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

Today's IIFL Finance gold loan per gram ₹11,635 / gram* 22K jewellery · small-ticket tier · updated 2026-10-09
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IIFL Finance 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 11%–27% 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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IIFL Finance 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 IIFL Finance on a small pledge.

IIFL Finance will lend from ₹3,000, which reframes the per-gram question entirely: at a bank a single gram is not a transaction, and here it is.

Before you use that number, understand what it is not. <strong>It is not a flat rate per gram</strong> — it declines as the loan gets bigger, 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.

IIFL Finance then applies its own scheme rules inside that ceiling. It lends from ₹3,000 to ₹50 lakh+, over 3–24 months, at an indicative 11%–27%. Holding cost follows the advance: each gram of 22K pledged meters roughly ₹107 to ₹262 a month in interest depending on the scheme.

IIFL Finance gold loan amount for 1g, 5g, 10g, 20g, 50g and 100g

What each weight raises at IIFL Finance today, and crucially what each raises <em>per gram</em>. Those two columns tell different stories, and only the second explains why bigger pledges are proportionally worse.

Gold (22K) Value LTV tier Loan amount Effective per gram Interest/month At IIFL Finance?
1 gram ₹13,688 85% ₹11,635 ₹11,635 ₹107–₹262 Within limits
5 grams ₹68,440 85% ₹58,174 ₹11,635 ₹533–₹1,309 Within limits
10 grams ₹1,36,880 85% ₹1,16,348 ₹11,635 ₹1,067–₹2,618 Within limits
20 grams ₹2,73,760 85% ₹2,32,696 ₹11,635 ₹2,133–₹5,236 Within limits
50 grams ₹6,84,400 75% ₹5,13,300 ₹10,266 ₹4,705–₹11,549 Within limits
100 grams ₹13,68,800 75% ₹10,26,600 ₹10,266 ₹9,411–₹23,099 Within limits

Interest column spans IIFL Finance's 11%–27% 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.

IIFL Finance lends from ₹3,000, 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 ₹50 lakh+ ceiling is high enough that weight, not the lender, is your binding constraint.

IIFL Finance gold loan per gram calculator

IIFL Finance 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.

The figure that matters is yours, not the average. Set the grams and karat below and the tiered cap is applied automatically, including the step-down most published per-gram figures ignore.

Garbage in, disappointment out. The two inputs people get wrong are gross weight instead of net, and the karat on the receipt instead of the karat that tests.

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How IIFL Finance calculates gold loan per gram

The calculation is not a secret, and knowing it is the only way to tell a fair appraisal from a poor one. Four steps, in this order.

  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. 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.
  3. Value at IIFL Finance's internal rate. The bank applies its own reference price, usually a short trailing average. In a rising market that makes your figure slightly conservative; in a falling one, slightly generous.
  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 IIFL Finance: 25 grams of hallmarked 22K with 2 grams of stones. Net metal 23 grams, pure gold 23 × 0.916 = 21.1 grams, value at ₹14,943 per gram is about ₹3,14,819. That falls in the 80% tier, so the advance is roughly ₹2,51,855 — about ₹10,074 per gram of what you actually handed over, once the stones are accounted for.

Every per-gram figure published anywhere — this page included — is quoted on pure metal. Against real jewellery with real settings, expect less, in exact proportion to what is not gold.

IIFL Finance gold loan per gram for 22K, 20K and 18K gold

Every karat below 24 is gold diluted with other metal, and lenders pay only for the gold. The table prices each purity at both the top and bottom LTV tiers.

Purity Value per gram Per gram at 85% tier Per gram at 75% tier Accepted at IIFL Finance?
24K ₹14,943 ₹12,702 ₹11,207 Coins accepted, 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 — IIFL Finance's usual floor

The purity ladder matters in proportion: <strong>22K</strong> lends about 22% more per gram than <strong>18K</strong>, because only the gold content counts. Most jewellery is 22K; the exceptions are designer and studded pieces, which tend to be 18K and heavily set.

<strong>24K</strong> is worth the most per gram and is still awkward collateral: IIFL Finance accepts coins within limits, but bars are generally refused. Pure-gold holdings are an investment instrument, not a pledging one.

Gold rate vs gold loan per gram: why they are not the same number

The gap between ₹13,688 of value and ₹11,635 of advance is regulatory cushion. Any counter offering visibly more against the same purity is worth questioning, not celebrating.

Track the price and you are tracking your own eligibility. A ₹386 per gram fall in 24K over the past month translates to roughly ₹301 per gram of 22K — meaning a pledge taken near the top of the market may be closer to its margin threshold than when it was written.

The asymmetry deserves attention: a rising price is an option you may exercise, a falling one is an obligation you cannot decline. IIFL Finance can call for more collateral if its cover thins, regardless of your payment record. Our auction risk calculator shows the price at which the question would arise on your own pledge.

How much can IIFL Finance lend against your gold?

The answer is bounded three times over — by regulation, by IIFL Finance's ticket limits, and by your own willingness to pledge. Only the first two are published.

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. Pricing at the expensive end of an expensive category — compare before defaulting here

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: Post-2024 IIFL runs some of the sector’s most documented assay and custody protocols — purity testing recorded, packets sealed on camera at doorstep pledges, itemized digital receipts. The episode’s legacy is, ironically, borrower-favourable paperwork; insist on every artifact it now produces.

A worked case from IIFL Finance's own territory: A Noida restaurateur’s equipment-failure Friday: ₹5 lakh against ornaments the same evening, refinanced to his bank the following month once the crisis passed — NBFC speed used as designed.

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.

IIFL Finance's per-gram ceiling, priced in its own rates

PurityMax advance/gInterest/g/mo @ 11%@ 27%
24k ₹11,207 ₹103 ₹252
22k ₹10,266 ₹94 ₹231
20k ₹9,336 ₹86 ₹210
18k ₹8,405 ₹77 ₹189

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

Before visiting IIFL Finance, price your own lot: grams × ₹10,266 approximates the 22k ceiling, and grams × ₹163 the mid-scheme monthly interest. Appraisal purity and stone deductions then adjust downward — never upward.

From table to counter at IIFL Finance

IIFL Finance'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.

IIFL Finance's signature structure here is IIFL Gold Loan (branch): Standard scheme-board lending across a wide urban network rebuilt on strengthened processes after its 2024 regulatory episode — assay and documentation now conspicuously by-the-book.

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 ₹3,000-sized loan at IIFL Finance can out-advance this 75% table. Larger tickets live under the cap, no exceptions.

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IIFL Finance गोल्ड लोन — हिंदी में जानकारी

आज IIFL Finance 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।

IIFL Finance गोल्ड लोन प्रति ग्राम — अक्सर पूछे जाने वाले सवाल

IIFL Finance एक ग्राम सोने पर कितना लोन देता है?
आज के भाव पर 22 कैरेट के एक ग्राम की कीमत लगभग ₹13,688 है, और IIFL Finance 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 IIFL Finance 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। IIFL Finance 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 — IIFL Finance 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।

IIFL Finance gold loan — FAQs

How much does IIFL Finance 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 IIFL Finance's 11% floor costs about ₹94/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 IIFL Finance?
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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