Gold loan pledge form 2026

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The document is a Gold Loan Pledge Form from The South Indian Bank Ltd., outlining the terms and conditions for borrowers seeking a loan against pledged gold ornaments. It includes borrower details, loan amount, purpose, and a schedule for the gold pledged. The terms specify repayment conditions, interest rates (fixed or floating), risks associated with the pledged items, and the bank's rights regarding loan recovery and auctioning of pledged jewels in case of default.

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Click ‘Get Form’ to open the gold loan pledge form in the editor.
Begin by filling in your GL No. and the branch name at the top of the form. Select your category of borrowers, indicating whether you are a priority or non-priority borrower.
Provide details about your eligibility, including whether you belong to SC/ST/BC categories and specify if you are a marginal farmer, small farmer, or agricultural laborer.
State the amount of loan requested and the duration for which you need it. Clearly mention the purpose of the loan, especially if it relates to agricultural operations.
Fill in personal details such as your name, age, present address, and permanent address. Ensure that all information is accurate for processing.
In the schedule section, list each piece of gold jewelry being pledged along with its weight and appraised value. This is crucial for determining your loan amount.
Review all filled sections carefully before signing at the bottom of the form to confirm your agreement with the terms and conditions outlined.

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2016	4.3 Satisfied (45 Votes)

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What is a gold loan pledge?

A Gold Loan enables the borrower to pledge their gold as collateral to receive cash. A Loan against Gold can be availed for any purpose such as marriage, education, medical treatment or business expansion. Gold Loan interest rates are lower than other types of loans and the time to process the loan is also faster.

Whats the point of a pledge loan?

Gold coins remain a popular asset to pledge because of these advantages: Standardised Value: Gold coins typically have standard weight and purity (usually 24 carat), making their value easier to calculate. Banks and NBFCs can quickly determine how much loan they can offer to them.

What is a pledge loan?

Can I avail loan against Gold Coins sold by other Private/Nationalized Banks? Yes, loans can be availed against the security of specially minted gold coins sold by Banks weighing maximum up to 50 grams per customer.

Can we pledge gold coins for a loan?

Some lenders may require a minimum purity of 20 carats or 22 carats for gold jewellery in specific categories, such as bridal wear, coins or bars, large loans, or antique jewellery. High-purity 24-carat gold in coins or bars can achieve the maximum LTV and loan amount per gram of gold pledged.