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

On today's indicative reference (₹11840/g for 24k, updated 2026-09-01), RBI's 75% cap puts the maximum advance near ₹8,134/gram for 22k jewellery — with Federal Bank's scheme LTVs and its 8.99%–13% band deciding where your quote lands.

Figures on this page are indicative and for comparison only — BankCreds is not a lender; confirm current rates, charges and eligibility with the bank or NBFC before applying.

Gram-level math for Federal Bank: advance and carrying cost

PurityMax advance/gInterest/g/mo @ 8.99%@ 13%
24k ₹8,880 ₹67 ₹96
22k ₹8,134 ₹61 ₹88
20k ₹7,397 ₹55 ₹80
18k ₹6,660 ₹50 ₹72

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

The gap between columns is the price of convenience at Federal Bank: on 40 grams of 22k (ceiling ≈ ₹3,25,360), floor-scheme interest runs ₹2,440/month against ₹3,520 on max-advance schemes. Same bangles, ₹1,080 of monthly difference.

What changes between this page and Federal Bank's branch

At Federal Bank, per-gram generosity and rate move inversely across schemes: the counter quoting nearest this table's maximum is also quoting nearest 13%. Say what you actually need and let the scheme fit it.

Worth knowing before you go: the board leads with Federal Gold Loan. Kerala-honed pledge lending: tiny minimums, big ceilings, practiced counters — the closest a bank gets to NBFC gold fluency at bank pricing.

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 Federal Bank can out-advance this 75% table. Larger tickets live under the cap, no exceptions.

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Federal Bank gold loan — FAQs

How much does Federal Bank give per gram of 22k gold today?
Start from ₹8,134/g — the 22k maximum today's cap allows — then let Federal Bank's scheme LTV (priced 8.99%–13%) and the assay adjust downward. Ten clean grams ceiling near ₹81,340, carrying ₹746 of monthly interest at the mid-scheme; stones and lower purity take it from there.
Why did the appraiser value my jewellery lower than this page?
Three honest reasons: purity below the hallmark's claim (verified by assay, not stamps), deductions for stones/attachments (only gold content lends), and lender scheme LTVs below the regulatory cap. The per-gram tables here show the arithmetic ceiling at 75% LTV — the branch's net-weight × assessed-purity × scheme-LTV is your real number.
Does the per-gram rate change daily at Federal Bank?
Yes — the advance is a derivative of the metal: Federal Bank 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?
On small consumption loans, yes: RBI's 2026 directions permit up to 85% LTV for loans up to ₹2.5 lakh and 80% up to ₹5 lakh — above that, the 75% cap binds. No legitimate lender exceeds these ceilings; offers that do are either mispriced schemes you're misreading or counters to walk out of.
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