Bank of Baroda Gold Loan Per Gram Today, 26 October 2026: How Much Loan for 1 Gram of Gold?
On today's indicative reference (₹14163/g for 24k, updated 2026-10-25), RBI's 75% cap puts the maximum advance near ₹9,730/gram for 22k jewellery — with Bank of Baroda's scheme LTVs and its 9%–9.4% 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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Bank of Baroda 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 Bank of Baroda on a small pledge.
The per-gram figure at Bank of Baroda answers half the question. The other half is that PSU pricing makes holding those grams cheaper for longer — which matters more than the advance itself on anything but the shortest loan.
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 ₹11,027 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.
Bank of Baroda then applies its own scheme rules inside that ceiling. It lends from ₹25,000 to ₹50 lakh, over up to 36 months, at an indicative 9%–9.4%. Holding cost follows the advance: each gram of 22K pledged meters roughly ₹83 to ₹86 a month in interest depending on the scheme.
Bank of Baroda gold loan amount for 1g, 5g, 10g, 20g, 50g and 100g
Run your own weight down this table. The final column flags whether Bank of Baroda 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 Bank of Baroda? |
|---|---|---|---|---|---|---|
| 1 gram | ₹12,973 | 85% | ₹11,027 | ₹11,027 | ₹83–₹86 | Below ₹25,000 minimum |
| 5 grams | ₹64,865 | 85% | ₹55,135 | ₹11,027 | ₹414–₹432 | Within limits |
| 10 grams | ₹1,29,730 | 85% | ₹1,10,271 | ₹11,027 | ₹827–₹864 | Within limits |
| 20 grams | ₹2,59,460 | 85% | ₹2,20,541 | ₹11,027 | ₹1,654–₹1,728 | Within limits |
| 50 grams | ₹6,48,650 | 75% | ₹4,86,488 | ₹9,730 | ₹3,649–₹3,811 | Within limits |
| 100 grams | ₹12,97,300 | 75% | ₹9,72,975 | ₹9,730 | ₹7,297–₹7,622 | Within limits |
Interest column spans Bank of Baroda's 9%–9.4% 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.
Bank of Baroda's own floor bites before the regulatory one does: it will not write a loan under ₹25,000, 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 ₹50 lakh ceiling is high enough that weight, not the lender, is your binding constraint.
Bank of Baroda gold loan per gram calculator
Bank of Baroda 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.
Two inputs, one answer: weight and purity in, maximum advance at Bank of Baroda out — with the regulatory tier chosen by the size of the resulting loan rather than by you.
For a figure you can trust, subtract stone weight first and be pessimistic about purity on anything without a hallmark — those are precisely the two places Bank of Baroda's appraiser will be.
Bank of Baroda gold loan interest rates →
Gold loan EMI calculator →
Today's gold rate, city-wise →
How Bank of Baroda calculates gold loan per gram
Between the jewellery you hand over and the amount Bank of Baroda writes, four things happen. Only the last is regulatory; the first three are judgement.
- Net weight. What goes on the scale is not what counts. Solder, settings and stones are deducted, and for heavily worked pieces that deduction is the largest number in the whole calculation.
- 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 Bank of Baroda's internal rate. Multiply the pure gold content by Bank of Baroda'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 Bank of Baroda: 18 grams of hallmarked 22K with 1 gram of stones. Net metal 17 grams, pure gold 17 × 0.916 = 15.6 grams, value at ₹14,163 per gram is about ₹2,20,546. That falls in the 85% tier, so the advance is roughly ₹1,87,464 — about ₹10,415 per gram of what you actually handed over, once the stones are accounted for.
Which is why two people pledging 18 grams at Bank of Baroda on the same morning can walk out with very different amounts: the metal is identical, the workmanship is not.
Bank of Baroda gold loan per gram for 22K, 20K and 18K gold
What your jewellery is made of decides the advance as much as what it weighs. Here is the per-gram figure at each purity Bank of Baroda will accept.
| Purity | Value per gram | Per gram at 85% tier | Per gram at 75% tier | Accepted at Bank of Baroda? |
|---|---|---|---|---|
| 24K | ₹14,163 | ₹12,039 | ₹10,622 | Bank-issued coins only, 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 — Bank of Baroda'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 Bank of Baroda'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: Bank of Baroda 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
Bank of Baroda does not set the gap between value and advance — RBI does. Today that means ₹12,973 of 22K metal borrows ₹11,027 at the top tier, and the difference is regulatory cushion rather than lender margin.
Bank of Baroda re-reads the price daily, so your pledge does too. The past month's ₹1,048 per gram decline is worth about ₹816 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.
This cuts both ways, and the unpleasant direction is the one to size for. Borrow at the ceiling and a modest price fall puts you in margin-call territory at Bank of Baroda; borrow below it and the same fall is a non-event. Our auction risk calculator shows the price at which the question would arise on your own pledge.
How much can Bank of Baroda lend against your gold?
Between the LTV tier, Bank of Baroda's ₹25,000–₹50 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. Base rates a shade above SBI/PNB for standard borrowers
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 sealed packets in branch strongrooms, with the OD variant’s packets held for the limit’s life. BoB’s process includes photographed inventories at better branches — ask for a copy attached to your pledge documents; it settles release-day disputes before they start.
A worked case from Bank of Baroda's own territory: A Vadodara family financing a son’s merchant-navy course fee via 36-month EMIs — choosing BoB’s longer tenure over PNB’s renewal cycle for one fewer annual errand.
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 Bank of Baroda: advance and carrying cost
| Purity | Max advance/g | Interest/g/mo @ 9% | @ 9.4% |
|---|---|---|---|
| 24k | ₹10,622 | ₹80 | ₹83 |
| 22k | ₹9,730 | ₹73 | ₹76 |
| 20k | ₹8,848 | ₹66 | ₹69 |
| 18k | ₹7,967 | ₹60 | ₹62 |
*Indicative national reference, updated 2026-10-25; 24k coins/bars face quantity limits at banks. Bank of Baroda's scheme LTVs may sit below the cap.
Read the two interest columns as Bank of Baroda's real spread: a 40-gram 22k pledge maxing near ₹3,89,200 costs ₹2,920 a month at the 9% floor and ₹3,040 at the 9.4% ceiling — the scheme card, not the gold, decides which meter runs.
What changes between this page and Bank of Baroda's branch
Treat ₹9,730/g as the ceiling Bank of Baroda 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.
Scheme flavour to expect at this counter: Baroda Gold Loan — EMI and overdraft-style options against pledged ornaments — the OD variant suits borrowers who want a limit to draw and repay flexibly rather than a fixed disbursal.
Small-ticket exception worth knowing: under RBI's 2026 directions, consumption loans up to ₹2.5 lakh may go to 85% LTV (80% up to ₹5 lakh) — so modest pledges at Bank of Baroda can legitimately beat this table's 75% figures. Above ₹5 lakh, the cap binds everywhere.
Bank of Baroda गोल्ड लोन — हिंदी में जानकारी
आज Bank of Baroda 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।
Bank of Baroda गोल्ड लोन प्रति ग्राम — अक्सर पूछे जाने वाले सवाल
Bank of Baroda एक ग्राम सोने पर कितना लोन देता है?
10 ग्राम और 50 ग्राम सोने पर Bank of Baroda 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?
Bank of Baroda gold loan — FAQs
How much does Bank of Baroda 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 Bank of Baroda?
Can I get more than 75% of my gold's value as a loan?
Bank of Baroda vs an unsecured loan: check both sides
A soft-check eligibility scan puts real personal-loan numbers beside the pledge.