BSE-NSE-web Portlet

Digi-Gold Loan

Gold Loan at your fingertips! Now experience a unique Online overdraft facility with Federal Bank's Digi-Gold Loan. Save on interest while you utilize your loan amount through Mobile Banking, Net Banking or ATM card. 

  • Features & Benefits
  • How to apply ?
  • Documents Required
  • Other Terms and Conditions
  • Repayment options
  • Interest Rates & Charges
  • Gold Overdraft Facility – Funds can be utilized round the clock
  • Shop Online, Transfer funds and make Bill Payments directly from the Digi-Gold account
  • Cash / shopping with ATM card, Mobile Banking & Net Banking facilities
  • Interest is charged only on the amount utilized and only for the actual days of use
  • Deposit and withdraw cash just like a savings account
  • Flexible security– Substitute Gold Ornaments as per need
  • Longer tenure of 12 Months
  • Easy Renewal
  • Same day approval and account opening
  • Security for the loan will be pledge of 22 ct. gold ornaments
  • Any Individual can avail Digi-Gold Loan
  • Can be availed for personal, business and agricultural purposes
  • To avail the limit, please visit any of our branches
If you are an existing customer, no extra documents are needed.
If you are a new customer, the following documents are required:
  • Proof of Identity (Passport / Voter ID / Driving License / PAN Card etc.)
  • Address Proof (Ration Card / Telephone or Electricity Bill / Lease Agreement / Passport / Trade license / Sales Tax Certificate etc. )
  • Recent Passport size photograph
  • Minimum Loan amount: Rs. 1000
  • Maximum Loan amount: 150 Lakhs 
  • Rate per gram - To know maximum rate per gram, please click here.

Overdraft account – Lumpsum repayment

  • Nominal processing fees
  • Interest will be applied only on the amount utilized for the actual number of days.
  • Please visit the Interest Rates page for details