How to apply PNB Digital Gold Loan Online

Steps to apply PNB Digital Gold Loan Online

PNB being one of the largest nationalized bank has come up with new initiative of PNB Digital Gold Loan Online for their customers. Yes you have heard it right, now you can apply PNB Digital Gold Loan Online sitting at comfort of your home/ office. We are providing you all details of procedure to apply for PNB Digital Gold Loan Online. This digital gold loan is similar to Digital e-gst Loan previously launched by PNB bank. 


PNB has already a scheme for giving loan against Gold Loan for their customers but for this customer has to visit the branch physically and fill all the documents and get the loan as per prescribed rules of bank.


Now they can apply for Digital Gold Loan online from anywhere giving details about their requirement about PNB Gold Loan. This Online PNB Gold Loan scheme is available for their existing customers as well as for new customers. 


Steps for applying PNB Gold Loan Online:

For applying PNB Gold Loan Online, customer has to visit bank’s website and search for Online Services. In Online services link, the last link is for Digital Gold Loan.

PNB Digital Gold Loan Online


Step 1: Click on Digital Gold Loan and it will be directed to Apply page for Digital Gold Loan PNB.

PNB Digital Gold Loan Online

Step 2: Customer will then enter Mobile Number and email (optional) and click on “Send OTP” button.

Step 3: Customer will then enter “Aadhaar Number” and validate the same through OTP.

Step 4: Customer will then go to “Choose your Loan Type” option and choose appropriate option from the drop down. He/She will also enter the loan amount required by him/her

Step 5: Then pop up related with FATCA declaration will open which customer have to accept to proceed further

Step 6: Customer will then select “State”, “District” and “Branch” through the dropdown and click on “Proceed” button.

Step 7: Customer will then go to “Customer Verification” tab and choose if he/she is existing customer of bank or not. If yes, then customer will enter CIF ID or Account Number and validate the same through OTP sent on registered Mobile Number. 

Step 8: Customer will then enter Loan Type and Disbursement Account details in “Loan Type and Account Disbursement” tab.

Step 9: Customer will then go to “Ornament/Jewellery and Legal Heir” tab and enter Ornament/Jewellery details in “Ornament/Jewellery Details” tab. Customer will then tick mark the check box of the undertaking and click on “Proceed” button to move to next step.

Step 10: Customer will then go to “Loan Amount Details” tab where tentative eligible loan amount, ROI & charges will auto populate as per inbuilt business logic. Customer have fill about loan tenure and click on “Proceed” button to move to next step. 

Step 11: Customer will then go to “Time Slot Selector” tab and select the date and slot for visiting the branch from scheduler.

Step 12: Customer will then go to “Rate Your Digital Journey Experience” tab and provide necessary feedback. Customer can also enter the referral code (Employee ID) here, if any.


SMS/ email will be sent to the customer which will read as:- “Your application no._____________ for PNB Digital Gold Loan has been submitted successfully.”


Features of PNB Digital Gold Loan Online

  1. PNB gold loan interest Rate: Current Rate: 8.65% (Latest rate of Loan at PNB)
  2. Eligibility: Any person engaged in any agriculture or allied activities as well as person permitted by RBI to be under classified as agriculture (For Agriculture Gold loan)

And A person resident of India, being an individual in his capacity. (any retail customer)

  1. Maximum loan: 10000 to 200000 (For Agri)

  25000 to 2500000 (For Retail)

  1. Processing Fees: Processing Fee* – i. Up to ₹50000 – NIL ii. Above ₹50000 upto ₹2.00 lakh – Rs.500 +GST Documentation Charge – NIL (For Agri)

0.30% of loan amount + GST or Rs. 500 + applicable Tax, whichever is higher (For Retail)

  1. Valuation Charges for Gold : Rs. 500/- per valuation irrespective of loan amount proposed. (For Agri & Retail)
  2. Customers can apply for PNB Digital Gold through Internet banking/ Mobile Banking or through PNB Website. 
  3. PNB Gold Loan Customer Care no: 1800 1800/ 1800 2021


PNB gold loan documents required:  

  1. Address Proof: For Address proof, Driving License, Voter ID or Ration Card or aadhar card.
  2. Identity Proof : Aadhar Card/ Driving License or Voter IT Card.
  3. Customer must have proof of landholding in case of agriculture loan.

Although the PNB Digital Gold loan doesn’t require KYC documents for existing customers but for new customers, bank may ask for KYC documents.



Q1. From where we can apply for PNB Digital Gold Loan Online?

Ans: You can apply for PNB Digital Loan online through Internet banking, Mobile Banking or through Pnb corporate website.

Q2. I am not related to agriculture. Whether I can apply for PNB Digital Gold Loan.

Ans: Yes any individual with age more than 18 years and eligible as per bank’s guidelines may apply for PNB Digital Gold Loan.

Q3. Whether I have to get my Gold evaluated or bank will do it for me?

Ans: Bank will get your physical gold evaluated from their registered vendor and will charge the amount from customer.

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