YOUR TRUSTED GOLD,

Now Digitally Unlocked!


  • Benefits
  • Features
  • Interest rates & charges
  • Other Benefits
  • Documents Required
  • Most Important Terms & Conditions

Digital Gold Loan : Benefits

  • End-to-End Digital Loan journey in DIY and Branch Assisted mode from application to Disbursement up to 25 Lakhs (Income generation (Agri & MSME) – 25 lakhs & consumption (Retail) – 25 lakhs).
  • DIY journey for Customer till In-Principle Sanction and Assisted journey for Bank branch user for further sanction with gold evaluation check
  • Branch user can also start the journey for the customer.

Digital Gold Loan : Features

  • Eligibility: Loan is available for all Individuals above 18 Years and for the Purpose of agriculture, Retail and Other Priority Sector.
  • Loan Amount: Rs.5,000 to Rs. 50 Lakhs (Income generation (Agri & MSME) – 25 lakhs & consumption (Retail) – 25 lakhs).
  • Income generating loans:
    (i) Tenure: maximum period of 12 months.
    (ii) Moratorium period: For bullet repayment loan moratorium period of 12 months to be given.
  • Consumption Loans:
    (i) Tenure: EMI Scheme: Maximum 36 months.
    (ii) Demand Loan & Overdraft Scheme: Maximum 12 months.
    (iii) Moratorium period: For bullet repayment loan moratorium period of 12 months to be given.
  • Margin: 20% to 35%

Digital Gold Loan : Interest rates & charges

  • Income generating loans:
    Sector Rate of Interest (ROI)
    Agriculture & Allied activities One-year MCLR
    MSME & Other Priority Sector BRLLR+ SP+1.00

  • Consumption Loans:
    Sector Rate of Interest
    Floating Fixed
    Demand Loan / EMI Scheme BRLLR+SP+0.75% 9.00% p.a
    Overdraft BRLLR+SP+0.85%

Digital Gold Loan : Other Benefits

  • Digital Process till Disbursement.
  • Discretionary Lending Power is not applicable & PSR is waived.
  • Digital Documentation through e-Stamp and e-Sign.
  • Customer can apply for Loan up to 10 Lakhs seamlessly from home with ease and convenience.

Digital Gold Loan : Documents Required

  • Valid Mobile number & KYC documents.
  • Activity supporting documents (land documents/ milk receipts/ GST registration/ Udyam Certificate etc.)
  • Income related documents (ITR/ Salary slip etc.)

Digital Gold Loan : Most Important Terms & Conditions

  • Minimum 18 carat gold jewellery/ ornaments /hall marked gold jewellery/ ornaments is required.
  • Appraisal of gold ornaments/jewellery should be done in branch premises in front of branch officials and borrower under CCTV.
  • Appraisal charges will be borne by the applicant.

Frequently Asked Questions (FAQs)

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    22 Feb 2022
    Bank of Baroda Personal Loans - Instant Zaroorat Aapki, Jhatpat Saath Hamara
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