Axis Bank Gold Loan Per Gram Today, 10 October 2026: How Much Loan for 1 Gram of Gold?
On today's indicative reference (₹14943/g for 24k, updated 2026-10-09), RBI's 75% cap puts the maximum advance near ₹10,266/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.
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Axis Bank gold loan per gram today
On today's reference of ₹14,943 per gram of 24K (updated 2026-10-09), a gram of 22K jewellery is worth about ₹13,688 and supports a maximum advance of roughly ₹11,635 per gram at Axis Bank on a small pledge.
The per-gram number at Axis Bank is not a competitive variable — it is set by RBI. What the bank controls is how quickly it reaches that number and what it charges to hold it.
One qualification changes how you should use this figure: <strong>it applies to small pledges only</strong>. The per-gram advance steps down as the loan grows, because RBI caps loan-to-value in tiers by loan size — 85% up to ₹2.5 lakh, 80% up to ₹5 lakh and 75% above. So the same 22K bangle lends ₹11,635 as part of a 10-gram pledge and only ₹10,266 as part of a 100-gram one — a difference of ₹1,369 per gram for identical metal.
Axis Bank then applies its own scheme rules inside that ceiling. It lends from ₹25,001 to ₹40 lakh, over 3–36 months, at an indicative 9.5%–17%. Holding cost follows the advance: each gram of 22K pledged meters roughly ₹92 to ₹165 a month in interest depending on the scheme.
Axis Bank gold loan amount for 1g, 5g, 10g, 20g, 50g and 100g
Run your own weight down this table. The final column flags whether Axis Bank will write that ticket at all — its floor and ceiling bind independently of the regulatory tiers.
| Gold (22K) | Value | LTV tier | Loan amount | Effective per gram | Interest/month | At Axis Bank? |
|---|---|---|---|---|---|---|
| 1 gram | ₹13,688 | 85% | ₹11,635 | ₹11,635 | ₹92–₹165 | Below ₹25,001 minimum |
| 5 grams | ₹68,440 | 85% | ₹58,174 | ₹11,635 | ₹461–₹824 | Within limits |
| 10 grams | ₹1,36,880 | 85% | ₹1,16,348 | ₹11,635 | ₹921–₹1,648 | Within limits |
| 20 grams | ₹2,73,760 | 85% | ₹2,32,696 | ₹11,635 | ₹1,842–₹3,297 | Within limits |
| 50 grams | ₹6,84,400 | 75% | ₹5,13,300 | ₹10,266 | ₹4,064–₹7,272 | Within limits |
| 100 grams | ₹13,68,800 | 75% | ₹10,26,600 | ₹10,266 | ₹8,127–₹14,544 | Within limits |
Interest column spans Axis Bank's 9.5%–17% scheme band. Figures assume clean 22K metal at the indicative reference; stones, solder and assessed purity reduce them at the counter.
The practical reading: up to about 21 grams of 22K you stay inside the 85% tier. Between roughly 21 and 45 grams you fall to 80%, and past about 45 grams the 75% cap binds. If your requirement sits near one of those lines, carrying slightly less gold can raise the proportion you are advanced — a counter-intuitive result worth checking before you empty the locker.
Axis Bank's own floor bites before the regulatory one does: it will not write a loan under ₹25,001, so the smallest pledges in the table above are not transactable here at all. An NBFC counter with a four-figure minimum will take them. Its ₹40 lakh ceiling is high enough that weight, not the lender, is your binding constraint.
Axis Bank gold loan per gram calculator
Axis Bank gold loan per gram calculator
Indicative, on the 2026-10-09 reference of ₹14,943/g (24k). RBI LTV tiers: 85% ≤₹2.5L, 80% ≤₹5L, 75% above. Lender schemes may advance less; stones/wastage count zero.
Put in your own weight and purity. Because the ceiling steps down with loan size, the answer for 15 grams is not simply half the answer for 30 — the calculator resolves that for you.
Make it realistic in two ways: deduct anything that is not metal, and assume an unmarked piece assays below its stamp. Axis Bank will do both at the counter whether or not you do it here.
Axis Bank gold loan interest rates →
Gold loan EMI calculator →
Today's gold rate, city-wise →
How Axis Bank calculates gold loan per gram
Axis Bank arrives at your number the same way every regulated lender does, in four steps — and three of them happen before the rate is ever mentioned.
- Net weight. The appraiser weighs the piece, then deducts everything that is not gold. A stone-set kundan piece can lose 20–40% of gross weight here; a plain chain loses almost nothing.
- Assessed purity. The karat that matters is the measured one. Hallmarked pieces pass predictably, older work does not always, and there is no appeal from the appraiser's reading at the counter.
- Value at Axis Bank's internal rate. Net weight × purity factor × the lender's own per-gram rate — generally averaged over recent days rather than the day's spot, so a single-day spike does not inflate advances nor a dip deflate them.
- The LTV tier. Value × the tier the resulting loan falls into: 85%, 80% or 75%. This is regulatory, identical at every lender, and the reason the per-gram figure shrinks on larger pledges.
Worked through on a real pledge at Axis Bank: 18 grams of hallmarked 22K with 1 gram of stones. Net metal 17 grams, pure gold 17 × 0.916 = 15.6 grams, value at ₹14,943 per gram is about ₹2,32,692. That falls in the 85% tier, so the advance is roughly ₹1,97,788 — about ₹10,988 per gram of what you actually handed over, once the stones are accounted for.
Which is why two people pledging 18 grams at Axis Bank on the same morning can walk out with very different amounts: the metal is identical, the workmanship is not.
Axis Bank gold loan per gram for 22K, 20K and 18K gold
Karat is a direct multiplier on what you can borrow: 22K carries 91.6% gold, 18K only 75%, and Axis Bank advances against that content rather than the ornament's weight.
| Purity | Value per gram | Per gram at 85% tier | Per gram at 75% tier | Accepted at Axis Bank? |
|---|---|---|---|---|
| 24K | ₹14,943 | ₹12,702 | ₹11,207 | Bank-issued coins only, quantity capped |
| 22K | ₹13,688 | ₹11,635 | ₹10,266 | Yes |
| 20K | ₹12,448 | ₹10,581 | ₹9,336 | Yes |
| 18K | ₹11,207 | ₹9,526 | ₹8,405 | Yes — Axis Bank's usual floor |
What you own decides this more than what you choose. <strong>22K</strong> covers the bulk of Indian household gold and carries the 916 stamp; <strong>18K</strong> sits at Axis Bank's usual acceptance floor and is common in the pieces that also lose the most weight to stones.
<strong>24K</strong> is worth the most per gram but is the least useful collateral in practice: Axis Bank takes coins rather than jewellery or bars, usually only bank-issued ones, and caps the quantity. If your holding is 24K bars, expect to need a different instrument entirely.
Gold rate vs gold loan per gram: why they are not the same number
Axis Bank advances a capped share of what your gold is worth, not the whole of it. Today that is ₹11,635 against ₹13,688 of 22K value — and the cushion exists because gold is repriced every morning.
Axis Bank re-reads the price daily, so your pledge does too. The past month's ₹386 per gram decline is worth about ₹301 per gram of 22K in advance terms — meaning a pledge taken near the top of the market may be closer to its margin threshold than when it was written.
Plan for the downside, not the upside. A sharp fall in gold while the pledge is live can trigger a margin call at Axis Bank even on a perfectly serviced loan, because the cover is measured against a moving price. Leaving headroom is the defence, and our auction risk calculator shows the price at which the question would arise on your own pledge.
How much can Axis Bank lend against your gold?
Between the LTV tier, Axis Bank's ₹25,001–₹40 lakh band and your own appetite for risking the locker, the binding constraint is rarely the one borrowers expect.
The third is the one borrowers underweight. Because gold appreciates and the loan is secured, it is easy to pledge more than the need requires and roll it forward. Mid-band pricing for most files — cheaper than NBFCs, dearer than PSUs, negotiable in between
Eligibility itself is unusually simple: no income proof, no credit score, no employer category. KYC, ownership of what you pledge, and metal at or above the purity floor. That is the whole file, which is why gold lending reaches households that unsecured credit refuses outright.
What happens to the jewellery meanwhile: Dual-custody vault storage with tamper-evident packets; Axis runs periodic internal audits of pledge inventories. Your protections are the itemized receipt and the sealed-packet verification at release — use both, every time, at any lender.
A worked case from Axis Bank's own territory: A Gurugram consultant smoothing a GST-and-advance-tax quarter with a ₹9 lakh, 6-month bullet — banking polish preferred over the NBFC storefront next door.
If the figure this page produces falls short of your need, the answer is usually a different instrument rather than more jewellery. Compare against personal loans, and if your credit file is the obstacle, the low CIBIL guides set out what each score band can realistically access.
The Axis Bank gram table: ceiling, and the monthly meter on it
| Purity | Max advance/g | Interest/g/mo @ 9.5% | @ 17% |
|---|---|---|---|
| 24k | ₹11,207 | ₹89 | ₹159 |
| 22k | ₹10,266 | ₹81 | ₹145 |
| 20k | ₹9,336 | ₹74 | ₹132 |
| 18k | ₹8,405 | ₹67 | ₹119 |
*Indicative national reference, updated 2026-10-09; 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 × ₹10,266 approximates the 22k ceiling, and grams × ₹113 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.
Axis Bank गोल्ड लोन — हिंदी में जानकारी
आज Axis Bank से 22 कैरेट सोने पर अधिकतम लगभग ₹11,635 प्रति ग्राम तक कर्ज मिल सकता है, पर यह आँकड़ा गिरवी के वजन के साथ बदलता है। नीचे वही सवाल हैं जो शाखा जाने से पहले साफ होने चाहिए।
Axis Bank गोल्ड लोन प्रति ग्राम — अक्सर पूछे जाने वाले सवाल
Axis Bank एक ग्राम सोने पर कितना लोन देता है?
10 ग्राम और 50 ग्राम सोने पर Axis Bank से कितना लोन मिलेगा?
22 कैरेट, 20 कैरेट और 18 कैरेट सोने पर कितना-कितना लोन मिलता है?
सोने का भाव और गोल्ड लोन प्रति ग्राम — दोनों में क्या फर्क है?
शाखा में मिलने वाली रकम कैलकुलेटर से कम क्यों निकलती है?
Axis Bank gold loan — FAQs
How much does Axis Bank give per gram of 22k gold today?
Why did the appraiser value my jewellery lower than this page?
Does the per-gram rate change daily at Axis Bank?
Can I get more than 75% of my gold's value as a loan?
Axis Bank vs an unsecured loan: check both sides
A soft-check eligibility scan puts real personal-loan numbers beside the pledge.