The document discusses various gold loan schemes offered by several banks and financial institutions in India. It provides details on eligibility requirements, documents needed, loan amounts, interest rates, and repayment terms for schemes like SBI Gold Loan, ICICI Gold Loan, Muthoot Finance Gold Loan, and Manappuram Gold Loan. It also includes a questionnaire for customers to provide feedback on factors like documentation process, interest rates, customer service, and safety of gold ornaments against gold loans.

1. A STUDY ON
CUSTOMER
SATISFACTION
TOWARDS GOLD
LOAN
GROUP-6

2. GOLD LOAN
A gold loan is a secured loan wherein the borrower
keeps their gold, ranging from 18K to 24K, with a bank
or a financial institution as security and avails capital
against it.

3. How Do Gold Loans Work?
• Checking the quality
• Know Your Customer (KYC)
• Approval of gold loan

4. SBI
GOLD LOAN
SCHEME

5. SBI Personal Gold Loan
• Maximum Loan Amount : Rs 50.00 lacs
• Minimum Loan Amount : Rs 20,000 /-
• Margin
– Gold Loan: 25%
– Liquid Gold Loan: 25%
– Bullet Repayment Gold Loan: 35%
• Security : Pledge of gold ornaments duly verified for quality & quantity.
• Processing Fees:
0.50% of the Loan amount minimum Rs500/- + applicable GST
• Interest Rate :
– For any Loan amount : 0.30% above the MCLR-1yr
• Others : Gold appraiser charges will be paid by the Applicant.

6. SBI Personal Gold Loan
Eligibility
• Age : 18 years and above
• Profession : Any individual (singly or jointly) with Steady source of income
including: Bank’s Employees, Pensioners. (No Proof of income required)
Documents Required
To Apply Loan
• Application for Gold Loan with two copies of photographs.
• Proof of Identity with proof of Address
• Witness Letter in case of illiterate borrowers.
Time of Disbursement
• DP note and DP Note Take Delivery Letter.
• Gold Ornaments Take Delivery Letter.
• Arrangement Letter.

7. SBI Personal Gold Loan
Repayment
• Repayment Mode
– Gold Loan EMI based : The repayment of Principal and Interest will be commenced
from the month following the month of disbursement.
– Liquid Gold Loan: Overdraft Account with transaction facility and monthly interest is
to be served.
– Bullet Repayment Gold Loan: On or before the term of the loan/ on closure of
account.
• Repayment Period
– Maximum :
Gold Loan : 36 months
Liquid Gold Loan : 36 months
Bullet Repayment Gold Loan : 12 months

8. SBI Realty Gold Loan
• Maximum Loan Amount : Rs 50.00 lacs
• Minimum Loan Amount : Rs 50,000 /-
• Margin
– SBI Realty EMI Gold Loan: 25%
– SBI Realty Liquid Gold Loan (Overdraft): 25%
– SBI Realty Bullet Repayment Gold Loan: 35%
• Security : Pledge of gold ornaments duly verified for quality & quantity.
• Processing Fees : 0.50% of the Loan amount minimum Rs500/- + applicable GST .
• Interest Rate :
– For nay loan amount : 0.30% above the MCLR-1yr
• Others : Gold appraiser charges will be paid by the Applicant.

9. SBI Realty Gold Loan
• Eligibility
• Age : 18 years and above
• Repayment Period - Maximum upto :
– SBI Realty EMI Gold Loan : 36 months
– SBI Realty Liquid Gold Loan : 36 months
– SBI Realty Bullet Repayment Gold Loan : 12 months
• Repayment Mode
– SBI Realty EMI Gold Loan : The repayment of Principal and Interest will be commenced from
the month following the month of disbursement.
– SBI Realty Liquid Gold Loan: Overdraft Account with transaction facility and monthly interest
is to be served.
– SBI Realty Bullet Repayment Gold Loan : On or before the term of the loan/ on closure of
account.

10. SBI Gold Loan interest rate
Scheme 1 year MCLR Spread over 1 year MCLR Effective Interest Rate
Realty Gold Loan(all variants) 7.10% 0.30% 7.40%

11. ICICI
GOLD LOAN
SCHEME

12. Gold Loan: Get Loan
Against Gold Jewellery
Features & Benefits of Gold Loan
ICICI Bank Gold Loans offer various benefits that make it the ultimate solution for all
your financial needs:
• Quick disbursal
• Attractive interest rates
• Simple documentation
• No EMIs. Repayment at the end of the loan tenure
• Complete safety of your jewellery
Minimum loan amount : 10000
Maximum loan amount : 15 lakh

13. Gold Loan: Get Loan
Against Gold Jewellery
How to Apply for ICICI Bank Gold Loan
• https://www.icicibank.com/calculator/gold-loan-calculator.page?#toptitle
Eligibility:
• The applicant must be above 18 years of age.
• Applicant must remember that the purity of your jewellery must be above 18 karats
of gold as your loan amount will also depend on it.
• Applicant don’t need to submit any income proof to get a gold loan from ICICI Bank,
but they should have a stable flow of income to ensure a smooth repayment.
• The individual must have the receipt of gold against which he or she wants to opt
for a gold loan.
Online Missed call Offline

14. Gold Loan: Get Loan
Against Gold Jewellery
Documentation
ICICI Bank Gold Loan is designed keeping your convenience in
mind.
1. Two passport size photograph
2. ID Proof such as Driving License / Passport Copy / Voter ID Card /
Aadhaar Card / Ration Card, any one document needs to be submitted
3. Address Proof such as Driving License / Voter ID Card / Aadhaar Card /
Passport Copy/ Job Card Issued by NREGA (any one)
Documentation Charges : ₹ 199

15. MUTHOOT
FINANCE
GOLD LOAN
SCHEME

16. MUTHOOT ONE
PERCENT LOAN
• Online Gold Loan (OGL) facility available
• Loan Amount: ₹1,500 to ₹50,000
• Tenure: 12 months
• Free insurance for pledged gold ornaments
• Scheme with the lowest rate of interest (12% p.a.) if 100% interest is paid monthly

17. MUTHOOT ULTIMATE
LOAN (MUL)
• Online Gold Loan (OGL) facility available
• Loan starting from ₹1,500 and no maximum limit
• Tenure: 12 months
• Free insurance for pledged gold ornaments
• Rate of interest is 22% p.a. with 2% rebate if 100% interest is paid monthly

18. MUTHOOT DELIGHT
LOAN
• Online Gold Loan (OGL) facility available
• Loan Amount: ₹1 lakhs to ₹5 lakhs
• Tenure: 12 months
• Free insurance for pledged gold ornaments
• Low rates of interest

19. MUTHOOT EMI
SCHEME (MES)
• Loan starting from ₹20000 and no maximum limit
• Tenure: 6, 12, 18, 24, 30, or 36 months
• No penalty on prepayments
• Attractive 21% rate of interest (diminishing balance)
• Maximum Value Loan offered
• 3 days grace period for late payment of EMI
• Freedom to pay one or more EMIs based on your convenience

20. MUTHOOT BIG
BUSINESS LOANS
• Low rates of interest with maximum LTV
• Tenure: 12 months
• Free insurance for pledged gold ornaments
• Online Gold Loan (OGL) facility available
• Loan Amount: ₹25 Lakhs to ₹500 lakhs as per Schemes
• Muthoot Big Business Loan Silver @9.5% p.a.
• Muthoot Big Business Loan Platinum @9% p.a.
• Muthoot Big Business Loan Diamond @9% p.a.
• Muthoot Big Business Loan Elite @ 9% p.a.

21. MANAPPURAM
GOLD LOAN
SCHEME

22. Online Gold Loan
FEATURES
• Access gold loan from anywhere, anytime
• Free insurance cover for your gold
• Easy documentation, instant approval, convenient 24X7 online repayment
• Hassle-free, paper-less transaction from your mobile device
• Free safe custody for your valuable gold
• No hidden charges, fully transparent
• Loans up to Rs.1.5 crore
• Avoid lengthy manual documentation process.
• 100% safety and security for your gold jewellery
• Enjoy anytime liquidity

23. Gold Loan
• SCHEME NAME: MANAPPURAM KISSAN LOAN GL MKL*
• LOAN LIMIT: MIN RS 5 LAC
• LOAN TENURE: 90 Days
• EFFECTIVE INTEREST RATE AFTER REBATE (P.A.): 9.9% -23.75%
• REBATE %(RANGE): 2.25% - 16.1%
• INTEREST RATE: 26%
• ANNUALISED INTEREST RATE: 26.56%

24. Gold Loan
• SCHEME NAME: GL SX
• LOAN LIMIT: MIN. Rs 1000
• LOAN TENURE: 90 Days
• EFFECTIVE INTEREST RATE AFTER REBATE (P.A.): 23%
• REBATE %(RANGE): 1% - 3%
• INTEREST RATE: 26%
• ANNUALISED INTEREST RATE: 26.56%

25. Gold Loan
• SCHEME NAME: GL MRS
• LOAN LIMIT: MIN.Rs1000
• LOAN TENURE: 90 Days
• EFFECTIVE INTEREST RATE AFTER REBATE (P.A.): 12%
• REBATE %(RANGE): 1% - 14%
• INTEREST RATE: 26%
• ANNUALISED INTEREST RATE: 27.43%

26. Gold Loan
• SCHEME NAME: GL MKL – 4
• LOAN LIMIT: MIN. 4LAC, MAX 5 LAC
• LOAN TENURE: 90 Days
• EFFECTIVE INTEREST RATE AFTER REBATE (P.A.): 11%
• REBATE %(RANGE): 2% - 15%
• INTEREST RATE: 26%
• ANNUALISED INTEREST RATE: 27.43%

27. Gold Loan
• SCHEME NAME: GL MKL – 3
• LOAN LIMIT: MIN. 3LAC, MAX 4 LAC
• LOAN TENURE: 90 Days
• EFFECTIVE INTEREST RATE AFTER REBATE (P.A.): 11.5%
• REBATE %(RANGE): 1.75% - 14.5%
• INTEREST RATE: 26%
• ANNUALISED INTEREST RATE: 27.43%

28. QUESTIONNAIRE
Name:
Phone number:
Age:
Between 21 to 25 □ Between 25 to 35 □ Between 35 to 50 □ above 50□
Gender:
Male□ Female□
Occupation:
Student □ Job □ Business □ Housewife□
Monthly income:
Below 15,000□ between 15,000 to 30,000□ between 30,000 to 50,000□
above 50,000□
Purpose of taking Gold Loan
Family Requirement□ Medical Requirement□ Education Fee□ Agriculture Purpose□
Other□

29. QUESTIONNAIRE
strongly agree agree neither agree nor
disagree
disagree strongly disagree
Documentation process is easy
Less document required for gold loan
Gold loan approval is faster
Gold loan interest rate is affordable
Repayment options are easy
Staff behaviour is good
Response from staff is faster
Problem solving time is convenient
Problem solving skill and behaviour of staff is good
Is it provides safety of gold ornaments
Loan closing system is fast