Axis Bank Gold Loan Per Gram: Purity-Wise Advance on Today's Price

On today's indicative reference (₹11840/g for 24k, updated 2026-09-01), RBI's 75% cap puts the maximum advance near ₹8,134/gram for 22k jewellery — with Axis Bank's scheme LTVs and its 9.5%–17% band deciding where your quote lands.

Everything here is indicative, published for comparison — BankCreds lends nothing; verify live rates, charges and eligibility with the lender before acting.

The Axis Bank gram table: ceiling, and the monthly meter on it

PurityMax advance/gInterest/g/mo @ 9.5%@ 17%
24k ₹8,880 ₹70 ₹126
22k ₹8,134 ₹64 ₹115
20k ₹7,397 ₹59 ₹105
18k ₹6,660 ₹53 ₹94

*Indicative national reference, updated 2026-09-01; 24k coins/bars face quantity limits at banks. Axis Bank's scheme LTVs may sit below the cap.

Before visiting Axis Bank, price your own lot: grams × ₹8,134 approximates the 22k ceiling, and grams × ₹90 the mid-scheme monthly interest. Appraisal purity and stone deductions then adjust downward — never upward.

How Axis Bank's scheme board maps onto these numbers

Expect Axis Bank to quote per-gram figures at or under this ceiling depending on scheme — the discount below cap is usually buying you a lower rate, which for any loan outliving a season is the better half of the trade.

Scheme flavour to expect at this counter: Axis Gold Loan — Term lending with EMI/bullet options and quick-turnaround appraisal at designated branches.

One tier favours small borrowers: RBI's 2026 rules let ≤₹2.5 lakh consumption pledges reach 85% LTV and ≤₹5 lakh reach 80% — meaning a ₹25,001-sized loan at Axis Bank can out-advance this 75% table. Larger tickets live under the cap, no exceptions.

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Axis Bank gold loan — FAQs

How much does Axis Bank give per gram of 22k gold today?
Start from ₹8,134/g — the 22k maximum today's cap allows — then let Axis Bank's scheme LTV (priced 9.5%–17%) and the assay adjust downward. Ten clean grams ceiling near ₹81,340, carrying ₹898 of monthly interest at the mid-scheme; stones and lower purity take it from there.
Why did the appraiser value my jewellery lower than this page?
This page computes the ceiling; the appraiser computes reality. Old bangles assay below their hallmark more often than families expect, stone weight comes off entirely, and the scheme you choose may lend less than the cap on purpose. None of that is sharp practice — it's the difference between arithmetic and appraisal.
Does the per-gram rate change daily at Axis Bank?
Effectively yes — advances track gold prices, and lenders refresh internal per-gram guidance daily (this page's reference updated 2026-09-01). A rising market can also raise eligibility on already-pledged gold, which several lenders convert into top-up offers on request.
Can I get more than 75% of my gold's value as a loan?
The cap tiers by size, so modest pledges genuinely can beat this table: ≤₹2.5 lakh may reach 85%, ≤₹5 lakh 80%, beyond that 75% is the wall. Nothing regulated lends past those lines; treat any offer that claims to as the red flag it is.
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