Multiple banks. Different interest rates. Call it a "conflict of interest".
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  • Karnataka Bank Gold Loan is Rated as "Blown Away!" by 9 Users

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    Karnataka Bank Gold Loan

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    Overview of Karnataka Bank Gold Loan Scheme

    The Karnataka Bank Gold Loan scheme is called KBL Agri Gold Scheme and this is offered specifically for meeting the expenses arising out of agricultural activities.

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    Features of KBL Agri Gold Scheme

    Products under KBL Agri Gold Scheme

    KBL Agri Gold Scheme offers loan against gold for the purpose of Agri Production and Agri Subvention. Agri Subvention is implemented in rural and semi urban branches of the bank as per the instructions of the Central Government.

    Karnataka Bank Interest Rate

    The interest on gold loan loan for Agri Subvention is discounted and is 7% per annum.

    Loan Tenure

    The maximum loan tenure that is offered by the Bank on this gold loan scheme is 12 months for both Agri Production and Agri Subvention.

    Maximum Loan Amount

    The maximum loan amount that is offered as gold loan is Rs. 25, 00,000 per account and Rs 1, 00, 00,000 per borrower, for Agri Production purposes.

    The maximum loan amount offered to borrowers for Agri Subvention is Rs. 3, 00,000.


    Hypothecation of assets or crops is required as primary security. Collateral security is the gold ornaments that have been pledged with the Bank for the loan amount.

    Type of Gold

    All gold ornaments/ jewellery are accepted, especially minted gold coins that are sold by Banks, but this should not exceed 50 grams per borrower.


    The repayment of the gold loan principal amount should be made on or before the maturity date of the loan. Interest is to be paid out by the due date/ yearly.

    Eligibility for Karnataka Bank Agri Gold Loan

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

    Karnataka Bank Gold Loan Reviews

    • Karnataka Bank Personal Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      I'm a salaried account holder with KARNATAKA BANK. They provide me a personal loan as I'm a long time customer to them. I have accepted and taken that personal loan from them. But they offered me the personal loan with 14% as rate of interest which is high compared to other banks and processing fees is Rs. 2500 is also high. 3 years ago I started this personal loan and it's still active.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 14, 2017
    • Karnataka Bank Personal Loan
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      Karnataka bank has been good in their services. I have taken a personal loan on two occasions. And they process was very easy. I got the loan within a day. The rate of interest is normal. The processing charges was normal too. On both occasions the process was very good and quick.
      Was this review helpful? 3
      , chennai
      Reviewed on Mar 11, 2016
    • Karnataka Bank Personal Loan
      0.5 5.0/5 "Blown Away!"
      It is very easy to get the personal loan with Karnataka bank as i have account with them . Rate of interest is 15.25% and there is no processing fee. They just need the pay slip and Adhaar card as the documents. Pre closure can be done any time but the interest rate will be fixed throughout the tenure.
      Was this review helpful? 1
      , bangalore
      Reviewed on Mar 07, 2016
    • Karnataka Bank Personal Loan
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan from Karnataka Bank. The bank is very customer friendly. They have a pre closure option. And there are no charges taken. They also have a part payment option. The rate of interest was normal. Overall a very good experience.
      Was this review helpful? 4
      , bangalore
      Reviewed on Feb 05, 2016
    • Karnataka Bank Personal Loan
      "Supportive Bank..."
      0.5 5.0/5 "Blown Away!"
      My personal loan was taken from Karnataka bank. I got an very good support from manager end. Last 2 years back I was taken this loan with 14.5% interest. Required documents are very simple like 3 months salary slip and bank statement. They disbursed within 3 to 4 working days.
      Was this review helpful? 1
      , bangalore
      Reviewed on Nov 18, 2015
    • Karnataka Bank Personal Loan
      0.5 5.0/5 "Blown Away!"
      I hold a account with KARNATAKA Bank. personal loan process is good.They took 1 day to process the loan.I applied for 1 Lack and 80000 they approved.Interest rate 16.5.processing Fees 650.I didn't give much documents loan was processed.Overall there was a good response from bank though It was a new branch
      Was this review helpful? 4
      , hosur
      Reviewed on Jul 09, 2015
    • Karnataka Bank Personal Loan
      "Good one"
      0.5 5.0/5 "Blown Away!"
      Karnataka Bank personal loan process is fine, they precess the request very slowly. They took around 25 days of time to provide this loan. This loan was taken through one of my friend and its fine. They have to work on their technology as they are way behind. The most exciting part of this loan is the interest rate which is 15% and it is the least as well.
      Was this review helpful? 5
      , bangalore
      Reviewed on Jun 03, 2015
    • Karnataka Bank Personal Loan
      "Good Service Overall"
      0.5 4.0/5 "Great!"
      Karnataka Bank Saving Account, i am using from past 2 months only, the account opening process was very easy and simple, staffs are very co operative for any issues, i got my welcome kit instantly, ATM facility is good, overall i am satisfied with service.
      Was this review helpful? 10
      , bangalore
      Reviewed on Jul 15, 2014
    • Karnataka Bank Personal Loan
      "Blown away services from Karnatanka Bank!!!!!"
      0.5 4.0/5 "Great!"
      I dropped the plan of taking a personal loan through other bank due to some hidden cost and later I contacted Karnataka Bank for the home loan the customer service is good , I am really happy with their interest rate processing fee and their overall service is splendid.
      Was this review helpful? 12
      , hyderabad
      Reviewed on Jun 03, 2014
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