KCCJL (Kisan Credit Card Jewel Loan)

Scheme Features:-

• To meet Short-term production credit needs of farmers.
• Loan limit per borrower:- Minimum Rs. 1.61 lakhs and Maximum up to Rs. 10 lakhs.

• Processing Charges: - Up to Rs. 3.00 lakhs:- Nil and Above Rs. 3.00 lakhs:- 0.30%
• Maximum loan per gram with 80% LTV.

AGEJL (Agri Easy Jewel Loan)

Scheme Features:

• Maximum loan eligibility up to Rs. 30.00 lacs per borrower.
• Attractive rate of interest i.e. 9.05% presently
• Minimum Processing Charges:- Loan Quantum Processing Charges Up to Rs.0.25 lakh Nil.
• Above Rs.0.25 lakh up to Rs.1.00 lakh:- Rs.250+ GST
• Above Rs.1.00 lakh up to Rs.3.00 lakhs:- Rs.500+ GST
• Above Rs.3.00 lakh up to Rs.5.00 lakhs:- Rs.1100+ GST
• Above Rs.5.00 lakh up to Rs.10.00 lakh:- Rs.1450+ GST
• Above Rs. 10.00 lakhs :- Rs.2750+ GST

JEWEL LOAN SME:- CSGLD (Cash Credit Against Gold)

Scheme Features:-

• Easy finance for MSMEs for working capital requirement.
• Eligible Loan amount: - Minimum: - Rs. 25,000/- to Maximum: - Rs. 50.00 lakhs.
• Attractive rate of interest i.e., 8.95% presently.
• Minimum processing charges i.e. up to Rs. 1.00 lakhs Nil, Above Rs. 1.00 lakhs to Rs. 5.00 lacs Rs. 250/-, Above Rs. 5.00 lacs Rs. 500/-.
• Quick sanction and disbursal.
• Maximum loan per gram with 75% LTV.
• Hassle free and minimum time

JL-Others (Jewel Loan - Others) JLOTH

Scheme Features:

• For any unforeseen medical/personal consumption needs.
• Maximum loan eligibility up to Rs. 50.00 lacs per borrower.
• Attractive rate of interest i.e. 8.85% presently.
• Minimum processing charges i.e. up to Rs. 3.00 lakhs 0.30% and above Rs. 3.00 lacs 0.50%.
• Quick sanction and disbursal.
• Maximum per gram rate with 75% LTV.
• Hassle free and minimum time
• Repayment period up to 35 months.

IOB Swarna Lakshmi (Women Borrowers) - JLSWL

Scheme Features:-

• Providing Financial support against pledge of gold to start new venture or to meet any unforeseen medical/personal needs to women.
• Maximum loan eligibility up to Rs. 5.00 lacs per borrower.
• Attractive rate of interest i.e. 9.25% presently.
• Minimum processing charges i.e. up to Rs. 3.00 lakhs 0.30% and above Rs. 3.00 lacs 0.50%.
• Quick sanction and disbursal.
• Maximum loan per gram with 75% LTV.
• Hassle free and minimum time
• Repayment period:- Bullet repayment 12 months.

IOB Swarna Samridhi

Scheme Features:

• For Agriculture and allied activities: - To meet short-term credit requirement through "IOB SWARNA SAMRIDHI" Jewel loan scheme.
• Avail maximum loan amount up to Rs. 10.00 lacs per borrower.
• Higher per Gram rate with 85% LTV.
• Lower interest rate i.e., 6-month MCLR at 8.85% presently.
• Lowest processing charge i.e. 0.15% of loan amount, with minimum of Rs. 150.00.
• No Security delivery charge at the time of closure.
• Lower appraiser fee.
• Target Group: Agriculturists/Farmers who are owner cultivators, tenant farmers, oral lessees & sharecroppers engaged in crop cultivation, land development activities, investment activities & activities allied to agriculture.
• Age: Minimum 18 Years
• Quantum of Loan: Maximum Loan amount per borrower - Rs. 10 Lakhs
• Margin: Nil
• Security: Hypothecation of assets created out of the Loan. Pledge of Gold ornaments.
• Assessment: For Crop Cultivation purpose - Prevailing per gram advance rate or Loan amount as per scale of finance whichever is lower.
• For Agri allied and ancillary activities - Prevailing per gram advance rate or Loan amount arrived as per project cost whichever is lower.
• Repayment: Loan to be repaid within a period of 6 months as bullet payment - both principal and interest due for payment at the end of the term.
• Interest Rate: Loan to be repaid within a period of 6 months as bullet payment - both principal and interest due for payment at the end of the term.
• Processing Charges: 0.15% of the loan for loan upto Rs. 10.00 lakhs with minimum of Rs. 150/-.
• Documents Required: Form 89E (View), Annexure (View)

IOB Gold Powered Card - GLDPC

Scheme Features:-

• IOB GOLD POWERED RUPAY card can be sanctioned as an overdraft facility for consumption purposes and contingencies.
• Eligible loan amount: - Minimum 0.25 lakhs and maximum up to 25.00 lakhs
• Attractive Rate of interest: - 9.35%
• Processing charges: - 0.30% of the sanctioned limit, Card issuance charges: - Rs.100+ GST, Annual maintenance charges:-Rs. 250+ GST.
• Repayment:- Borrower can service both interest and principal at maturity of loan i.e. 12 months from date of sanction.
• Maximum loan per gram of Jewel.

The limit will be sanctioned based on the declaration of the borrower

Loan shall not be given for speculative purpose.

• Target Group:- Any individual above the age of 18 owning gold ornaments/jewellery/coins and having account with us either singly or jointly. Staff are also eligible.
• Age:- Minimum 18 years and no age restriction for exit
• Repayment:- The borrower can service both interest and principal at maturity of loans i.e. 12 months from date of sanction.
• Processing Charges:- 0.30% of the sanctioned limit.

Daily Card Usage Limit:-

Jewel Loan Suvidha:- JLSUV

Scheme Features:-

• To meet margin money requirement in Housing loan, registration charges, project price escalation.
• Eligible loan amount:- Minimum:- 0.25 Lakhs and maximum up to 50.00 lakhs.
• Attractive rate of interest:- 9.35%
• Processing Charges:- 0.25% of sanctioned limit subject to minimum of Rs. 500+ GST and maximum of Rs. 2500+ GST.
• Repayment period:- Bullet Repayment 12 months: - 0.25 lakhs to 15.00 lakhs

EMI Option: - 0.25 lakhs to Rs. 50.00 lakhs: - 60 months

• Maximum loan per gram with 75% LTV.

Processing Charges: 0.25% of the sanctioned limit subject to minimum of Rs. 500/- +GST and maximum of Rs. 2500/- +GST

KCCJL

(Agricultural 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%

Above Rs. 3 Lacs up to Rs. 10 Lacs

MCLR+2.50%

AGTAJ

(Agriculture Term Loan - Jewellery)

Maximum Up to Rs. 25 Lacs

RLLR - 0.85%

JL-Others

(Jewel Loan - Others)

Maximum Up to Rs. 25 Lacs

RLLR-0.50%

SME GOLD

From Rs. 25,000/- to Rs. 25 Lacs

RLLR - 0.50%

Cash Credit: - RLLR - 0.40%

JLSWL (Women Borrowers)

Up to Rs. 5 Lacs

MCLR +SP (0.20%) +RP (0.05%)

IOB SWARNA SAMRIDHI

Maximum up to Rs. 10 Lakhs

Six-Month MCLR i.e. 8.85% presently, penal interest of 2% to be charged for the overdue portion

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

4100