| Sl. No | Details | Guidelines |
| 1. | Name of the Product | Jewel loans non Agri |
| 2. | Purpose | To meet any genuine Credit requirements |
| 3. | Quantum (per party) | For non-priority purpose maximum loan of Rs 10.00 lakhs AND Business purposes maximum of Rs. 20.00 lakhs. |
| 4. | Scale of Finance | 70% of Net Gold Value OR Scale of Finance per gram of 22 carat gold conveyed by HO from time to time, whichever is less |
| 5. | Margin | 30% for loans upto 20.00 lakhs |
| 6. | Rate of Interest | 11 % p.a. AND overdue interest 2% over and above the normal rate |
| 7. | Repayment | The tenor of the loan shall not exceed 12 months from the date of sanction with repayment holiday of 11 months |
| 8. | Cutback | 60% of gross salary for Salaried class |
| 9. | LTV Ratio | LTV Ratio shall not exceed 75% of the value of the pledged Gold Jewellery at any point of time during the tenure of the loan |