Bajaj Finance Gold Loan Per Gram Today, 26 October 2026: How Much Loan for 1 Gram of Gold?
Bajaj Finance can advance up to about ₹9,730 per gram of 22k on today's ₹14163/g reference (updated 2026-10-25, 75% regulatory cap) — and this page attaches the number that matters beside it: what each gram costs monthly across the 9.5%–26% scheme band.
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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Bajaj Finance gold loan per gram today
On today's reference of ₹14,163 per gram of 24K (updated 2026-10-25), a gram of 22K jewellery is worth about ₹12,973 and supports a maximum advance of roughly ₹11,027 per gram at Bajaj Finance on a small pledge.
Bajaj Finance advances against the same regulatory ceiling as every bank on this site, and charges 9.5%–26% for it. The per-gram advance is not the differentiator; speed and minimum ticket size are.
That second figure is the one people search for, and it carries a caveat almost nobody states: <strong>the per-gram advance is not a fixed number</strong>. It falls as the pledge 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 ₹11,027 as part of a 10-gram pledge and only ₹9,730 as part of a 100-gram one — a difference of ₹1,297 per gram for identical metal.
Bajaj Finance then applies its own scheme rules inside that ceiling. It lends from ₹5,000 to ₹2 crore stated, over up to 12 months (renewable), at an indicative 9.5%–26%. Holding cost follows the advance: each gram of 22K pledged meters roughly ₹87 to ₹239 a month in interest depending on the scheme.
Bajaj Finance gold loan amount for 1g, 5g, 10g, 20g, 50g and 100g
The ladder below runs today's 22K figure across the weights households actually pledge. Watch the effective per-gram column rather than the total: it falls as the loan crosses each tier.
| Gold (22K) | Value | LTV tier | Loan amount | Effective per gram | Interest/month | At Bajaj Finance? |
|---|---|---|---|---|---|---|
| 1 gram | ₹12,973 | 85% | ₹11,027 | ₹11,027 | ₹87–₹239 | Within limits |
| 5 grams | ₹64,865 | 85% | ₹55,135 | ₹11,027 | ₹436–₹1,195 | Within limits |
| 10 grams | ₹1,29,730 | 85% | ₹1,10,271 | ₹11,027 | ₹873–₹2,389 | Within limits |
| 20 grams | ₹2,59,460 | 85% | ₹2,20,541 | ₹11,027 | ₹1,746–₹4,778 | Within limits |
| 50 grams | ₹6,48,650 | 75% | ₹4,86,488 | ₹9,730 | ₹3,851–₹10,541 | Within limits |
| 100 grams | ₹12,97,300 | 75% | ₹9,72,975 | ₹9,730 | ₹7,703–₹21,081 | Within limits |
Interest column spans Bajaj Finance's 9.5%–26% 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 22 grams of 22K you stay inside the 85% tier. Between roughly 22 and 48 grams you fall to 80%, and past about 48 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.
Bajaj Finance lends from ₹5,000, low enough that every weight in the table above is a real transaction here — which is not true at most bank counters, where small pledges are declined as uneconomic to process. Its ₹2 crore stated ceiling is high enough that weight, not the lender, is your binding constraint.
Bajaj Finance gold loan per gram calculator
Bajaj Finance gold loan per gram calculator
Indicative, on the 2026-10-25 reference of ₹14,163/g (24k). RBI LTV tiers: 85% ≤₹2.5L, 80% ≤₹5L, 75% above. Lender schemes may advance less; stones/wastage count zero.
The figure that matters is yours, not the average. Set the grams and karat below and the tiered cap is applied automatically, including the step-down most published per-gram figures ignore.
Garbage in, disappointment out. The two inputs people get wrong are gross weight instead of net, and the karat on the receipt instead of the karat that tests.
Bajaj Finance gold loan interest rates →
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Today's gold rate, city-wise →
How Bajaj Finance calculates gold loan per gram
The calculation is not a secret, and knowing it is the only way to tell a fair appraisal from a poor one. Four steps, in this order.
- Net weight. Gross weight is weighed first, then stripped of stones, beads, lac filling and enamel — none of which lends. This single step accounts for most of the gap between what people expect and what they are offered.
- Assessed purity. Purity is tested, not read off the stamp — touchstone and acid usually, sometimes XRF. A hallmarked 916 piece tests at 22K; older unhallmarked work often lands lower, and that judgement resets the calculation.
- Value at Bajaj Finance's internal rate. Multiply the pure gold content by Bajaj Finance's internal rate for the day. That rate tracks bullion but is deliberately smoothed, which is why it rarely matches the headline price exactly.
- 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 Bajaj Finance: 40 grams of hallmarked 22K with 4 grams of stones. Net metal 36 grams, pure gold 36 × 0.916 = 33.0 grams, value at ₹14,163 per gram is about ₹4,67,039. That falls in the 80% tier, so the advance is roughly ₹3,73,631 — about ₹9,341 per gram of what you actually handed over, once the stones are accounted for.
That last number is the honest one. Per-gram figures quoted anywhere, including on this page, describe pure metal; the rate against <em>your jewellery as it is</em> will be lower in proportion to whatever is not gold in it.
Bajaj Finance gold loan per gram for 22K, 20K and 18K gold
Every karat below 24 is gold diluted with other metal, and lenders pay only for the gold. The table prices each purity at both the top and bottom LTV tiers.
| Purity | Value per gram | Per gram at 85% tier | Per gram at 75% tier | Accepted at Bajaj Finance? |
|---|---|---|---|---|
| 24K | ₹14,163 | ₹12,039 | ₹10,622 | Coins accepted, quantity capped |
| 22K | ₹12,973 | ₹11,027 | ₹9,730 | Yes |
| 20K | ₹11,798 | ₹10,028 | ₹8,849 | Yes |
| 18K | ₹10,622 | ₹9,029 | ₹7,967 | Yes — Bajaj Finance's usual floor |
<strong>22K</strong> is the workhorse: most Indian jewellery is made at this purity, and the 916 hallmark is exactly this — 91.6% gold. <strong>20K</strong> appears in regional and older work. <strong>18K</strong> is generally the floor Bajaj Finance accepts, and it is common in studded and designer pieces — a double penalty, since those also carry the heaviest stone deductions.
<strong>24K</strong> is worth the most per gram and is still awkward collateral: Bajaj Finance accepts coins within limits, but bars are generally refused. Pure-gold holdings are an investment instrument, not a pledging one.
Gold rate vs gold loan per gram: why they are not the same number
The gold rate is what a gram is worth; the advance is what it borrows. This distinction matters more at an NBFC counter than anywhere, because a fast valuation gives you less time to notice if the two have been conflated. ₹12,973 of 22K value supports about ₹11,027 of loan.
The two do move together, though, which has a consequence borrowers rarely use. Over the last 30 days the 24K reference has moved down by ₹1,048 per gram. Passed through purity and the top tier, that is roughly ₹816 per gram of change in borrowing power on 22K — meaning a pledge taken near the top of the market may be closer to its margin threshold than when it was written.
The asymmetry deserves attention: a rising price is an option you may exercise, a falling one is an obligation you cannot decline. Bajaj Finance can call for more collateral if its cover thins, regardless of your payment record. Our auction risk calculator shows the price at which the question would arise on your own pledge.
How much can Bajaj Finance lend against your gold?
Three ceilings apply at once and your loan is the smallest of them: the <strong>regulatory</strong> one (the LTV tier), the <strong>lender</strong> one (Bajaj Finance writes ₹5,000 to ₹2 crore stated), and the <strong>practical</strong> one — how much gold you will genuinely leave in a vault for up to 12 months (renewable).
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. Off-campaign pricing reverts to standard NBFC territory — timing matters
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: Newer purpose-built gold infrastructure: insured vaults, digital-first receipts, app-visible loan state. The servicing rails Bajaj built for consumer durables now run pledges — statements, alerts and payments live in the app, which for documentation-minded borrowers is genuinely convenient.
A worked case from Bajaj Finance's own territory: A Gurgaon family monetizing idle lockers’ worth of ornaments (₹70 lakh appraised) for a plot purchase — the large-ticket desk handling in one sitting what would’ve been three NBFC branch visits.
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.
Gram-level math for Bajaj Finance: advance and carrying cost
| Purity | Max advance/g | Interest/g/mo @ 9.5% | @ 26% |
|---|---|---|---|
| 24k | ₹10,622 | ₹84 | ₹230 |
| 22k | ₹9,730 | ₹77 | ₹211 |
| 20k | ₹8,848 | ₹70 | ₹192 |
| 18k | ₹7,967 | ₹63 | ₹173 |
*Indicative national reference, updated 2026-10-25; 24k coins/bars face quantity limits at banks. Bajaj Finance's scheme LTVs may sit below the cap.
The gap between columns is the price of convenience at Bajaj Finance: on 40 grams of 22k (ceiling ≈ ₹3,89,200), floor-scheme interest runs ₹3,080/month against ₹8,440 on max-advance schemes. Same bangles, ₹5,360 of monthly difference.
From table to counter at Bajaj Finance
Treat ₹9,730/g as the ceiling Bajaj Finance prices down from, not a promise it prices at — scheme LTVs, assessed purity and stone deductions all pull the printed number lower, while your scheme choice sets the rate meter beside it.
Bajaj Finance's signature structure here is Bajaj Gold Loan: The consumer-finance giant’s gold counter: aggressive campaign pricing to win pledges, layered onto its trademark digital servicing rails.
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 ₹5,000-sized loan at Bajaj Finance can out-advance this 75% table. Larger tickets live under the cap, no exceptions.
Bajaj Finance गोल्ड लोन — हिंदी में जानकारी
आज Bajaj Finance से 22 कैरेट सोने पर अधिकतम लगभग ₹11,027 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।
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Bajaj Finance gold loan — FAQs
How much does Bajaj Finance 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 Bajaj Finance?
Can I get more than 75% of my gold's value as a loan?
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