Karur Vysya Bank Gold Loan Per Gram Today, 26 October 2026: How Much Loan for 1 Gram of Gold?
On today's indicative reference (₹14163/g for 24k, updated 2026-10-25), RBI's 75% cap puts the maximum advance near ₹9,730/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.
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Karur Vysya 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 Karur Vysya Bank on a small pledge.
Karur Vysya Bank sits between the public-sector floor and NBFC convenience pricing, and its per-gram advance follows the same regulatory ceiling as both. What differs is the speed of getting to it and the rate once you have.
That second figure is the one people search for, and it carries a caveat almost nobody states: <strong>the per-gram advance is not a fixed number</strong>. It falls as the pledge grows, 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.
Karur Vysya Bank then applies its own scheme rules inside that ceiling. It lends from ₹10,000 to ₹50 lakh, over up to 12 months (renewable), at an indicative 9.25%–11%. Holding cost follows the advance: each gram of 22K pledged meters roughly ₹85 to ₹101 a month in interest depending on the scheme.
Karur Vysya Bank gold loan amount for 1g, 5g, 10g, 20g, 50g and 100g
The ladder below runs today's 22K figure across the weights households actually pledge. Watch the effective per-gram column rather than the total: it falls as the loan crosses each tier.
| Gold (22K) | Value | LTV tier | Loan amount | Effective per gram | Interest/month | At Karur Vysya Bank? |
|---|---|---|---|---|---|---|
| 1 gram | ₹12,973 | 85% | ₹11,027 | ₹11,027 | ₹85–₹101 | Within limits |
| 5 grams | ₹64,865 | 85% | ₹55,135 | ₹11,027 | ₹425–₹505 | Within limits |
| 10 grams | ₹1,29,730 | 85% | ₹1,10,271 | ₹11,027 | ₹850–₹1,011 | Within limits |
| 20 grams | ₹2,59,460 | 85% | ₹2,20,541 | ₹11,027 | ₹1,700–₹2,022 | Within limits |
| 50 grams | ₹6,48,650 | 75% | ₹4,86,488 | ₹9,730 | ₹3,750–₹4,459 | Within limits |
| 100 grams | ₹12,97,300 | 75% | ₹9,72,975 | ₹9,730 | ₹7,500–₹8,919 | Within limits |
Interest column spans Karur Vysya Bank's 9.25%–11% 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.
Karur Vysya Bank lends from ₹10,000, 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.
Karur Vysya Bank gold loan per gram calculator
Karur Vysya 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.
Enter the weight you would pledge and the purity stamped on it. The result applies the tiered ceiling automatically, so it answers what a flat per-gram figure cannot: what <em>this</em> pledge raises, at the tier <em>this</em> loan size falls into.
Two adjustments before you rely on it. Enter <strong>net</strong> weight — gold only, stones and enamel excluded, since none of them lends. And if the piece is unhallmarked, try one purity level lower than the bill claims.
Karur Vysya Bank gold loan interest rates →
Gold loan EMI calculator →
Today's gold rate, city-wise →
How Karur Vysya Bank calculates gold loan per gram
Four steps sit between your ornament and the figure on Karur Vysya Bank's sanction letter.
- Net weight. What goes on the scale is not what counts. Solder, settings and stones are deducted, and for heavily worked pieces that deduction is the largest number in the whole calculation.
- Assessed purity. Karur Vysya Bank assays rather than trusts. A 916 hallmark will hold up; an unmarked heirloom frequently assays a karat below what the family believed, and the tested figure is the one that governs.
- Value at Karur Vysya Bank's internal rate. Multiply the pure gold content by Karur Vysya 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 Karur Vysya Bank: 25 grams of hallmarked 22K with 2 grams of stones. Net metal 23 grams, pure gold 23 × 0.916 = 21.1 grams, value at ₹14,163 per gram is about ₹2,98,386. That falls in the 80% tier, so the advance is roughly ₹2,38,709 — about ₹9,548 per gram of what you actually handed over, once the stones are accounted for.
That last number is the honest one. Per-gram figures quoted anywhere, including on this page, describe pure metal; the rate against <em>your jewellery as it is</em> will be lower in proportion to whatever is not gold in it.
Karur Vysya Bank gold loan per gram for 22K, 20K and 18K gold
Purity changes the advance proportionally, because only the gold content lends. The table shows both the small-pledge ceiling and the large-pledge one, so the spread is visible at each karat.
| Purity | Value per gram | Per gram at 85% tier | Per gram at 75% tier | Accepted at Karur Vysya 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 — Karur Vysya Bank's usual floor |
<strong>22K</strong> is the workhorse: most Indian jewellery is made at this purity, and the 916 hallmark is exactly this — 91.6% gold. <strong>20K</strong> appears in regional and older work. <strong>18K</strong> is generally the floor Karur Vysya Bank accepts, and it is common in studded and designer pieces — a double penalty, since those also carry the heaviest stone deductions.
<strong>24K</strong> is worth the most per gram but is the least useful collateral in practice: Karur Vysya 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
The gold rate is what a gram is worth. The per-gram advance is what it borrows. Karur Vysya Bank works to the same regulatory ceiling as every bank — ₹12,973 of 22K value supports about ₹11,027 of loan on a small pledge — so a competitor quoting a higher advance is either using a different purity or a different tier.
The two do move together, though, which has a consequence borrowers rarely use. Over the last 30 days the 24K reference has moved down by ₹1,048 per gram. Passed through purity and the top tier, that is roughly ₹816 per gram of change in borrowing power on 22K — meaning a pledge taken near the top of the market may be closer to its margin threshold than when it was written.
The reverse case is the one to plan for. If gold falls sharply while your loan is outstanding, Karur Vysya Bank's cover thins and it may ask for part-prepayment or additional collateral — not because you missed a payment, but because the arithmetic moved. Borrowing well below the ceiling is the simplest insurance, and our auction risk calculator shows the price at which the question would arise on your own pledge.
How much can Karur Vysya Bank lend against your gold?
Three ceilings apply at once and your loan is the smallest of them: the <strong>regulatory</strong> one (the LTV tier), the <strong>lender</strong> one (Karur Vysya Bank writes ₹10,000 to ₹50 lakh), and the <strong>practical</strong> one — how much gold you will genuinely leave in a vault for up to 12 months (renewable).
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. Regional network; weak beyond the southern trade belts
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: Counter-side appraisal and sealed dual-custody packets in a bank whose Karur home market treats gold lending as commerce infrastructure. Release rhythms are same-day; the pledge receipt’s net-weight line is your contract — read it before signing, as everywhere.
A worked case from Karur Vysya Bank's own territory: A Thanjavur-delta farm family’s kuruvai-season input loan — ₹2.5 lakh at agri pricing, the branch appraiser knowing the household’s ornaments by sight after a decade.
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.
The Karur Vysya Bank gram table: ceiling, and the monthly meter on it
| Purity | Max advance/g | Interest/g/mo @ 9.25% | @ 11% |
|---|---|---|---|
| 24k | ₹10,622 | ₹82 | ₹97 |
| 22k | ₹9,730 | ₹75 | ₹89 |
| 20k | ₹8,848 | ₹68 | ₹81 |
| 18k | ₹7,967 | ₹61 | ₹73 |
*Indicative national reference, updated 2026-10-25; 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 (≈₹9,730/g for 22k today) and monthly as interest — ₹75 to ₹89 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.
Karur Vysya Bank गोल्ड लोन — हिंदी में जानकारी
आज Karur Vysya 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।
Karur Vysya Bank गोल्ड लोन प्रति ग्राम — अक्सर पूछे जाने वाले सवाल
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10 ग्राम और 50 ग्राम सोने पर Karur Vysya Bank से कितना लोन मिलेगा?
22 कैरेट, 20 कैरेट और 18 कैरेट सोने पर कितना-कितना लोन मिलता है?
सोने का भाव और गोल्ड लोन प्रति ग्राम — दोनों में क्या फर्क है?
शाखा में मिलने वाली रकम कैलकुलेटर से कम क्यों निकलती है?
Karur Vysya Bank gold loan — FAQs
How much does Karur Vysya 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 Karur Vysya Bank?
Can I get more than 75% of my gold's value as a loan?
Weighing Karur Vysya Bank against other options?
A soft-check eligibility scan puts real personal-loan numbers beside the pledge.