Karnataka Bank Gold Loan

Karnataka Bank Gold Loan Overview

Karnataka Bank offers three gold loan schemes, Agri Gold Loan, General Gold Loan, and KBL Gold en CASH-OD to meet your various financial needs. The loans are offered at attractive interest rates and come comes with a flexible repayment tenure. You can apply for these schemes by visiting the nearest Karnataka Bank branch.

Features of KBL Agri Gold Scheme

  • Types:
    1. Agri Gold Loan
    2. General Gold Loan
  • Karnataka Bank Interest Rate:
  • Agri Gold Scheme: 8.19% p.a.
  • General Gold Loan:
    1. Up to Rs.2 lakh: 8.49% p.a.
    2. Above Rs.2 lakh – Rs.25 lakh: 8.79% p.a.
  • KBL GOLD en CASH-OD: 8.74% p.a.
  • Loan Tenure
  • Maximum Loan Amount
  • Security
  • Type of Gold
  • Repayment

Eligibility for Karnataka Bank Agri Gold Loan

In order to avail a gold loan, the applicants should either be HUFs (Hindu Undivided Families), Corporates or Farmers. Farmers can apply for a gold loan either individually or jointly.

Karnataka Gold Loan

You can avail a gold loan from Karnataka Bank to meet your immediate financial requirements.


  • Mode of repayment available are term repayment, bullet repayment, and overdraft.
  • For general gold loans, repayment can be done on the due date where the servicing of the interests will be done on a monthly basis.

Karnataka Bank Gold Loan Interest Rates

BL Gold Loan schemesInterest rates
KBL-Agri Gold Loan8.19% p.a.
General Gold Loan8.49% for loan amount of up to Rs.2 lakh8.79% p.a. for loan amount ranging between Rs.2 lakh and Rs.20 lakh
KBL Gold en-Cash OD8.74% p.a.

FAQs on Karnataka Bank Gold Loan

What is the maximum period of the KBL Agri Gold loan?

The maximum period of the loan is 12 months.

What is Agri gold loan?

This loan lets you get finance against security of gold ornaments for agriculture purpose.

What is the maximum amount that I can borrow when it comes to KBL Agri Subvention loan?

Under Agri Subvention, the maximum loan amount you can borrow is Rs.3 lakh. It needs to be mentioned here that the loan can be borrowed from only rural and semi-urban branches of the bank.