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Punjab National Bank is one of the leading banks in India. It is the largest nationalized bank in the country with a large network of branches and ATMs. They provide a large array of financial products to the customers. One of their main products is a Gold loan. A Gold Loan is the best option available for the loan seekers at cheaper interest rates.

What is a Gold Loan?

Gold is one of the most precious and costly metals in India. Its value in our lives cannot be ignored because every person is attached to it emotionally. However, what is the point of keeping your gold in a closed drawer when it can help you in times of emergency? Taking a Loan Against Gold can help you to overcome any drastic situation. Gold Loan is the best way to get cash in a short span.

Features of Gold Loan

1.       First of all, a gold loan is easily accessible. You can easily apply for a gold loan online.

2.       After that, your loan will be approved within 5 minutes if you are eligible.

3.       After the approval of your gold loan, if you have all the documents, your loan can be disbursed on the same day.

4.       While providing you the gold loan bank doesn’t check your credit score. You can get a gold loan even if your credit score is not good.

5.       Since the gold loan is a secured loan so the rates of interest would be low as compared to other loans.

6.       Bank will keep your gold assets as a security while providing you a gold loan.

7.       In case if you would not be able to return the loan the bank can recover their loan amount with this gold.

8.       You can use this amount of loan to fulfill any of your personal need. Whether it is related to the wedding or medical expenses. It can be related to the business or agricultural activities. Bank would not ask you the reason for getting the gold loan.

9.       The purity of the gold should be 18 carats to 22 carats.

10.   Applicant should have at least 10 grams of gold along with him/her while applying for the gold loan.

11.   Gold in the form of jewelry is accepted.

12.   Bank does not accept any kind of minted coins.

13.   Besides, that gold bars and gold bricks are not accepted.

14.   Gold coins weight less than 10 grams can be accepted.

15.   Furthermore, the bank does not accept sole Manglasutra.


There are few eligibility criteria defined by the bank. the applicant can get a gold loan only if he/she is eligible. Let us discuss them.

1.       The age of the applicant should not be less than 18 years.

2.       He/she should be the citizen of India.

3.       After that, the applicant should have a minimum of 10 grams of gold.

Who can Apply?

1.       Any salaries or businessman can apply.

2.       Besides that, housewives can apply.

3.       Students can also apply for the gold loan but the age of the applicant should be more than 18 years.

Accepted Form of Gold

1.       All the jewelry of 18 to 22 carats is accepted.

2.       Gold coins weigh less than 50 grams can be accepted.

3.       Besides that minted gold coins aren’t accepted by the bank.

4.       Any type of gold in the raw form isn’t accepted by the bank.

Why PNB Gold Loan?

1.       Loan Amount: A maximum amount of Rs.10,00,000 can be availed.

2.       EMI options: Hassle-free payment of EMIs.

3.       Instant liquidity: Enjoy liquidity of cash at any time. Generate instant cash in time of need.

4.       Security: The customer can rest assured that their gold is in safe hands.

5.       Interest Rates: Individual can get the advantage of lower interest rates for this loan.

6.       A person can also apply for Gold Finance on Agricultural Land on their name and get a discount of 1% on the interest rate charged.

Loan Tenure / Period

Rate of Interest (p.a.)

Valuation Fee

 12 months

13 % to 16 %



Documents Required for Gold Loan

1.       Proof of Identity: Passport Copy/ Voters ID card/ Driving License.

2.       Address Proof:: Ration card/ Tel, Electricity Bill/ Rental bill/ Passport copy/Trade license /Shop & Est. License/Sales Tax certificate.

3.       Signature Proof: Passport Copy/Driving License/Banker's verification/cheque.

4.       2 passport size photographs.

PNB Gold Loan Procedure

1.       First of all, Apply online for a loan against gold.

2.       Afterward, the borrower will have to submit an application form along with his / her valuable Gold asset.

3.       Then the bank will evaluate the real value of your Gold in terms of its purity and weight.

4.       Finally, the Loan is sanctioned to the applicant after checking the genuineness of the asset provided.

5.       The whole Gold Loan process takes around.

* For any assistance regarding Gold Loan, call us on 60011600, our trained

How to Apply?

Nowadays technology is so advance that you can apply for the PNB gold loan online. There is no need to go bank to bank and to hassle. You can apply for PNB gold loan online in 5 minutes. There are a few steps to apply for a PNB gold loan online.

1.       OpenGoogle.

2.       Search for a dialabank gold loan.

3.       Fill the application form for the PNB gold loan.

4.       Fill out our basic information and your contact number.

5.       You will get a call back within 5 minutes.

6.       You may also call on 60011600.

Why Dialabank?

Dialabank is considered as the best platform to apply for a gold loan. There are certain reasons behind it.

1.        First of all, dialabank is the best platform to apply. Here you can get all the information about the interest rates, EMI’s and the comparison of different bank’s interest rates.

2.       The customer response is very quick. You will get a call back within 5 minutes.

3.       Besides that, the dialabank is India’s first financial helpline, so you there is no trust issue at all.

4.       You will get a proper guidance from the experts.

5.       Furthermore you there is no need to go to the bank to submit the documents. Bank provides the document pickup facility from your doorstep.

Why Gold Loan is secured?

The gold loan comes in the category of secured loans because in this loan the bank has your jewelry as a security, and this is the reason after the low rates of interest of the gold loan as compared to other loans.


Relationship Managers will solve all your queries.





Loan Tenure / Period Rate of Interest (p.a.) Valuation Fee
 12 months 13 % to 16 % NIL



  1. The whole Gold Loan process takes around.

* For any assistance regarding Gold Loan, call us on 60011600, our trained Relationship Managers will solve all your queries.

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