Last Updated on: 27/08/2024
Jewel Loan
IOB GOLD LOAN - "WORTH A WHILE WITH GOLDEN SMILE" Our few other Retail Offerings: Click here Click here Loan Type Details KCCJL (Agricultural Jewel Loan) AGTAJ (Agriculture Term Loan - Jewellery) SME Gold JL-Others (Jewel Loan - Others) IOB Swarnalakshmi (Women Borrowers) IOB Swarna Samridhi IOB Gold Powered Card The limit will be sanctioned based on the declaration of the borrower Loan shall not be given for speculative purpose. Daily Card Usage Limit:- Particulars Card Limit Available for Daily Use Cash Withdrawal Limit Per Transaction Rs. 20,000/- and per Day Rs. 1,00,000/- POS 100% of Card Limit E-COM 100% of Card Limit ATM 40% of Card Limit Jewel Loan Suvidha Bullet Payment EMI Option Loan Amount Rs.0.25 lakhs to Rs.15.00 lakhs Loan Amount Rs.0.25 lakhs to Rs.50.00 lakhs Margin 25% Margin 25% Period of Loan 12 Months Period of Loan 60 Months Rate of Interest for Various Jewel Loan Schemes Charged by Our Bank. Present MCLR: 8.80% Present RLLR: 9.35% Types of Jewel Loan Schemes SLAB ROI KCCJL(Agriculture Jewel Loan) Up to Rs. 3 Lacs With Interest Subvention under KCC 7% (For Prompt Payment Additional Subvention of 3%). Without Interest Subvention MCLR+0.90%=9.85% Above Rs. 3 Lacs up to Rs. 10 Lacs MCLR+2.50%=11.45% AGTAJ (Agriculture Term Loan - Jewellery) Maximum Up to Rs. 50 Lacs RLLR – 0.85%=8.50% JL-Others (Jewel Loan - Others) Maximum Up to Rs. 50 Lacs RLLR-0.50%=8.85% SME GOLD From Rs. 25,000 to Rs. 50 Lacs RLLR - 0.50% =8.85% Cash Credit:- RLLR-0.40%=8.95% IOB Swarnalakshmi (Women Borrowers) Up to Rs. 5 Lacs MCLR +SP (0.20%) +RP (0.05%) = 9.20% IOB Swarna Samridhi Maximum up to Rs. 10 Lakhs Six-Month MCLR i.e. 8.80% presently, penal interest of 2% to be charged for the overdue portion. Jewel Loan Suvidha From Rs. 25,000/- to Rs. 50.00 lakhs RLLR+0%= 9.35% presently IOB Gold Powered Card From Rs. 25,000/- to Rs. 25.00 lakhs RLLR+0%= 9.35% presently EMI Calculator New Jewel Loan Schemes: Agri Jewel Loan (KCCJL, AGTAJ) 24 Carat Gold Coins issued by Banks & 22 Carat Hall mark Jewellery 4750 4950 22 Carat Ordinary Jewellery 4700 4900 20 & 21 Carat Ordinary Jewellery 4200 4500 18 Carats Ordinary Jewellery 3440 3740 IOB SWARNA SAMRIDHI (Agri Jewel Loan) 24 Carat Gold Coins issued by Banks & 22 Carat Hall mark Jewellery 5100 5300 22 Carat Ordinary Jewellery 5050 5250 20 & 21 Carat Ordinary Jewellery 4560 4760 Non-Agri Jewel Loan (JLOTH, JLSME, JLSWL, JLSUV, JLSTF 24 Carat Gold Coins issued by Banks & 22 Carat Hall Mark Jewellery 4200 4500 22 Carat Ordinary Jewellery 4180 4480 20 & 21 Carat Ordinary Jewellery 3820 4120 18 Carats Ordinary Jewellery 3440 3740 Sovereign Gold Bond Scheme & IOB Gold powered card 24 Carat Gold 3900 4100Home Loans
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Jewel Loan Advance Lending Rate Per Gram Amt in Rs. Type of Jewel Loan Carats Existing Revised