| Scheme Name | Financing Against Pledge of Gold Ornaments/Jewellery/Gold Coins for Agriculture and Non-Agriculture Purposes |
| Loan Variants | Non-Agri (Retail) Gold Loan and PNB Swarnim – Agri Gold Loan |
| Purpose – Non-Agri | Personal and non-agricultural needs such as medical, education, marriage and other unforeseen expenses |
| Purpose – Agri | Crop production, allied agricultural activities, farm machinery, irrigation, horticulture, transportation of agricultural produce, repayment of non-institutional agricultural loans and other eligible agricultural activities |
| Eligible Borrower – Non-Agri | Individual resident of India |
| Eligible Borrower – Agri | Farmers, agri-entrepreneurs, tenant farmers, oral lessees, sharecroppers and persons engaged in eligible agriculture/allied activities |
| Minimum Loan – Non-Agri | ₹25,000 |
| Minimum Loan – Agri | ₹10,000 |
| Maximum Loan | ₹25 lakh |
| Security | Pledge of eligible gold ornaments/jewellery/gold coins |
| Eligible Gold | Gold ornaments, jewellery and eligible gold coins |
| Margin – Non-Agri Bullet | 32% |
| Margin – Non-Agri EMI/OD | 28% |
| Margin – Agri | 15% |
| Interest – Non-Agri up to ₹10 lakh | RLLR + 0.85% |
| Interest – Non-Agri above ₹10 lakh | RLLR + 0.90% |
| Interest – Agri up to ₹2.50 lakh | RLLR + 0.50% |
| Interest – Agri above ₹2.50 lakh | RLLR + 0.75% |
| Bullet Loan Tenure | Maximum 12 months |
| EMI Loan Tenure | Maximum 36 months |
| OD Facility – Non-Agri | 12 months, subject to annual review |
| OD Facility – Agri | 12 months, subject to annual renewal |
| Processing Fee – Non-Agri | 0.30% of loan amount + GST or ₹500 + GST, whichever is higher |
| Processing Fee – Agri up to ₹50,000 | Nil |
| Processing Fee – Agri ₹50,001 to ₹2.50 lakh | ₹500 + GST |
| Processing Fee – Agri above ₹2.50 lakh | 0.25% of loan amount + GST, maximum ₹5,000 + GST |
| Documentation Charges | Nil |
| CIC Charges | ₹100 + GST, as applicable |
| Gold Appraiser Charges | Customer bears applicable charges |
| Gold Valuation | Based on purity, net gold weight and applicable gold valuation rate |
| Valuation Methods | Touch Stone, Nitric Acid Test and Specific Gravity methods |
| Bullion/Primary Gold | Not eligible |
| Disbursement – Non-Agri | Credited to Savings/Current Account |
| Disbursement – Agri | Credited to Savings/KCC account or eligible bank account; no cash disbursement |
| Prepayment | As per applicable PNB terms |
| Gold Release | After repayment of outstanding dues and completion of bank formalities |
| Safe Keeping Charges | ₹100 per month or part thereof after the prescribed period |
| Re-appraisal Charges | ₹150 per pouch |
| Latest Page Update | 05 August 2026 |
