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BOI Star Mahila Gold Loan Schemee
 
Purpose of Loan For purchase of Gold ornaments, preferably hallmarked, from reputed Jewellers and/or Gold coins of Bank of India.
Target Group Resident Indian Women

Working Women : Women permanently employed in Central/State Govt./PSUs/ Scheduled Banks/Teachers of Govt. Aided Institutions; and include professionals like Doctors/ C.As/Chartered Engineers etc.,
Non Working Women : Not having income proof. Spouse/other close relative who satisfy income criteria to join as co-borrower.
Age 18- 60 years
Rating Exercise Applicant should get minimum 20 marks, under banks rating exercise, to be eligible for loan under the scheme.
Type of Advance Demand/ Term Loan
Quantum of Advance Working / Non-working women : 10 times of monthly net emoluments (take home salary of self / spouse, in case of non working women) Professional : 50% of Gross Annual Income as per latest Income Tax Return Minimum Rs. 50000/- Maximum Rs.2 lacs.
Margin 20% of the cost of Jewellery/Gold.
Interest Rate
(Floating, p.a. at monthly rests)
3.00% over Base Rate
Penal Interest To be levied as per prevailing guidelines in this regard from time to time
 
 
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BOI Star Mahila Gold Loan