IIFL Finance Gold Loan Per Gram: Purity-Wise Advance on Today's Price

IIFL Finance 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 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.

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

Purity	Max advance/g	Interest/g/mo @ 11%	@ 27%
24k	₹8,880	₹81	₹200
22k	₹8,134	₹75	₹183
20k	₹7,397	₹68	₹166
18k	₹6,660	₹61	₹150

*Indicative national reference, updated 2026-09-01; 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 × ₹8,134 approximates the 22k ceiling, and grams × ₹129 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 gold loan — FAQs

How much does IIFL Finance 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 IIFL Finance's 11% floor costs about ₹75/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 2026-09-01). 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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