Bajaj Finance Gold Loan Per Gram: Purity-Wise Advance on Today's Price

Bajaj Finance can advance up to about ₹8,134 per gram of 22k on today's ₹11840/g reference (updated 2026-09-01, 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.

Gram-level math for Bajaj Finance: advance and carrying cost

PurityMax advance/gInterest/g/mo @ 9.5%@ 26%
24k ₹8,880 ₹70 ₹192
22k ₹8,134 ₹64 ₹176
20k ₹7,397 ₹59 ₹160
18k ₹6,660 ₹53 ₹144

*Indicative national reference, updated 2026-09-01; 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 ≈ ₹3,25,360), floor-scheme interest runs ₹2,560/month against ₹7,040 on max-advance schemes. Same bangles, ₹4,480 of monthly difference.

From table to counter at Bajaj Finance

Treat ₹8,134/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.

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Bajaj Finance gold loan — FAQs

How much does Bajaj Finance give per gram of 22k gold today?
Against today's indicative 24k reference of ₹11840/g, 22k content values at about ₹10,845/g — and RBI's 75% cap makes the maximum advance roughly ₹8,134/gram. Bajaj Finance's actual offer depends on its scheme LTVs and the appraiser's purity reading; treat this as the ceiling, not the counter quote.
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 Bajaj Finance?
Yes — the advance is a derivative of the metal: Bajaj Finance refreshes per-gram guidance with the day's price, so a quote from last week is a memory, not an offer. Price run-ups work for existing borrowers too; several lenders will re-appraise a live pledge upward 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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