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

Today's numbers first (2026-09-01): 24k references ₹11840/g, so 22k pledges ceiling near ₹8,134/gram under the 75% cap. Canara Bank quotes at or under that per scheme, on a 9%–9.25% rate board — the tables below price both sides.

Indicative figures for comparison only. BankCreds is not a lender — the bank or NBFC’s current schedule and your Key Fact Statement are the binding numbers.

Canara Bank per-gram advance with the interest column attached

PurityMax advance/gInterest/g/mo @ 9%@ 9.25%
24k ₹8,880 ₹67 ₹68
22k ₹8,134 ₹61 ₹63
20k ₹7,397 ₹55 ₹57
18k ₹6,660 ₹50 ₹51

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

The gap between columns is the price of convenience at Canara Bank: on 40 grams of 22k (ceiling ≈ ₹3,25,360), floor-scheme interest runs ₹2,440/month against ₹2,520 on max-advance schemes. Same bangles, ₹80 of monthly difference.

From table to counter at Canara Bank

At Canara Bank, per-gram generosity and rate move inversely across schemes: the counter quoting nearest this table's maximum is also quoting nearest 9.25%. Say what you actually need and let the scheme fit it.

Scheme flavour to expect at this counter: Canara Swarna (retail) — The standard consumption gold loan — low entry threshold (₹10,000) that keeps small-ticket household borrowing inside bank pricing instead of pawn-shop pricing.

If your need is under ₹2.5 lakh, the 2026 tiering works for you — up to 85% LTV there (80% to ₹5 lakh), versus the 75% governing bigger pledges. Worth raising at Canara Bank's counter on small tickets; irrelevant above ₹5 lakh.

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Canara Bank gold loan — FAQs

How much does Canara Bank give per gram of 22k gold today?
Roughly ₹8,134 per gram of 22k is today's regulatory ceiling (₹11840/g reference × 0.916 × 75%), and holding it at Canara Bank's 9% floor costs about ₹61/g monthly. What prints on your receipt lands at or under the ceiling, shaped by scheme and the purity the appraiser certifies.
Why did the appraiser value my jewellery lower than this page?
Because tables can't assay: the branch valuation subtracts stones and attachments (zero lending value), tests actual purity rather than trusting stamps, and applies Canara Bank's scheme LTV which may sit under the 75% cap. Net weight × assessed purity × scheme LTV — that product is your quote, and it only moves down from here.
Does the per-gram rate change daily at Canara Bank?
Daily, in practice: each morning's bullion price becomes each counter's per-gram sheet, and this page's reference re-stamps with it (currently 2026-09-01). The pleasant corollary of a rising month — your already-pledged gold may support a top-up without fresh ornaments; asking costs nothing.
Can I get more than 75% of my gold's value as a loan?
Only in the small-ticket tiers: the 2026 RBI directions allow 85% LTV up to ₹2.5 lakh and 80% up to ₹5 lakh, with 75% governing everything larger. A counter promising more than the tier allows isn't generous — it's either misquoting or operating outside regulation, and both are exits.
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