IOB offers gold loans for business and commercial purposes, known as commercial cash credit against jewelry and gold loan for agricultural purposes. In order to be eligible for commercial cash credit against jewelry you should own hallmarked gold, and be engaged in business activities or be self-employed. You must also be able to demonstrate a stable source of income. Agricultural jewel loans are specifically designed for farmers for agricultural purposes. In order to avail this kind of loan, you must be an individual farmer and engaged in agricultural activities.