Salaried Class Women / Working Women employed in Organised Sector / Housewives, with minimum gross monthly income of Rs.10,000/-. Income of spouse can be added only in the case of housewives. The applicant should be properly introduced to the Bank.

For working women, income of the spouse can be taken for arriving the quantum of loan.

Purpose For purchase of Gold Ornaments/ Jewellery

18 - 55 years

10 time the gross monthly income (max.)
Minimum Rs.10,000/- Maximum Rs 2 lakh

60 EMI

BPLR + TP minus 1% = 12.00% fixed

NIL upto Rs.50,000/-
0.50% for loans above Rs.50000/-

No Cash Margin / Collateral for loan amount up to Rs.50000/- (Salary Credit / Undertaking from employer is must. Where the employer has tie-up arrangement with other Banks for salary disbursal, post dated cheques will be obtained.)

Additional security, as under, is a must For Limits above Rs.50,000/-

Margin	Nature of security
Nil	Liquid assets like NSC / LIC policy of equal value is offered.
15%	Immovable property is offered as security.

For House-wives, post-dated cheques from self / spouse (12 nos.)