| Jewel Loan Advance Lending Rate Per Gram (w.e.f 18.02.2025) |
Amt. in Rs. |
Type of Jewel Loan |
Carats |
Existing |
Revised |
IOB SWARNA SAMRIDHI (Agri Jewel Loan) |
24 Carat Gold Coins issued by Banks & 22 Carat Hall Mark Jewellery |
5815 |
6050 |
22 Carat Ordinary Jewellery |
5765 |
6000 |
20 & 21 Carat Ordinary Jewellery |
5320 |
5500 |
Agri Jewel Loan (KCCJL, AGEJL) |
24 Carat Gold Coins issued by Banks & 22 Carat Hall Mark Jewellery |
5500 |
5800 |
22 Carat Ordinary Jewellery |
5450 |
5750 |
20 & 21 Carat Ordinary Jewellery |
5020 |
5200 |
18 Carat Ordinary Jewellery |
4110 |
4200 |
Non-Agri Jewel Loan (JLOTH, JLSME, JLSWL, JLSUV, JLSTF |
24 Carat Gold Coins issued by Banks & 22 Carat Hall Mark Jewellery |
5025 |
5300 |
22 Carat Ordinary Jewellery |
4975 |
5250 |
20 & 21 Carat Ordinary Jewellery |
4520 |
4700 |
18 Carat Ordinary Jewellery |
4110 |
4200 |
Sovereign Gold Bond Scheme & IOB Gold Powered Card |
24/22 Carat Gold |
4500 |
4700
|
Rate of Interest for Various Jewel Loan Schemes Charged by Our Bank
MCLR: 9.10% / Present RLLR: 8.85%
| Jewel Loan Schemes |
SLAB |
ROI (RLLR:- 8.85% w.e.f. 15.04.2025, MCLR:- 9.10% w.e.f. 15.01.2025) |
|
AGRI EASY JEWEL LOAN(AGEJL)
|
Maximum Up to Rs. 30 lakhs
|
One Year MCLR i.e. 9.10%
|
|
JEWEL LOAN TO OTHERS (JLOTH)
|
Maximum Up to Rs. 50 lakhs
|
RLLR - 0.10% =8.75%
|
|
SME GOLD(JLSME)
|
From Rs. 25,000/ to Rs. 50 Lacs
|
RLLR - 0.10% =8.75%
Cash Credit:- RLLR-0.10%=8.75%
|
|
IOB SWARNALAKSHMI (JLSWL - Women Borrowers)
|
Up to Rs. 5 lacs
|
RLLR - 0.15% =8.70%
|
|
KISAN CREDIT CARD JEWEL LOAN(KCCJL)
|
From 2.01 lacs to 3 lacs
|
With Interest subvention under KCC
|
7% (for prompt payment additional subvention of 3%)
|
|
Without interest subvention
|
MCLR(9.10) + 0.90% = 10.00%
|
|
Above Rs. 3 lacs to Rs. 10 lacs
|
MCLR(9.10) + 2.50 = 11.60%
|
|
IOB SWARNA SAMRIDHI(JLSWS)
|
Maximum Up to Rs. 10 lakhs
|
SIX MONTH MCLR i.e. 8.90%, Penal interest of 2% to be charged for the overdue portion
|
|
JEWEL LOAN-SUVIDHA(JLSUV)
|
Minimum Rs. 0.25 lakhs Maximum Up to Rs. 50 lakhs
|
RLLR - 0.10% =8.75%
|
|
IOB GOLD POWERED CARD(GLDPC)
|
Minimum Rs. 0. 25 lakhs Maximum Up to Rs. 25 lakhs
|
RLLR - 0.10% =8.75%
|