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Last Modified : Dec 17, 2009 11:04 AM

LOANS & ADVANCES --> RETAIL LENDING SCHEME --> jewel loans
Jewel Loans


Eligibility
Loan Amount
Margin
Rate of Interest
Processing Charges
Repayment
Security
Fair Practice Code on Lenders Liability

Eligibility

Individuals of all income groups

Loan Amount

Depending upon the value of the gold as assessed periodically. [w.e.f. 03.12.2009]

Details	Rs.per gram
For 22 carat Gold Ornaments / Jewelery	1100
Hall Marked Gold Ornaments/ Jewellary	1200

The limit specified above is subject to 75% of the appraised value or the rate proposed whichever is lower.

Margin

Margin prescribed is 25%

Jewel Appraiser's Commission

Area	Proposed
Rural areas	0.5% on the loan amount with min. of Rs. 25/- & max. of Rs. 100/-
Other areas	0.5% on the loan amount with min. of Rs. 25/- & max. of Rs. 200/-

Repayment

Loans are for a period of 12 months / operative limit for 2 years.

Security

Pledge of 22 carat gold / Hall marked Gold ornaments & jewellery

Debt Waiver / Relief Beneficiaries

Branch

ATM

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