 18 carat Gold Jewellery/Ornaments.
10. Pre closure / Pre payment NIL

* Subject to change of BRLLR.

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

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