Public Sector BankRBI Priority Sector Lending
Bank of Baroda (BoB) Baroda Kisan Gold Loan
बैंक ऑफ बड़ौदा (बॉब) बड़ौदा किसान गोल्ड लोन — Agricultural Gold Loan Dossier
Bank of Baroda provides prompt crop liquidity against household jewelry, eliminating farmer reliance on unauthorized local moneylenders charging 24%–36% interest.
Concessional Rate7.35% p.a.PSL Subsidized
Maximum LTV75%Of market gold value
Max LimitUp to ₹25,00,000Per farmer borrower
Disbursement30 minutes instant sanction via bob World WaveRapid counter release
Official BoB Kisan Gold Customer Care:Toll-Free Helpline: 1800-5700
Key Agricultural Lending Advantages
Baroda Kisan Tatkal feature delivers pre-approved credit for existing agri clients.
Direct integration with state digital land record portals for paperless validation.
Flexible rollover options if unseasonal weather delays mandi market arrivals.
Harvest-Aligned Repayment Modes
Option 1
Single Bullet Repayment after Harvest
Option 2
Half-Yearly Interest Aligned with Kharif/Rabi
Mandatory Agricultural Documentation
Carry these simple documents to your nearest branch to secure the 7% concessional Priority Sector Lending rate:
1Aadhaar card
2Recent land revenue record / Patta copy
3Sowing certificate / Kisan Credit Card passbook copy
Scheme Specifications
Interest Rate:7.35% to 7.85% p.a.
Max Loan Amount:Up to ₹25,00,000
Max LTV:75%
Processing Fee:Zero processing fee up to ₹3 Lakhs
Tenure:12 Months
Compare Other Agri Gold Lenders
FAQ
Frequently Asked Questions on BoB Kisan Gold
Bank of Baroda (BoB) Baroda Kisan Gold Loan offers a concessional interest rate of 7.35% to 7.85% p.a. for agricultural borrowers, provided basic agricultural land documents (7/12 extract, Khasra, or crop sowing certificate) are furnished.
Loans are typically sanctioned for a tenure of 12 months with flexible Bullet Repayment options, allowing the farmer to repay both the principal and accrued interest at one go after the harvest crop auction.
In accordance with RBI directions, BoB Kisan Gold sanctions up to 75% of the net market value of hallmarked 22K/24K gold jewelry, appraised electronically in the branch.
Tenant farmers, sharecroppers, and oral lessees can still qualify by submitting a self-undertaking of cultivation countersigned by the local Village Panchayat Sarpanch or Agriculture Assistant, or by enrolling under the bank's allied agri-credit category.