Cash n Gold FAQs
Q. What is Cash n Gold Loan?
A. Cash n Gold means financing against pledge of gold ornaments. Allowed for domestic needs such as education, marriage, medical or any other lawful purpose.

Q. What is eligibility criteria?
A. Any individual who is resident Pakistani, CNIC holder aged between 18-65 years and legitimate owner of gold can apply for NBP Cash n Gold

Q. What security / collateral needs to be provided for Cash n Gold Loan?
A. Any kind of gold jewelry / ornament of purity of 21 Karats and above can be provided as security to avail a gold loan.

Q. What is the minimum income requirement for availing this facility?
A. There is no minimum income requirement, however, the limit will be assigned after assessing the repayment capacity of the borrower.

Q. What is the maximum loan amount?
A. You can avail up to Rs. 7 million (Seven Million Rupees) against your Gold.

Q. What is the financing amount / limit offered under NBP Cash n Gold??
A. Per ten grams of net content of Gold
For 1-Year Financing PKR 140,000/-
For 3-Years Financing PKR 133,000 /-

Q. What is Mark-up rate on Cash n Gold?
A. NBP is offering variable markup rate is 01 Yr KIBOR + 4.5%. Special Markup rate for female applicants i.e. 1 Yr KIBOR + 4.0%

Q. What is the tenor of loan?
A. The maximum tenor of loan is 1 year & 3 years, with rollover facility upon payment of upto date markup.

Q. What is the processing fee for Cash n Gold Loan?
A. Processing Fee is Rs. 1,500/- (One Thousand Five Hundered Only)

Q. Can loan be paid before its tenor? And is there any early payment charges?
A. There will be no additional charges except payment of upto date Markup.

Q. What is the frequency of repayment?
A. Markup servicing on quarterly / Annually basis and Principal upon maturity.

Q. What is the procedure of release of security / collateral to the borrower after the loan is fully settled?
On repayment of all outstanding liabilities / Markup and any other charges, the ornaments held as security will be returned to the borrower.