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

On today's indicative reference (₹11840/g for 24k, updated 2026-09-01), RBI's 75% cap puts the maximum advance near ₹8,134/gram for 22k jewellery — with Karur Vysya Bank's scheme LTVs and its 9.25%–11% band deciding where your quote lands.

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.

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

PurityMax advance/gInterest/g/mo @ 9.25%@ 11%
24k ₹8,880 ₹68 ₹81
22k ₹8,134 ₹63 ₹75
20k ₹7,397 ₹57 ₹68
18k ₹6,660 ₹51 ₹61

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

Grams convert to rupees twice here: once as Karur Vysya Bank's advance (≈₹8,134/g for 22k today) and monthly as interest — ₹63 to ₹75 per gram depending on scheme. Multiply by your lot before the counter does.

Reading Karur Vysya Bank's counter against this table

At Karur Vysya Bank, per-gram generosity and rate move inversely across schemes: the counter quoting nearest this table's maximum is also quoting nearest 11%. Say what you actually need and let the scheme fit it.

Scheme flavour to expect at this counter: KVB Gold Loan — Tamil-belt pledge lending in a disciplined band, with trade-community workflows (weekly-market cycles, business renewals) baked into branch practice.

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 Karur Vysya Bank's counter on small tickets; irrelevant above ₹5 lakh.

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Karur Vysya Bank gold loan — FAQs

How much does Karur Vysya 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 Karur Vysya Bank's 9.25% floor costs about ₹63/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 Karur Vysya 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?
On small consumption loans, yes: RBI's 2026 directions permit up to 85% LTV for loans up to ₹2.5 lakh and 80% up to ₹5 lakh — above that, the 75% cap binds. No legitimate lender exceeds these ceilings; offers that do are either mispriced schemes you're misreading or counters to walk out of.
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