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

ICICI Bank can advance up to about ₹8,134 per gram of 22k on today's ₹11840/g reference (updated 2026-09-01, 75% regulatory cap) — and this page attaches the number that matters beside it: what each gram costs monthly across the 9.25%–18% scheme band.

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.

The ICICI Bank gram table: ceiling, and the monthly meter on it

PurityMax advance/gInterest/g/mo @ 9.25%@ 18%
24k ₹8,880 ₹68 ₹133
22k ₹8,134 ₹63 ₹122
20k ₹7,397 ₹57 ₹111
18k ₹6,660 ₹51 ₹100

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

Grams convert to rupees twice here: once as ICICI Bank's advance (≈₹8,134/g for 22k today) and monthly as interest — ₹63 to ₹122 per gram depending on scheme. Multiply by your lot before the counter does.

How ICICI Bank's scheme board maps onto these numbers

Expect ICICI Bank to quote per-gram figures at or under this ceiling depending on scheme — the discount below cap is usually buying you a lower rate, which for any loan outliving a season is the better half of the trade.

Worth knowing before you go: the board leads with ICICI Gold Loan. Bullet-first structure — interest and principal at closure within 12 months — with EMI conversion available; built for short, sharp needs.

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 ICICI Bank can legitimately beat this table's 75% figures. Above ₹5 lakh, the cap binds everywhere.

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ICICI Bank gold loan — FAQs

How much does ICICI 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 ICICI Bank's 9.25% floor costs about ₹63/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?
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 ICICI Bank?
Effectively yes — advances track gold prices, and lenders refresh internal per-gram guidance daily (this page's reference updated 2026-09-01). A rising market can also raise eligibility on already-pledged gold, which several lenders convert into top-up offers on request.
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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