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

Today's numbers first (2026-09-01): 24k references ₹11840/g, so 22k pledges ceiling near ₹8,134/gram under the 75% cap. Indian Bank quotes at or under that per scheme, on a 8.8%–9.5% rate board — the tables below price both sides.

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.

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

Purity	Max advance/g	Interest/g/mo @ 8.8%	@ 9.5%
24k	₹8,880	₹65	₹70
22k	₹8,134	₹60	₹64
20k	₹7,397	₹54	₹59
18k	₹6,660	₹49	₹53

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

Indian Bank's appraiser will land under these ceilings once stones and assessed purity speak — but the interest columns travel intact: whatever advance prints, the 8.8%–9.5% band converts it to ₹60–₹64 per gram per month.

What changes between this page and Indian Bank's branch

Expect Indian 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 IB Gold Loan (bullet/EMI). Standard pledge product with both structures; the bullet remains the Tamil Nadu household staple it has been for a generation.

If your need is under ₹2.5 lakh, the 2026 tiering works for you — up to 85% LTV there (80% to ₹5 lakh), versus the 75% governing bigger pledges. Worth raising at Indian Bank's counter on small tickets; irrelevant above ₹5 lakh.

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Indian Bank gold loan — FAQs

How much does Indian 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 Indian Bank's 8.8% floor costs about ₹60/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?

This page computes the ceiling; the appraiser computes reality. Old bangles assay below their hallmark more often than families expect, stone weight comes off entirely, and the scheme you choose may lend less than the cap on purpose. None of that is sharp practice — it's the difference between arithmetic and appraisal.

Does the per-gram rate change daily at Indian 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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