Manappuram Finance Gold Loan Interest Rate Today, 26 October 2026: Slabs, Per-Gram Cost & Schemes
Everything here is indicative, published for comparison — BankCreds lends nothing; verify live rates, charges and eligibility with the lender before acting.
How much will an Manappuram Finance gold loan cost?
Two inputs decide what a Manappuram Finance pledge costs you: the slab you land in (9.9%–26%) and how you repay. Manappuram Finance offers 3 repayment shapes over 3–12 months typical; short-cycle schemes, and switching between them below changes the total more than a point of interest does.
A Thiruvananthapuram gig-economy household running OGL as its overdraft: school fees drawn in June, cleared by August, drawn again for Onam — one pledge, a year of breathing room.
Manappuram Finance gold loan EMI calculator
- Monthly EMI
- ₹18,336
- Total interest
- ₹20,032
- Total repayment
- ₹2,20,032
Indicative simple-interest arithmetic on the figures you set. Your sanctioned rate depends on scheme, LTV band and tenure, and the Key Fact Statement issued before you accept is the binding version.
Worked examples at Manappuram Finance's mid-board 18%
| Loan amount | 12 months | 24 months | 36 months |
|---|---|---|---|
| ₹50,000 | ₹4,584/mo | ₹2,496/mo | ₹1,808/mo |
| ₹1,00,000 | ₹9,168/mo | ₹4,992/mo | ₹3,615/mo |
| ₹2,00,000 | ₹18,336/mo | ₹9,985/mo | ₹7,230/mo |
| ₹5,00,000 | ₹45,840/mo | ₹24,962/mo | ₹18,076/mo |
EMI figures at 18% — Manappuram Finance's mid-board slab. On a bullet structure the monthly outgo is interest only (₹1,500 a month on ₹1,00,000), with the principal due in full at closure.
Read the columns across rather than down. Stretching ₹2,00,000 from 12 to 36 months cuts the monthly outgo from ₹18,336 to ₹7,230, but you carry the pledge three times as long and pay roughly ₹40,248 more in total interest. A longer carry at Manappuram Finance is not a discount, it is a subscription. The monthly number falls, the total rises, and the jewellery stays in a vault for the difference.
How much gold loan can I get from Manappuram Finance?
Before the twenty-minute disbursal, do the two-minute arithmetic. This is what Manappuram Finance can advance against a given weight under RBI's tiered cap. The result applies RBI's tiered loan-to-value ceiling, so the percentage you are advanced changes with the size of the loan itself — not with which lender you choose.
Manappuram Finance gold loan amount 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 Manappuram Finance-specific limits sit around that figure: it lends from ₹1,000 to ₹1.5 crore stated capability, so a pledge below the floor is declined as uneconomic to process and one above the ceiling has to be split or taken elsewhere.
What you are quoted at Manappuram Finance depends on the appraiser in front of you as much as on the day's rate: gross weight minus stones and solder, times the purity actually tested, times the LTV tier your loan size lands in.
Where Manappuram Finance helps: rates start below Muthoot’s equivalents on several schemes. Where it does not: oGL’s ease can normalize perpetual debt against the family gold — discipline required.
The calculator assumes clean metal weight. Subtract stones, and treat an unhallmarked piece as likely to appraise a karat lower than you expect.
See Manappuram Finance gold loan per gram →
Today's gold rate, city-wise →
Manappuram Finance gold loan schemes
Manappuram Finance runs 3 gold-loan schemes rather than one. They differ in how much they advance, how you repay and what they cost — which is why the same jewellery can be quoted at 9.9% or 26% in the same branch on the same morning.
Online Gold Loan (OGL)
The distinctive product: pledge once at a branch, then draw, repay and redraw against the same packet entirely online — gold as a revolving digital credit line.
Short-tenure value schemes
3–6 month structures with sharper rates for defined exits.
Max-LTV counters
Emergency-priced full-advance schemes, as across the industry.
Repayment structures offered
- •OGL: draw/repay anytime digitally
- •Interest-serviced cycles
- •Bullet within scheme
Charges beyond interest
- •Modest scheme charges
- •OGL convenience built into pricing
- •Default-path notice/auction fees
- •MTM top-up provisions
Processing: nil to nominal by scheme.
Where Manappuram Finance is genuinely strong rather than merely available: oGL is genuinely innovative — revolving digital credit against a one-time pledge. That is the reason to choose this counter over a cheaper one — and if it does not describe your situation, the bank tables on our hub will serve you better.
Is an Manappuram Finance gold loan cheaper than a personal loan?
Cheaper, yes — a gold loan is secured and a personal loan is not, and pricing follows collateral. But cheaper money against your jewellery is a different bargain from cheaper money against your signature.
Manappuram’s OGL suits the digitally comfortable borrower whose needs recur: pledge once, then manage liquidity from a phone. That’s materially better economics than serial pledge-release cycles — and materially easier to let quietly become permanent. Use it like the credit line it is (draw, clear, rest), audit the habit quarterly, and it’s the best NBFC gold product in the market for rhythm borrowers.
| On ₹3 lakh, 24 months | Manappuram Finance gold loan | Unsecured personal loan |
|---|---|---|
| Indicative rate | 9.9%–26% | 10.5%–24% |
| EMI at the typical rate | ₹14,977 | ₹14,689 |
| Credit score needed | None — the pledge is the underwriting | Typically 700+ for a bank |
| Income proof | Not required | Salary slips, bank statements, ITR |
| Disbursal | Same day, after branch valuation | 1–7 days |
| What you risk | Your jewellery, at auction after notice | Your credit file and legal recovery |
| Tenure | 3–12 months typical; short-cycle schemes | Up to 5–6 years |
The NBFC case is not that it is cheapest. It is that it is open — on a Sunday, at a small ticket, to someone with no score — and a personal loan is none of those things.
On the numbers above, the gold route costs roughly ₹-288 a month less on ₹3 lakh over two years — about ₹-6,912 in total.
Before choosing the cheaper option, price the downside. A missed personal loan costs you a credit record you can rebuild. A missed pledge at Manappuram Finance costs you ornaments that were probably never yours alone to risk — and the 3–12 months typical; short-cycle schemes ceiling makes rollovers likely on anything longer-term.
Run both sides before deciding: personal loan guides and the personal loan EMI calculator give you the other half, and the gold loan hub compares Manappuram Finance against every other counter on one table.
The Manappuram Finance slab logic: lower LTV → lower rate
Gold-loan pricing is margin pricing: draw less against your ornaments and Manappuram Finance's cushion widens — a courtesy returned as basis points down the ladder below.
| You draw (of value) | Indicative rate* | Monthly / ₹1 lakh |
|---|---|---|
| Up to ~55–60% | 9.9% | ₹825 |
| ~60–70% | 18% | ₹1,500 |
| Max (75% cap) | 26% | ₹2,167 |
*Indicative framing of Manappuram Finance's 9.9%–26% band; actual scheme boundaries vary. Verify at branch — the KFS binds.
Run your ticket down the table: ₹2 lakh at the 18% middle rung costs ₹3,000 monthly, ₹10 lakh costs ₹15,000 — and shifting one rung down saves ₹6,750 a month on the bigger pledge. LTV appetite is the negotiation.
| Drawn | @9.9%/mo | @18%/mo | @26%/mo |
|---|---|---|---|
| ₹2 lakh | ₹1,650 | ₹3,000 | ₹4,334 |
| ₹5 lakh | ₹4,125 | ₹7,500 | ₹10,835 |
| ₹10 lakh | ₹8,250 | ₹15,000 | ₹21,670 |
The ladder against neighbours
| Lender | Floor | Ceiling | Monthly/₹1L at floor |
|---|---|---|---|
| Manappuram Finance | 9.9% | 26% | ₹825 |
| CSB Bank | 9.7% | 13% | ₹808 |
| Axis Bank | 9.5% | 17% | ₹792 |
| Bajaj Finance | 9.5% | 26% | ₹792 |
The table's honest lesson: gold-loan pricing is a menu, not a market rate. Interrogate Manappuram Finance's scheme board with your LTV appetite stated, then compare like-for-like slabs.
Manappuram Finance गोल्ड लोन — हिंदी में जानकारी
Manappuram Finance सोने पर कर्ज लगभग 9.9% से 26% सालाना की दर पर देता है, और अवधि 3–12 months typical; short-cycle schemes तक रहती है। ब्याज दर आपकी आय या सिबिल स्कोर से नहीं, बल्कि इस बात से तय होती है कि आप गहनों की कीमत का कितना हिस्सा उठा रहे हैं। नीचे वही सवाल हैं जो शाखा पहुँचने से पहले साफ होने चाहिए।
Manappuram Finance गोल्ड लोन — अक्सर पूछे जाने वाले सवाल
Manappuram Finance गोल्ड लोन की ब्याज दर कितनी है?
Manappuram Finance से एक ग्राम सोने पर कितना लोन मिलता है?
Manappuram Finance गोल्ड लोन में EMI और बुलेट में क्या फर्क है?
Manappuram Finance से गोल्ड लोन कितनी जल्दी मिल जाता है?
अगर मैं Manappuram Finance का गोल्ड लोन नहीं चुका पाया तो गहनों का क्या होगा?
Manappuram Finance gold loan — FAQs
Why does Manappuram Finance charge different gold-loan rates on different schemes?
What does a Manappuram Finance gold loan cost per month per ₹1 lakh?
Are Manappuram Finance's advertised gold-loan rates guaranteed?
Can I move my gold loan from Manappuram Finance to a cheaper lender later?
Weighing Manappuram Finance against other options?
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