Indian Bank Gold Loan Per Gram Today, 26 October 2026: How Much Loan for 1 Gram of Gold?
Today's numbers first (2026-10-25): 24k references ₹14163/g, so 22k pledges ceiling near ₹9,730/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.
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Indian Bank gold loan per gram today
On today's reference of ₹14,163 per gram of 24K (updated 2026-10-25), a gram of 22K jewellery is worth about ₹12,973 and supports a maximum advance of roughly ₹11,027 per gram at Indian Bank on a small pledge.
Indian Bank is a public-sector lender, which shapes the per-gram answer twice: the advance follows the same regulatory ceiling as everyone else, and the appraisal behind it tends to be the most conservative in the market.
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 ₹11,027 as part of a 10-gram pledge and only ₹9,730 as part of a 100-gram one — a difference of ₹1,297 per gram for identical metal.
Indian Bank then applies its own scheme rules inside that ceiling. It lends from ₹25,000 to ₹35 lakh, over up to 12 months; 35-month EMI variants, at an indicative 8.8%–9.5%. Holding cost follows the advance: each gram of 22K pledged meters roughly ₹81 to ₹87 a month in interest depending on the scheme.
Indian 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 Indian Bank? |
|---|---|---|---|---|---|---|
| 1 gram | ₹12,973 | 85% | ₹11,027 | ₹11,027 | ₹81–₹87 | Below ₹25,000 minimum |
| 5 grams | ₹64,865 | 85% | ₹55,135 | ₹11,027 | ₹404–₹436 | Within limits |
| 10 grams | ₹1,29,730 | 85% | ₹1,10,271 | ₹11,027 | ₹809–₹873 | Within limits |
| 20 grams | ₹2,59,460 | 85% | ₹2,20,541 | ₹11,027 | ₹1,617–₹1,746 | Within limits |
| 50 grams | ₹6,48,650 | 75% | ₹4,86,488 | ₹9,730 | ₹3,568–₹3,851 | Within limits |
| 100 grams | ₹12,97,300 | 75% | ₹9,72,975 | ₹9,730 | ₹7,135–₹7,703 | Within limits |
Interest column spans Indian Bank's 8.8%–9.5% 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 22 grams of 22K you stay inside the 85% tier. Between roughly 22 and 48 grams you fall to 80%, and past about 48 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.
Indian Bank's own floor bites before the regulatory one does: it will not write a loan under ₹25,000, 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 ₹35 lakh ceiling is high enough that weight, not the lender, is your binding constraint.
Indian Bank gold loan per gram calculator
Indian Bank gold loan per gram calculator
Indicative, on the 2026-10-25 reference of ₹14,163/g (24k). RBI LTV tiers: 85% ≤₹2.5L, 80% ≤₹5L, 75% above. Lender schemes may advance less; stones/wastage count zero.
Two inputs, one answer: weight and purity in, maximum advance at Indian Bank out — with the regulatory tier chosen by the size of the resulting loan rather than by you.
For a figure you can trust, subtract stone weight first and be pessimistic about purity on anything without a hallmark — those are precisely the two places Indian Bank's appraiser will be.
Indian Bank gold loan interest rates →
Gold loan EMI calculator →
Today's gold rate, city-wise →
How Indian Bank calculates gold loan per gram
Between the jewellery you hand over and the amount Indian Bank writes, four things happen. Only the last is regulatory; the first three are judgement.
- Net weight. The appraiser weighs the piece, then deducts everything that is not gold. A stone-set kundan piece can lose 20–40% of gross weight here; a plain chain loses almost nothing.
- 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.
- Value at Indian Bank's internal rate. Multiply the pure gold content by Indian 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.
- 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 Indian 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 ₹14,163 per gram is about ₹1,49,193. That falls in the 85% tier, so the advance is roughly ₹1,26,814 — about ₹10,568 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.
Indian Bank gold loan per gram for 22K, 20K and 18K gold
What your jewellery is made of decides the advance as much as what it weighs. Here is the per-gram figure at each purity Indian Bank will accept.
| Purity | Value per gram | Per gram at 85% tier | Per gram at 75% tier | Accepted at Indian Bank? |
|---|---|---|---|---|
| 24K | ₹14,163 | ₹12,039 | ₹10,622 | Bank-issued coins only, quantity capped |
| 22K | ₹12,973 | ₹11,027 | ₹9,730 | Yes |
| 20K | ₹11,798 | ₹10,028 | ₹8,849 | Yes |
| 18K | ₹10,622 | ₹9,029 | ₹7,967 | Yes — Indian Bank's usual floor |
Nearly every Indian ornament you might pledge at Indian 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: Indian 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 different numbers, routinely confused: market value per gram, and advance per gram. Indian Bank advances against the first but is capped well below it — ₹12,973 of 22K value supports ₹11,027 of borrowing on a small pledge, less on a large one.
Because the advance is a fraction of price, it inherits every price move. The last 30 days have taken 24K down ₹1,048 a gram, which works through to about ₹816 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.
This cuts both ways, and the unpleasant direction is the one to size for. Borrow at the ceiling and a modest price fall puts you in margin-call territory at Indian Bank; borrow below it and the same fall is a non-event. Our auction risk calculator shows the price at which the question would arise on your own pledge.
How much can Indian Bank lend against your gold?
Your maximum is whichever binds first: RBI's tier, Indian Bank's own ₹25,000–₹35 lakh 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. Thinner northern/western presence limits access outside the south
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: Dual-custody sealed packets, strongroom storage, and — reflecting Chennai-headquarters gold culture — appraisal desks that handle pledges all day at southern branches. Same-day release on closure is the working norm; carry the original receipt and ID, and count items before the register signs.
A worked case from Indian Bank's own territory: A Coimbatore pump-manufacturer’s widow consolidating chit obligations into one 35-month EMI gold loan at a third of the chit’s implied cost.
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.
Indian Bank's per-gram ceiling, priced in its own rates
| Purity | Max advance/g | Interest/g/mo @ 8.8% | @ 9.5% |
|---|---|---|---|
| 24k | ₹10,622 | ₹78 | ₹84 |
| 22k | ₹9,730 | ₹71 | ₹77 |
| 20k | ₹8,848 | ₹65 | ₹70 |
| 18k | ₹7,967 | ₹58 | ₹63 |
*Indicative national reference, updated 2026-10-25; 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 ₹71–₹77 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.
Indian Bank गोल्ड लोन — हिंदी में जानकारी
आज Indian Bank से 22 कैरेट सोने पर अधिकतम लगभग ₹11,027 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।
Indian Bank गोल्ड लोन प्रति ग्राम — अक्सर पूछे जाने वाले सवाल
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22 कैरेट, 20 कैरेट और 18 कैरेट सोने पर कितना-कितना लोन मिलता है?
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शाखा में मिलने वाली रकम कैलकुलेटर से कम क्यों निकलती है?
Indian Bank gold loan — FAQs
How much does Indian Bank give per gram of 22k gold today?
Why did the appraiser value my jewellery lower than this page?
Does the per-gram rate change daily at Indian Bank?
Can I get more than 75% of my gold's value as a loan?
Is Indian Bank's counter your best move?
A soft-check eligibility scan puts real personal-loan numbers beside the pledge.