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Jewel Loan Advance Lending Rate Per Gram from 01.03.2023 Amt in Rs.
Type of Jewel Loan
Carats
Existing
Revised
Agri Jewel Loan
24 Carats Gold Coins Issued by Banks
& 22 Carats Hall Mark Jewellery
4000
4100
22 Carats Ordinary Jewellery
3950
4050
20 & 21 Carats Ordinary Jewellery
3650
3750
18 Carats Ordinary Jewellery
3100
Non-Agri Jewel Loan
3800
3400
Rate of Interest for various Jewel Loan schemes charged by Our Bank
Present MCLR: 8.45% Present RLLR: 9.35%
Types of Jewel Loan Schemes
SLAB
ROI
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-0.50%
JL-Others
(Jewel Loan - Others)
JLSWL
(IOB Swarnalakshmi)
Up to 5 lacs
MCLR+0.25%
JLSME
(Jewel Loan SME)
RLLR-050%
IOB GOLD LOAN - "WORTH A WHILE WITH GOLDEN SMILE"
Special Features
Various Schemes
1. Agricultural Jewel Loan:
2. Agriculture Term Loan - Jewellery:
3. Jewel Loan SME:
4. Jewel Loan - Others:
5. IOB Swarnalakshmi: