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Nature of Facility: Central Bank of India Gold Loan

Demand Loan or overdraft against pledge of gold and gold ornaments of 22 Carat purity.

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Purpose: Central Bank of India Gold Loan

To meet urgent personal expenses like marriage / medical / educational needs etc.

Target group: Central Bank of India Gold Loan

Individuals of 18 years and above. Staff members will also be eligible for the facility on the same terms and conditions. The borrowers have to open Savings Account with Central Bank of India.

Security: Central Bank of India Gold Loan

Pledgeof gold ornaments of 22 Carat purity or Gold Coins sold by ourBank. 


Quantum:Central Bank of India Gold Loan

Minimum   - Rs 10,000/
Maximum - Rs 10, 00,000/- (Rs 1400/ per gram maintaining a minimum margin of 20%). Drawing power to be revised suitably based on the market value of gold.


Maximum Limit Of Loan Per Gram

Rs.1500/- per gram of gold ornaments and Rs.1700/- per gram of gold coins sold by Central Bank of India, maintaining margin of 20%

Repayment: Central Bank of India Gold Loan

12 to 36 Months. In the case of overdraft facility, the limit to be reviewed on annual basis

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Central Bank of India Gold Loan Interest Rates & Processing Charges:


Cent Personal Gold Loan

Base Rate %


Spread %



Effective Rate %


Processing Charges





0.5% of the loan amount plus applicable Appraiser Fee.

Demand Loan








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