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

Today's ICICI Bank gold loan per gram ₹11,635 / gram* 22K jewellery · small-ticket tier · updated 2026-10-09
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ICICI Bank can advance up to about ₹10,266 per gram of 22k on today's ₹14943/g reference (updated 2026-10-09, 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.

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ICICI 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 ICICI Bank on a small pledge.

The per-gram number at ICICI 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.

ICICI Bank then applies its own scheme rules inside that ceiling. It lends from ₹50,000 to ₹1 crore (select branches), over 6–12 months (renewable), at an indicative 9.25%–18%. Holding cost follows the advance: each gram of 22K pledged meters roughly ₹90 to ₹175 a month in interest depending on the scheme.

ICICI 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 ICICI Bank?
1 gram ₹13,688 85% ₹11,635 ₹11,635 ₹90–₹175 Below ₹50,000 minimum
5 grams ₹68,440 85% ₹58,174 ₹11,635 ₹448–₹873 Within limits
10 grams ₹1,36,880 85% ₹1,16,348 ₹11,635 ₹897–₹1,745 Within limits
20 grams ₹2,73,760 85% ₹2,32,696 ₹11,635 ₹1,794–₹3,490 Within limits
50 grams ₹6,84,400 75% ₹5,13,300 ₹10,266 ₹3,957–₹7,700 Within limits
100 grams ₹13,68,800 75% ₹10,26,600 ₹10,266 ₹7,913–₹15,399 Within limits

Interest column spans ICICI Bank's 9.25%–18% 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.

ICICI Bank's own floor bites before the regulatory one does: it will not write a loan under ₹50,000, 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 (select branches) ceiling is high enough that weight, not the lender, is your binding constraint.

ICICI Bank gold loan per gram calculator

ICICI 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.

Put in your own weight and purity. Because the ceiling steps down with loan size, the answer for 15 grams is not simply half the answer for 30 — the calculator resolves that for you.

Make it realistic in two ways: deduct anything that is not metal, and assume an unmarked piece assays below its stamp. ICICI Bank will do both at the counter whether or not you do it here.

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How ICICI Bank calculates gold loan per gram

ICICI Bank arrives at your number the same way every regulated lender does, in four steps — and three of them happen before the rate is ever mentioned.

  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. Purity is tested, not read off the stamp — touchstone and acid usually, sometimes XRF. A hallmarked 916 piece tests at 22K; older unhallmarked work often lands lower, and that judgement resets the calculation.
  3. Value at ICICI Bank's internal rate. Multiply the pure gold content by ICICI 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.
  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 ICICI 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.

ICICI Bank gold loan per gram for 22K, 20K and 18K gold

Karat is a direct multiplier on what you can borrow: 22K carries 91.6% gold, 18K only 75%, and ICICI Bank advances against that content rather than the ornament's weight.

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

Nearly every Indian ornament you might pledge at ICICI 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: ICICI 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

Two numbers, one of them regulated. Market value per gram is set by bullion; advance per gram is set by RBI's tiers. ICICI Bank controls neither — what it controls is the rate it charges on the result.

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.

Plan for the downside, not the upside. A sharp fall in gold while the pledge is live can trigger a margin call at ICICI Bank even on a perfectly serviced loan, because the cover is measured against a moving price. Leaving headroom is the defence, and our auction risk calculator shows the price at which the question would arise on your own pledge.

How much can ICICI Bank lend against your gold?

Your maximum is whichever binds first: RBI's tier, ICICI Bank's own ₹50,000–₹1 crore (select branches) 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. ₹50,000 minimum excludes small household pledges

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: Branch vault custody with sealed, itemized packets; ICICI’s documentation quality is a genuine strength — the receipt lists gross weight, net weight, and purity per item. Insist that stone deductions are itemized too; that’s the figure disputes orbit.

A worked case from ICICI Bank's own territory: A Pune couple funding IVF cycles with a ₹6 lakh bullet loan — no EMI pressure during treatment months, one closure payment when a fixed deposit matured.

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.

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

PurityMax advance/gInterest/g/mo @ 9.25%@ 18%
24k ₹11,207 ₹86 ₹168
22k ₹10,266 ₹79 ₹154
20k ₹9,336 ₹72 ₹140
18k ₹8,405 ₹65 ₹126

*Indicative national reference, updated 2026-10-09; 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 (≈₹10,266/g for 22k today) and monthly as interest — ₹79 to ₹154 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 गोल्ड लोन — हिंदी में जानकारी

आज ICICI 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।

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

ICICI 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 ICICI 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 ICICI 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। ICICI 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 — ICICI 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।

ICICI Bank gold loan — FAQs

How much does ICICI Bank give per gram of 22k gold today?
Roughly ₹10,266 per gram of 22k is today's regulatory ceiling (₹14943/g reference × 0.916 × 75%), and holding it at ICICI Bank's 9.25% floor costs about ₹79/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 2026-10-09). 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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