| Jewel Loan Advance Lending Rate Per Gram (w.e.f 13.06.2025) |
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 |
6900 |
7050 |
22 Carat Ordinary Jewellery |
6850 |
7000 |
20 & 21 Carat Ordinary Jewellery |
6350 |
6400 |
Agri Jewel Loan (KCCJL, AGEJL) |
24 Carat Gold Coins issued by Banks & 22 Carat Hall Mark Jewellery |
6600 |
6750 |
22 Carat Ordinary Jewellery |
6550 |
6700 |
20 & 21 Carat Ordinary Jewellery |
6000 |
6150 |
18 Carat Ordinary Jewellery |
4400 |
4550 |
Non-Agri Jewel Loan (JLOTH, JLSME, JLSWL, JLSUV, JLSTF |
24 Carat Gold Coins issued by Banks & 22 Carat Hall Mark Jewellery |
6100 |
6250 |
22 Carat Ordinary Jewellery |
6050 |
6200 |
20 & 21 Carat Ordinary Jewellery |
5500 |
5650 |
18 Carat Ordinary Jewellery |
4450 |
4550 |
Sovereign Gold Bond Scheme & IOB Gold Powered Card |
24/22 Carat Gold |
5200 |
5400 |
Rate of Interest for Various Jewel Loan Schemes Charged by Our Bank
MCLR: 9.10% / Present RLLR: 8.35%
| Jewel Loan Schemes |
SLAB |
ROI (RLLR:- 8.35% w.e.f. 12.06.2025, 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% =8.25% |
SME GOLD(JLSME) |
From Rs. 25,000/ to Rs. 50 Lacs |
RLLR - 0.10% =8.25% |
Cash Credit:- RLLR-0.10%=8.25% |
IOB SWARNALAKSHMI (JLSWL - Women Borrowers) |
Up to Rs. 5 lacs |
RLLR - 0.15% =8.20% |
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% =8.25% |
IOB GOLD POWERED CARD(GLDPC) |
Minimum Rs. 0. 25 lakhs Maximum Up to Rs. 25 lakhs |
RLLR - 0.10% =8.25% |