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📈 Finance Product

Loan Against Sovereign Gold Bonds (SGBs)

Liquidity from your gold bonds --- while they keep earning.

Retain ownership
Apply Now → Calculate EMI →
Loan Amount / Ticket size
Up to 85% of SGB value\
Free eligibility assessment · Advisor calls within 4 business hours
Check Eligibility →
At a Glance

Loan Against Sovereign Gold Bonds (SGBs) — Key Facts

Loan Amount / Ticket size
Up to 85% of SGB value\
Interest Rate / Cost
Competitive (on drawn amount)
Collateral
Lien on Sovereign Gold Bonds
Tenure
Overdraft, typically renewed annually
Turnaround Time
Fast, on lien marking
Best For
SGB holders needing flexible, low-friction liquidity
Overview

What It Is & How It Works

⚠️ Regulatory note: Effective July 2026, the RBI applies an aggregate cap of ₹1 crore per borrower on loans against listed securities (LTV-eligible). We structure your facility within the applicable limits and confirm the current cap at the time of sanction.

Overdraft facility secured by a pledge on Sovereign Gold Bonds, available to individuals and corporates for capex, opex, expansion or personal needs, with no end-use restriction. Bonds stay in your name and keep earning interest.

How It Works

The Process, Visualised

How the pledge worksYour Gold BondsPledged, still yoursValuationLender sets limitOverdraft LimitDraw as neededInterest on UseOnly on what you draw

You keep ownership and any upside on the pledged holding; interest applies only to the amount you actually use.

Eligibility Criteria

  • Holder of Sovereign Gold Bonds (individual or corporate)
  • Bonds held in demat / RBI records in the applicant\'s name
  • KYC-compliant applicant
  • Willingness to mark a lien on the bonds

Documents Required

  • SGB holding statement / certificate
  • PAN and Aadhaar
  • Bank account details
  • KYC of the applicant
  • Board resolution (for corporate applicants)
Process

From Application to Disbursal

1

Apply Online

Tell us your requirement in 2 minutes.

2

Eligibility Check

Free assessment within 48 hours.

3

File Preparation

We build and submit the complete bank-ready file.

4

Sanction & Disbursal

We follow through to money-in-account.

Who It's For

Common Applicants

Business Owners
Promoters & Directors
HNIs
Traders
Professionals
Investors
Get Started

Apply for Loan Against Sovereign Gold Bonds (SGBs)

Fill this short form — our advisor calls within 4 business hours. Or use the full application →

✓ Free assessment · Documents stored securely · We call within 4 business hours

FAQ

Frequently Asked Questions

Yes. SGBs stay in your name and continue to earn their fixed interest plus any gold-price appreciation; only a lien is marked.
No. Funds can be used for capex, operating expenses, expansion, or personal needs --- there is no restriction on legitimate use.
Typically not, since the loan is fully secured by the bonds --- which makes the process quicker and accessible even with a thin credit history.
Up to around 85% of the bond value, subject to the lender\'s policy and the applicable loan-against-securities norms.*
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Apply for Loan Against Sovereign Gold Bonds (SGBs)

Free eligibility assessment · Advisor calls within 4 business hours · Documents stored securely

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