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If you’re planning to take a gold loan from the State Bank of India (SBI) in 2025, there’s an important update you need to know before pledging your gold. The bank has introduced new guidelines aimed at making gold loans more transparent, secure, and beneficial for both borrowers and the bank.
These rules affect how much loan you can get against your gold, the repayment terms, and the overall loan process. Let’s go over what’s changed and how it impacts you.
SBI Gold Loan
An SBI Gold Loan lets you borrow money by pledging your gold ornaments or coins as collateral. The bank gives you a certain percentage of your gold’s market value as a loan, usually within hours, while keeping your gold safe in its vault.
Once you repay the loan (along with interest), your gold is returned. It’s one of the quickest and most trusted ways to get cash without selling your jewellery.
Key Changes in SBI Gold Loan Rules for 2025
Here’s a breakdown of the latest updates introduced by SBI under the 2025 guidelines:
| Feature | Old Rule | New Rule (2025) |
|---|---|---|
| Loan-to-Value (LTV) Ratio | Up to 75% of gold’s value | Up to 80% (depending on purity and tenure) |
| Minimum Loan Amount | ₹20,000 | ₹10,000 (to make it accessible for rural borrowers) |
| Maximum Tenure | 24 months | 36 months for select schemes |
| Gold Purity Check | Manual testing | AI-based purity verification for accuracy |
| Repayment Flexibility | Fixed EMIs only | Flexible repayment options including bullet and overdraft repayment |
| Online Application | Limited | Full online process through SBI YONO and website |
| Processing Time | 24–48 hours | Same-day disbursal for eligible borrowers |
These new rules make SBI’s gold loans more borrower-friendly, offering faster access to funds and greater flexibility in repayment.
How Much Loan You Can Get in 2025
With the revised LTV ratio of up to 80%, you can now get a higher loan against the same amount of gold.
Here’s an example:
| Gold Value (as per market rate) | Loan Value (Old 75% Rule) | Loan Value (New 80% Rule) |
|---|---|---|
| ₹1,00,000 | ₹75,000 | ₹80,000 |
| ₹2,00,000 | ₹1,50,000 | ₹1,60,000 |
| ₹5,00,000 | ₹3,75,000 | ₹4,00,000 |
This increase may seem small, but it gives borrowers a higher cash benefit during emergencies without needing to pledge extra jewellery.
Interest Rates on SBI Gold Loans in 2025
As of early 2025, SBI is offering gold loan interest rates starting at around 8.25% per annum, depending on your profile and loan amount.
- Regular Customers: 8.25% – 9.5% p.a.
- SBI Pensioners or Salary Account Holders: 7.75% – 8.0% p.a.
- Overdraft Gold Loan: 9.0% p.a. (with flexible withdrawal facility)
Interest is charged only on the amount you use, and there are no prepayment penalties if you repay early.
How to Apply for an SBI Gold Loan in 2025
You can now apply entirely online or visit your nearest SBI branch:
Online (Through YONO or SBI Website):
- Log in to the SBI YONO app or website.
- Go to Loans → Gold Loan.
- Enter your details and gold estimate.
- Get instant eligibility and approval.
- Visit the nearest branch for final gold valuation.
Offline (At Branch):
- Carry your gold jewellery, ID proof, and address proof.
- The bank evaluates the purity and weight of your gold.
- The loan amount is disbursed directly into your account, often on the same day.
Benefits of the New SBI Gold Loan Rules
- Higher Loan Value: Up to 80% of your gold’s market price.
- Faster Disbursal: Get funds within hours of approval.
- Flexible Repayment Options: EMI, bullet, or overdraft modes.
- 100% Safety: Gold stored securely in SBI’s vaults.
- Low Interest Rates: Starting below 9% p.a. for eligible customers.
These improvements make SBI’s gold loan scheme more accessible, transparent, and customer-friendly than ever.
Precautions Before Pledging Your Gold
Even though SBI is a trusted institution, it’s smart to keep these tips in mind:
- Get your gold valued only by SBI-authorized staff, avoid outside appraisers.
- Always read the loan terms carefully, especially about repayment mode and tenure.
- Don’t over-borrow, only take what you can comfortably repay.
- Collect the loan closure receipt and release your gold immediately after repayment.
Conclusion
The SBI Gold Loan New Rules 2025 bring significant relief to borrowers by offering higher loan value, longer repayment tenure, and improved transparency. Whether you’re a farmer, small business owner, or someone facing a financial emergency, these updated rules ensure quick, safe, and flexible access to funds without selling your gold.
If you’re planning to pledge gold in 2025, this is the best time to take advantage of SBI’s new borrower-friendly features.
FAQs
1. What is the maximum loan I can get per gram of gold in 2025?
It depends on gold purity and current market price, but on average, SBI offers up to ₹5,500–₹6,000 per gram under the new 80% LTV rule.
2. What is the current interest rate for SBI Gold Loans?
Interest rates start from 8.25% per annum for regular customers and go up to around 9.5%, depending on the scheme.
3. Can I apply for an SBI Gold Loan online?
Yes, you can apply through the SBI YONO app or official website and complete valuation at your nearest branch.