Kotak Mahindra Bank Gold Loan Per Gram Today, 10 October 2026: How Much Loan for 1 Gram of Gold?

Today's Kotak Mahindra Bank gold loan per gram ₹11,635 / gram* 22K jewellery · small-ticket tier · updated 2026-10-09
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Kotak Mahindra Bank can advance up to about ₹10,266 per gram of 22k on today's ₹14943/g reference (updated 2026-10-09, 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.

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Kotak Mahindra Bank gold loan per gram today

On today's reference of ₹14,943 per gram of 24K (updated 2026-10-09), a gram of 22K jewellery is worth about ₹13,688 and supports a maximum advance of roughly ₹11,635 per gram at Kotak Mahindra Bank on a small pledge.

The per-gram number at Kotak Mahindra Bank is not a competitive variable — it is set by RBI. What the bank controls is how quickly it reaches that number and what it charges to hold it.

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 ₹11,635 as part of a 10-gram pledge and only ₹10,266 as part of a 100-gram one — a difference of ₹1,369 per gram for identical metal.

Kotak Mahindra Bank then applies its own scheme rules inside that ceiling. It lends from ₹20,000 to ₹50 lakh, over up to 48 months (structure-dependent), at an indicative 9%–24%. Holding cost follows the advance: each gram of 22K pledged meters roughly ₹87 to ₹233 a month in interest depending on the scheme.

Kotak Mahindra 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 Kotak Mahindra Bank?
1 gram ₹13,688 85% ₹11,635 ₹11,635 ₹87–₹233 Below ₹20,000 minimum
5 grams ₹68,440 85% ₹58,174 ₹11,635 ₹436–₹1,163 Within limits
10 grams ₹1,36,880 85% ₹1,16,348 ₹11,635 ₹873–₹2,327 Within limits
20 grams ₹2,73,760 85% ₹2,32,696 ₹11,635 ₹1,745–₹4,654 Within limits
50 grams ₹6,84,400 75% ₹5,13,300 ₹10,266 ₹3,850–₹10,266 Within limits
100 grams ₹13,68,800 75% ₹10,26,600 ₹10,266 ₹7,700–₹20,532 Within limits

Interest column spans Kotak Mahindra Bank's 9%–24% 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 21 grams of 22K you stay inside the 85% tier. Between roughly 21 and 45 grams you fall to 80%, and past about 45 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.

Kotak Mahindra Bank's own floor bites before the regulatory one does: it will not write a loan under ₹20,000, 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 ₹50 lakh ceiling is high enough that weight, not the lender, is your binding constraint.

Kotak Mahindra Bank gold loan per gram calculator

Kotak Mahindra Bank gold loan per gram calculator

Appraised value
₹2,73,756
LTV tier applied
85%
Eligible loan (max)
₹2,32,692

Indicative, on the 2026-10-09 reference of ₹14,943/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 Kotak Mahindra 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 Kotak Mahindra Bank's appraiser will be.

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How Kotak Mahindra Bank calculates gold loan per gram

Between the jewellery you hand over and the amount Kotak Mahindra Bank writes, four things happen. Only the last is regulatory; the first three are judgement.

  1. 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.
  2. 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.
  3. Value at Kotak Mahindra Bank's internal rate. The bank applies its own reference price, usually a short trailing average. In a rising market that makes your figure slightly conservative; in a falling one, slightly generous.
  4. 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 Kotak Mahindra Bank: 22 grams of hallmarked 22K with 1.5 grams of stones. Net metal 20.5 grams, pure gold 20.5 × 0.916 = 18.8 grams, value at ₹14,943 per gram is about ₹2,80,600. That falls in the 85% tier, so the advance is roughly ₹2,38,510 — about ₹10,841 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.

Kotak Mahindra 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 Kotak Mahindra Bank will accept.

Purity Value per gram Per gram at 85% tier Per gram at 75% tier Accepted at Kotak Mahindra Bank?
24K ₹14,943 ₹12,702 ₹11,207 Bank-issued coins only, quantity capped
22K ₹13,688 ₹11,635 ₹10,266 Yes
20K ₹12,448 ₹10,581 ₹9,336 Yes
18K ₹11,207 ₹9,526 ₹8,405 Yes — Kotak Mahindra Bank's usual floor

Nearly every Indian ornament you might pledge at Kotak Mahindra 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: Kotak Mahindra 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

Kotak Mahindra Bank advances a capped share of what your gold is worth, not the whole of it. Today that is ₹11,635 against ₹13,688 of 22K value — and the cushion exists because gold is repriced every morning.

Because the advance is a fraction of price, it inherits every price move. The last 30 days have taken 24K down ₹386 a gram, which works through to about ₹301 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 Kotak Mahindra 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 Kotak Mahindra Bank lend against your gold?

Your maximum is whichever binds first: RBI's tier, Kotak Mahindra Bank's own ₹20,000–₹50 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. The 24% band-top is genuinely NBFC-grade — quote-check aggressively

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: Vault custody with dual control and sealed itemized packets; longer tenures mean your gold may sit years — confirm the branch’s periodic-verification rights and your inspection option in the agreement before signing a 48-month structure.

A worked case from Kotak Mahindra Bank's own territory: An Amritsar family consolidating two NBFC gold loans (23% blended) into one Kotak structure at under half the rate, same ornaments, single EMI.

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.

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

PurityMax advance/gInterest/g/mo @ 9%@ 24%
24k ₹11,207 ₹84 ₹224
22k ₹10,266 ₹77 ₹205
20k ₹9,336 ₹70 ₹187
18k ₹8,405 ₹63 ₹168

*Indicative national reference, updated 2026-10-09; 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 (≈₹10,266/g for 22k today) and monthly as interest — ₹77 to ₹205 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 गोल्ड लोन — हिंदी में जानकारी

आज Kotak Mahindra Bank से 22 कैरेट सोने पर अधिकतम लगभग ₹11,635 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।

Kotak Mahindra Bank गोल्ड लोन प्रति ग्राम — अक्सर पूछे जाने वाले सवाल

Kotak Mahindra Bank एक ग्राम सोने पर कितना लोन देता है?
आज के भाव पर 22 कैरेट के एक ग्राम की कीमत लगभग ₹13,688 है, और Kotak Mahindra Bank से उस पर अधिकतम लगभग ₹11,635 प्रति ग्राम तक कर्ज मिल सकता है। ध्यान दें कि यह आँकड़ा स्थिर नहीं है — जैसे-जैसे गिरवी बड़ा होता है, प्रति ग्राम मिलने वाली रकम घटती जाती है, क्योंकि RBI की सीमा लोन की रकम के हिसाब से बदलती है। 100 ग्राम के गिरवी पर यही आँकड़ा घटकर लगभग ₹10,266 प्रति ग्राम रह जाता है।
10 ग्राम और 50 ग्राम सोने पर Kotak Mahindra Bank से कितना लोन मिलेगा?
आज के हिसाब से 22 कैरेट के 10 ग्राम पर लगभग ₹1,16,348 और 50 ग्राम पर लगभग ₹5,13,300 तक कर्ज बनता है। फर्क सिर्फ वजन का नहीं है: 10 ग्राम वाला लोन ₹2.5 लाख से कम रहता है इसलिए उस पर 85% वाली ऊँची सीमा लगती है, जबकि 50 ग्राम वाला लोन ₹5 लाख पार कर जाता है और उस पर 75% वाली सीमा लागू होती है। यानी ज्यादा सोना गिरवी रखने पर अनुपात घट जाता है।
22 कैरेट, 20 कैरेट और 18 कैरेट सोने पर कितना-कितना लोन मिलता है?
कर्ज सिर्फ शुद्ध सोने पर मिलता है, इसलिए कैरेट सीधे रकम बदल देता है। आज की कीमत के हिसाब से प्रति ग्राम मूल्य है — 22K: ₹13,688, 20K: ₹12,448, 18K: ₹11,207। छोटे लोन की 85% सीमा पर इन पर क्रमशः लगभग ₹11,635, ₹10,581 और ₹9,526 प्रति ग्राम तक कर्ज बनता है। Kotak Mahindra Bank में आमतौर पर 18 कैरेट सबसे नीचे की सीमा है, उससे कम शुद्धता वाला गहना स्वीकार नहीं होता।
सोने का भाव और गोल्ड लोन प्रति ग्राम — दोनों में क्या फर्क है?
सोने का भाव बताता है कि एक ग्राम की कीमत कितनी है; गोल्ड लोन प्रति ग्राम बताता है कि उस एक ग्राम पर कर्ज कितना मिलेगा। दूसरा हमेशा पहले से कम होता है, क्योंकि RBI किसी भी लेंडर को गहने की पूरी कीमत देने की इजाजत नहीं देता — भाव रोज बदलता है, इसलिए एक सुरक्षा मार्जिन रखा जाता है। पिछले 30 दिनों में 24 कैरेट का भाव लगभग ₹386 प्रति ग्राम घटा है, जिससे 22 कैरेट पर कर्ज लेने की क्षमता करीब ₹301 प्रति ग्राम घटी है।
शाखा में मिलने वाली रकम कैलकुलेटर से कम क्यों निकलती है?
तीन कारण हैं, और तीनों सामान्य हैं। पहला — नग और पत्थर: उनका वजन काटा जाता है, क्योंकि कर्ज सिर्फ सोने पर मिलता है; जड़े हुए गहने में 20–40% तक वजन घट सकता है। दूसरा — शुद्धता की जाँच: मुहर नहीं, परीक्षण मायने रखता है, और बिना हॉलमार्क वाला पुराना गहना अक्सर एक कैरेट नीचे निकलता है। तीसरा — Kotak Mahindra Bank आमतौर पर पिछले कुछ दिनों का औसत भाव इस्तेमाल करता है, उस दिन का सबसे ऊँचा भाव नहीं। सादी चेन और कड़े इन तीनों में सबसे कम कटते हैं।

Kotak Mahindra Bank gold loan — FAQs

How much does Kotak Mahindra Bank give per gram of 22k gold today?
Roughly ₹10,266 per gram of 22k is today's regulatory ceiling (₹14943/g reference × 0.916 × 75%), and holding it at Kotak Mahindra Bank's 9% floor costs about ₹77/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 2026-10-09). 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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