Apply for Gold Loan we have lowest rate of Interest in Gold Loan Normal and Above 2 lakhs
Gold Loan is offered @Rs.7700/-(per gram), The per gram gold rate will be reviewed by the Bank for every 15 days.The rate of interest 10.55% with maximum amount of Rs.30.00 lakhs to individual in a year.
It is only a Non-Agriculture Loan where in the customers can avail of Gold Loans against pledging of Gold ornaments at all the branches.The maximum amount is Rs.30,00,000/- per individual.
| S no | Amount | New GL Code | Max LTV Ratio | ROI | Existing PER GRAM RATE | Revised Per Gram Lending Rate |
| 1 | Upto ₹2.5 lakh | 5040 | 85% | 10.55% | Rs. 7,500/- | Rs. 7,700/- |
| 2 | ₹2.5 - 5 lakh | 5046 | 80% | 10.55% | Rs. 7,300/- | Rs. 7,400/- |
| 3 | Above ₹5 lakh | 5048 | 75% | 10.55% | Rs. 7,000/- | Rs. 7,200/- |
1)The above mentioned rates W.e.f 21.10.2025
2) To all the 3 products installments are fixed as bullet repayment with oneyear tenure.
3) To direct the gold appraiser to be cautious in appraising the quality of gold ornaments and ensure that the gold ornaments are netted by duly deducting the weight of Lac/Stones/Beads.
4) To ensure the TDS (10%) on Appraiser Commission is duly remitted to Income Tax on monthly basis.
5) That no excess financing is done while sanctioning gold loans.
6) To ensure compliance with the Gold loan cap of Rs.30.00lakhs per individual.
7) To ensure adherence to CMA norms prescribed by NABARD.
All the branch managers are instructed to follow the above guidelines scrupulously and see that the loaning portfolio is to be improved considerably to achieve the targets set to Branches.
A gold loan is a secured loan where you pledge your gold jewellery (or other acceptable gold items) as collateral with the bank. The bank assesses the value of the gold, gives you a loan amount based on a percentage of that value, and you repay the loan (with interest) by the due date or as per agreed terms. Once you repay, the pledged gold is returned to you.
Typically, to be eligible you must:
Be an Indian resident within the jurisdiction served by Khammam DCCB.
Own and possess the gold jewellery to be pledged (free of any existing encumbrance).
Be able to furnish identity and address proof, and fulfil other documentation norms of the bank.
The bank generally accepts gold jewellery (e.g., chains, rings, bangles) of specified purity (often 22 carat or as per policy). The jewellery must be eligible for pledge: ownership should be clear, no encumbrances, and it must be in good, traceable condition.
The District Cooperative Central Bank Ltd, Khammam Mahatma Gandhi Road, Gandhi Chowk, PB No:61, Khammam-507003.
info@khammamdccb.com