HDFC Bank Gold Loan Per Gram Today, 10 October 2026: How Much Loan for 1 Gram of Gold?

Today's HDFC Bank gold loan per gram ₹11,635 / gram* 22K jewellery · small-ticket tier · updated 2026-10-09
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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 HDFC Bank's scheme LTVs and its 9.3%–17.9% 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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HDFC 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 HDFC Bank on a small pledge.

The per-gram number at HDFC 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.

Published per-gram figures, this page's included, hide something: <strong>the advance per gram is not constant</strong>. Larger pledges get proportionally less, 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.

HDFC Bank then applies its own scheme rules inside that ceiling. It lends from ₹25,000 to ₹1 crore+ (relationship-led at the top), over 3–42 months, at an indicative 9.3%–17.9%. Holding cost follows the advance: each gram of 22K pledged meters roughly ₹90 to ₹174 a month in interest depending on the scheme.

HDFC Bank gold loan amount for 1g, 5g, 10g, 20g, 50g and 100g

Six common pledge weights, priced at today's 22K reference. The column worth reading is the per-gram one — it is not constant, which is the single most misunderstood thing about gold lending.

Gold (22K) Value LTV tier Loan amount Effective per gram Interest/month At HDFC Bank?
1 gram ₹13,688 85% ₹11,635 ₹11,635 ₹90–₹174 Below ₹25,000 minimum
5 grams ₹68,440 85% ₹58,174 ₹11,635 ₹451–₹868 Within limits
10 grams ₹1,36,880 85% ₹1,16,348 ₹11,635 ₹902–₹1,736 Within limits
20 grams ₹2,73,760 85% ₹2,32,696 ₹11,635 ₹1,803–₹3,471 Within limits
50 grams ₹6,84,400 75% ₹5,13,300 ₹10,266 ₹3,978–₹7,657 Within limits
100 grams ₹13,68,800 75% ₹10,26,600 ₹10,266 ₹7,956–₹15,313 Within limits

Interest column spans HDFC Bank's 9.3%–17.9% 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.

HDFC Bank'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 ₹1 crore+ (relationship-led at the top) ceiling is high enough that weight, not the lender, is your binding constraint.

HDFC Bank gold loan per gram calculator

HDFC Bank gold loan per gram calculator

Appraised value
₹2,73,756
LTV tier applied
85%
Eligible loan (max)
₹2,32,692

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 HDFC 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 HDFC Bank's appraiser will be.

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How HDFC Bank calculates gold loan per gram

Between the jewellery you hand over and the amount HDFC Bank writes, four things happen. Only the last is regulatory; the first three are judgement.

  1. 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.
  2. Assessed purity. HDFC Bank assays rather than trusts. A 916 hallmark will hold up; an unmarked heirloom frequently assays a karat below what the family believed, and the tested figure is the one that governs.
  3. Value at HDFC Bank's internal rate. Net weight × purity factor × the lender's own per-gram rate — generally averaged over recent days rather than the day's spot, so a single-day spike does not inflate advances nor a dip deflate them.
  4. 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 HDFC 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.

Note the difference between the two per-gram figures above: one against pure content, one against the ornament you actually carried in. The second is what your loan divides by, and it is always the smaller.

HDFC 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 HDFC Bank will accept.

Purity Value per gram Per gram at 85% tier Per gram at 75% tier Accepted at HDFC 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 — HDFC Bank's usual floor

Nearly every Indian ornament you might pledge at HDFC Bank is <strong>22K</strong>, which is what a 916 hallmark certifies. Below that, <strong>20K</strong> turns up in older and regional work and <strong>18K</strong> mostly in studded designs — where the lower purity and the stone deduction compound against you.

<strong>24K</strong> is worth the most per gram but is the least useful collateral in practice: HDFC 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

Comparing lenders on per-gram advance is comparing them on a number none of them chooses. Compare on rate, process and ticket limits instead — those are HDFC Bank's actual variables.

Because the advance is a fraction of price, it inherits every price move. The last 30 days have taken 24K down ₹386 a gram, which works through to about ₹301 a gram of 22K borrowing power — 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 HDFC 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 HDFC Bank lend against your gold?

Your maximum is whichever binds first: RBI's tier, HDFC Bank's own ₹25,000–₹1 crore+ (relationship-led at the top) range, or the amount of jewellery you are actually prepared to part with. For most households it is the third.

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. The band’s top half is NBFC-priced — average retail files should compare quotes, not assume bank means cheap

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: Vaulted at the branch under dual control with electronically logged packet movement; HDFC’s release process is same-day against closure at gold-desk branches. Photograph your ornaments before pledging anywhere — with HDFC’s itemized receipt, that pairing settles any release-day question in minutes.

A worked case from HDFC Bank's own territory: A Bengaluru startup founder bridging two months of payroll with an ₹18 lakh gold OD while a signed enterprise invoice cleared — drawn twelve days, interest paid on twelve days.

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.

HDFC Bank's per-gram ceiling, priced in its own rates

PurityMax advance/gInterest/g/mo @ 9.3%@ 17.9%
24k ₹11,207 ₹87 ₹167
22k ₹10,266 ₹80 ₹153
20k ₹9,336 ₹72 ₹139
18k ₹8,405 ₹65 ₹125

*Indicative national reference, updated 2026-10-09; 24k coins/bars face quantity limits at banks. HDFC Bank's scheme LTVs may sit below the cap.

Read the two interest columns as HDFC Bank's real spread: a 40-gram 22k pledge maxing near ₹4,10,640 costs ₹3,200 a month at the 9.3% floor and ₹6,120 at the 17.9% ceiling — the scheme card, not the gold, decides which meter runs.

What changes between this page and HDFC Bank's branch

HDFC Bank's scheme ladder means the max-advance number belongs to its highest-rate scheme; the counter's cheaper slabs deliberately offer less per gram. Decide which side of that trade your need sits on before the appraiser asks.

HDFC Bank's signature structure here is HDFC Gold Loan (term): EMI or bullet against pledged ornaments with bank-grade turnaround at gold-desk branches — the mainstream product for salaried and business borrowers alike.

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 ₹25,000-sized loan at HDFC Bank can out-advance this 75% table. Larger tickets live under the cap, no exceptions.

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HDFC Bank गोल्ड लोन — हिंदी में जानकारी

आज HDFC 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।

HDFC Bank गोल्ड लोन प्रति ग्राम — अक्सर पूछे जाने वाले सवाल

HDFC Bank एक ग्राम सोने पर कितना लोन देता है?
आज के भाव पर 22 कैरेट के एक ग्राम की कीमत लगभग ₹13,688 है, और HDFC Bank से उस पर अधिकतम लगभग ₹11,635 प्रति ग्राम तक कर्ज मिल सकता है। ध्यान दें कि यह आँकड़ा स्थिर नहीं है — जैसे-जैसे गिरवी बड़ा होता है, प्रति ग्राम मिलने वाली रकम घटती जाती है, क्योंकि RBI की सीमा लोन की रकम के हिसाब से बदलती है। 100 ग्राम के गिरवी पर यही आँकड़ा घटकर लगभग ₹10,266 प्रति ग्राम रह जाता है।
10 ग्राम और 50 ग्राम सोने पर HDFC Bank से कितना लोन मिलेगा?
आज के हिसाब से 22 कैरेट के 10 ग्राम पर लगभग ₹1,16,348 और 50 ग्राम पर लगभग ₹5,13,300 तक कर्ज बनता है। फर्क सिर्फ वजन का नहीं है: 10 ग्राम वाला लोन ₹2.5 लाख से कम रहता है इसलिए उस पर 85% वाली ऊँची सीमा लगती है, जबकि 50 ग्राम वाला लोन ₹5 लाख पार कर जाता है और उस पर 75% वाली सीमा लागू होती है। यानी ज्यादा सोना गिरवी रखने पर अनुपात घट जाता है।
22 कैरेट, 20 कैरेट और 18 कैरेट सोने पर कितना-कितना लोन मिलता है?
कर्ज सिर्फ शुद्ध सोने पर मिलता है, इसलिए कैरेट सीधे रकम बदल देता है। आज की कीमत के हिसाब से प्रति ग्राम मूल्य है — 22K: ₹13,688, 20K: ₹12,448, 18K: ₹11,207। छोटे लोन की 85% सीमा पर इन पर क्रमशः लगभग ₹11,635, ₹10,581 और ₹9,526 प्रति ग्राम तक कर्ज बनता है। HDFC Bank में आमतौर पर 18 कैरेट सबसे नीचे की सीमा है, उससे कम शुद्धता वाला गहना स्वीकार नहीं होता।
सोने का भाव और गोल्ड लोन प्रति ग्राम — दोनों में क्या फर्क है?
सोने का भाव बताता है कि एक ग्राम की कीमत कितनी है; गोल्ड लोन प्रति ग्राम बताता है कि उस एक ग्राम पर कर्ज कितना मिलेगा। दूसरा हमेशा पहले से कम होता है, क्योंकि RBI किसी भी लेंडर को गहने की पूरी कीमत देने की इजाजत नहीं देता — भाव रोज बदलता है, इसलिए एक सुरक्षा मार्जिन रखा जाता है। पिछले 30 दिनों में 24 कैरेट का भाव लगभग ₹386 प्रति ग्राम घटा है, जिससे 22 कैरेट पर कर्ज लेने की क्षमता करीब ₹301 प्रति ग्राम घटी है।
शाखा में मिलने वाली रकम कैलकुलेटर से कम क्यों निकलती है?
तीन कारण हैं, और तीनों सामान्य हैं। पहला — नग और पत्थर: उनका वजन काटा जाता है, क्योंकि कर्ज सिर्फ सोने पर मिलता है; जड़े हुए गहने में 20–40% तक वजन घट सकता है। दूसरा — शुद्धता की जाँच: मुहर नहीं, परीक्षण मायने रखता है, और बिना हॉलमार्क वाला पुराना गहना अक्सर एक कैरेट नीचे निकलता है। तीसरा — HDFC Bank आमतौर पर पिछले कुछ दिनों का औसत भाव इस्तेमाल करता है, उस दिन का सबसे ऊँचा भाव नहीं। सादी चेन और कड़े इन तीनों में सबसे कम कटते हैं।

HDFC Bank gold loan — FAQs

How much does HDFC Bank give per gram of 22k gold today?
Against today's indicative 24k reference of ₹14943/g, 22k content values at about ₹13,688/g — and RBI's 75% cap makes the maximum advance roughly ₹10,266/gram. HDFC Bank'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?
Because tables can't assay: the branch valuation subtracts stones and attachments (zero lending value), tests actual purity rather than trusting stamps, and applies HDFC 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 HDFC Bank?
Yes — the advance is a derivative of the metal: HDFC 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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