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

Kotak Mahindra Bank 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 9%–24% scheme band.

Indicative figures for comparison only. BankCreds is not a lender — the bank or NBFC’s current schedule and your Key Fact Statement are the binding numbers.

What Kotak Mahindra Bank can advance per gram — and what it costs to hold

Purity	Max advance/g	Interest/g/mo @ 9%	@ 24%
24k	₹8,880	₹67	₹178
22k	₹8,134	₹61	₹163
20k	₹7,397	₹55	₹148
18k	₹6,660	₹50	₹133

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

Grams convert to rupees twice here: once as Kotak Mahindra Bank's advance (≈₹8,134/g for 22k today) and monthly as interest — ₹61 to ₹163 per gram depending on scheme. Multiply by your lot before the counter does.

What changes between this page and Kotak Mahindra Bank's branch

Expect Kotak Mahindra 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.

Kotak Mahindra Bank's signature structure here is Kotak Gold Loan: Term and OD-style structures with some of the longest tenures banks offer against gold — up to 4 years on eligible variants.

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 Kotak Mahindra Bank's counter on small tickets; irrelevant above ₹5 lakh.

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Kotak Mahindra Bank gold loan — FAQs

How much does Kotak Mahindra 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 Kotak Mahindra Bank's 9% floor costs about ₹61/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 Kotak Mahindra 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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