Check your PNB gold loan eligibility. Rate: 7.85 - 9.90% p.a. Max amount: ₹25 L.
Punjab National Bank offers gold loan at an interest rate of 7.85 - 9.90% p.a. with a maximum tenure of 3 years. The maximum loan amount is ₹25 L with a minimum monthly income requirement of ₹15,000.
| Loan Amount | Monthly EMI | Total Interest | Min Income Required |
|---|---|---|---|
| ₹1 Lakh | ₹8,692 | ₹4,304 | ₹14,020/mo |
| ₹2 Lakh | ₹17,384 | ₹8,608 | ₹28,039/mo |
| ₹3 Lakh | ₹26,076 | ₹12,912 | ₹42,059/mo |
| ₹5 Lakh | ₹43,460 | ₹21,520 | ₹70,097/mo |
| ₹7 Lakh | ₹60,843 | ₹30,116 | ₹98,134/mo |
| ₹10 Lakh | ₹86,919 | ₹43,028 | ₹1,40,192/mo |
PNB Gold Loan interest rate ranges from 7.85 - 9.90% p.a. in 2026. The actual rate depends on your credit score, income, and loan amount.
PNB offers a maximum gold loan of ₹25 L with a tenure of up to 3 years.
The processing fee for PNB Gold Loan is 0.75% + GST.
PNB Gold Loan prepayment policy: Nil.
The minimum monthly income required is ₹15,000. Use the calculator above to check your exact eligibility based on your income.