Manappuram Finance Gold Loan Per Gram: Purity-Wise Advance on Today's Price

Manappuram Finance 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 9.9%–26% scheme band.

Everything here is indicative, published for comparison — BankCreds lends nothing; verify live rates, charges and eligibility with the lender before acting.

Gram-level math for Manappuram Finance: advance and carrying cost

Purity	Max advance/g	Interest/g/mo @ 9.9%	@ 26%
24k	₹8,880	₹73	₹192
22k	₹8,134	₹67	₹176
20k	₹7,397	₹61	₹160
18k	₹6,660	₹55	₹144

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

Grams convert to rupees twice here: once as Manappuram Finance's advance (≈₹8,134/g for 22k today) and monthly as interest — ₹67 to ₹176 per gram depending on scheme. Multiply by your lot before the counter does.

Reading Manappuram Finance's counter against this table

Treat ₹8,134/g as the ceiling Manappuram Finance prices down from, not a promise it prices at — scheme LTVs, assessed purity and stone deductions all pull the printed number lower, while your scheme choice sets the rate meter beside it.

Scheme flavour to expect at this counter: 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.

Small-ticket exception worth knowing: under RBI's 2026 directions, consumption loans up to ₹2.5 lakh may go to 85% LTV (80% up to ₹5 lakh) — so modest pledges at Manappuram Finance can legitimately beat this table's 75% figures. Above ₹5 lakh, the cap binds everywhere.

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Manappuram Finance gold loan — FAQs

How much does Manappuram Finance give per gram of 22k gold today?

Start from ₹8,134/g — the 22k maximum today's cap allows — then let Manappuram Finance's scheme LTV (priced 9.9%–26%) and the assay adjust downward. Ten clean grams ceiling near ₹81,340, carrying ₹1220 of monthly interest at the mid-scheme; stones and lower purity take it from there.

Why did the appraiser value my jewellery lower than this page?

This page computes the ceiling; the appraiser computes reality. Old bangles assay below their hallmark more often than families expect, stone weight comes off entirely, and the scheme you choose may lend less than the cap on purpose. None of that is sharp practice — it's the difference between arithmetic and appraisal.

Does the per-gram rate change daily at Manappuram Finance?

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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