Federal Bank Gold Loan Per Gram Today, 10 October 2026: How Much Loan for 1 Gram of Gold?
On today's indicative reference (₹14943/g for 24k, updated 2026-10-09), RBI's 75% cap puts the maximum advance near ₹10,266/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.
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Federal Bank gold loan per gram today
On today's reference of ₹14,943 per gram of 24K (updated 2026-10-09), a gram of 22K jewellery is worth about ₹13,688 and supports a maximum advance of roughly ₹11,635 per gram at Federal Bank on a small pledge.
The per-gram number at Federal Bank is not a competitive variable — it is set by RBI. What the bank controls is how quickly it reaches that number and what it charges to hold it.
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 ₹11,635 as part of a 10-gram pledge and only ₹10,266 as part of a 100-gram one — a difference of ₹1,369 per gram for identical metal.
Federal Bank then applies its own scheme rules inside that ceiling. It lends from ₹5,000 to ₹1.5 crore, over 6–12 months standard (renewable), at an indicative 8.99%–13%. Holding cost follows the advance: each gram of 22K pledged meters roughly ₹87 to ₹126 a month in interest depending on the scheme.
Federal Bank gold loan amount for 1g, 5g, 10g, 20g, 50g and 100g
Run your own weight down this table. The final column flags whether Federal Bank 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 Federal Bank? |
|---|---|---|---|---|---|---|
| 1 gram | ₹13,688 | 85% | ₹11,635 | ₹11,635 | ₹87–₹126 | Within limits |
| 5 grams | ₹68,440 | 85% | ₹58,174 | ₹11,635 | ₹436–₹630 | Within limits |
| 10 grams | ₹1,36,880 | 85% | ₹1,16,348 | ₹11,635 | ₹872–₹1,260 | Within limits |
| 20 grams | ₹2,73,760 | 85% | ₹2,32,696 | ₹11,635 | ₹1,743–₹2,521 | Within limits |
| 50 grams | ₹6,84,400 | 75% | ₹5,13,300 | ₹10,266 | ₹3,845–₹5,561 | Within limits |
| 100 grams | ₹13,68,800 | 75% | ₹10,26,600 | ₹10,266 | ₹7,691–₹11,122 | Within limits |
Interest column spans Federal Bank's 8.99%–13% 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 21 grams of 22K you stay inside the 85% tier. Between roughly 21 and 45 grams you fall to 80%, and past about 45 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.
Federal Bank 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 ₹1.5 crore ceiling is high enough that weight, not the lender, is your binding constraint.
Federal Bank gold loan per gram calculator
Federal Bank gold loan per gram calculator
Indicative, on the 2026-10-09 reference of ₹14,943/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 Federal Bank 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 Federal Bank's appraiser will be.
Federal Bank gold loan interest rates →
Gold loan EMI calculator →
Today's gold rate, city-wise →
How Federal Bank calculates gold loan per gram
Between the jewellery you hand over and the amount Federal Bank writes, four things happen. Only the last is regulatory; the first three are judgement.
- 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. 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 Federal Bank's internal rate. Multiply the pure gold content by Federal Bank'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 Federal Bank: 12 grams of hallmarked 22K with 0.5 grams of stones. Net metal 11.5 grams, pure gold 11.5 × 0.916 = 10.5 grams, value at ₹14,943 per gram is about ₹1,57,410. That falls in the 85% tier, so the advance is roughly ₹1,33,799 — about ₹11,150 per gram of what you actually handed over, once the stones are accounted for.
Which is why two people pledging 12 grams at Federal Bank on the same morning can walk out with very different amounts: the metal is identical, the workmanship is not.
Federal Bank 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 Federal Bank will accept.
| Purity | Value per gram | Per gram at 85% tier | Per gram at 75% tier | Accepted at Federal Bank? |
|---|---|---|---|---|
| 24K | ₹14,943 | ₹12,702 | ₹11,207 | Bank-issued coins only, quantity capped |
| 22K | ₹13,688 | ₹11,635 | ₹10,266 | Yes |
| 20K | ₹12,448 | ₹10,581 | ₹9,336 | Yes |
| 18K | ₹11,207 | ₹9,526 | ₹8,405 | Yes — Federal Bank'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 Federal Bank'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: Federal Bank 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
Federal Bank advances a capped share of what your gold is worth, not the whole of it. Today that is ₹11,635 against ₹13,688 of 22K value — and the cushion exists because gold is repriced every morning.
Federal Bank re-reads the price daily, so your pledge does too. The past month's ₹386 per gram decline is worth about ₹301 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 Federal Bank; 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 Federal Bank lend against your gold?
Between the LTV tier, Federal Bank's ₹5,000–₹1.5 crore 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. Network density collapses outside Kerala and gold-belt corridors
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: Gold-culture custody done properly: sealed packets, dual control, and branches that release same-day as a matter of routine because half the counter’s work is pledges. The ₹5,000 minimum means even small packets get the full receipt-and-seal protocol — accept nothing less anywhere.
A worked case from Federal Bank's own territory: A Kochi seafood exporter’s ₹60 lakh pledge bridging a shipment dispute settlement — a ticket NBFCs price harshly and most banks handle awkwardly; Federal quoted it like the routine it locally is.
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 Federal Bank: advance and carrying cost
| Purity | Max advance/g | Interest/g/mo @ 8.99% | @ 13% |
|---|---|---|---|
| 24k | ₹11,207 | ₹84 | ₹121 |
| 22k | ₹10,266 | ₹77 | ₹111 |
| 20k | ₹9,336 | ₹70 | ₹101 |
| 18k | ₹8,405 | ₹63 | ₹91 |
*Indicative national reference, updated 2026-10-09; 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 ≈ ₹4,10,640), floor-scheme interest runs ₹3,080/month against ₹4,440 on max-advance schemes. Same bangles, ₹1,360 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.
Federal Bank गोल्ड लोन — हिंदी में जानकारी
आज Federal Bank से 22 कैरेट सोने पर अधिकतम लगभग ₹11,635 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।
Federal Bank गोल्ड लोन प्रति ग्राम — अक्सर पूछे जाने वाले सवाल
Federal Bank एक ग्राम सोने पर कितना लोन देता है?
10 ग्राम और 50 ग्राम सोने पर Federal Bank 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?
Federal Bank gold loan — FAQs
How much does Federal Bank 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 Federal Bank?
Can I get more than 75% of my gold's value as a loan?
Federal Bank vs an unsecured loan: check both sides
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