Manappuram Finance Gold Loan Per Gram Today, 26 October 2026: How Much Loan for 1 Gram of Gold?
Manappuram Finance can advance up to about ₹9,730 per gram of 22k on today's ₹14163/g reference (updated 2026-10-25, 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.
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Manappuram Finance 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 Manappuram Finance on a small pledge.
Manappuram Finance will lend from ₹1,000, which reframes the per-gram question entirely: at a bank a single gram is not a transaction, and here it is.
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.
Manappuram Finance then applies its own scheme rules inside that ceiling. It lends from ₹1,000 to ₹1.5 crore stated capability, over 3–12 months typical; short-cycle schemes, at an indicative 9.9%–26%. Holding cost follows the advance: each gram of 22K pledged meters roughly ₹91 to ₹239 a month in interest depending on the scheme.
Manappuram Finance 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 Manappuram Finance? |
|---|---|---|---|---|---|---|
| 1 gram | ₹12,973 | 85% | ₹11,027 | ₹11,027 | ₹91–₹239 | Within limits |
| 5 grams | ₹64,865 | 85% | ₹55,135 | ₹11,027 | ₹455–₹1,195 | Within limits |
| 10 grams | ₹1,29,730 | 85% | ₹1,10,271 | ₹11,027 | ₹910–₹2,389 | Within limits |
| 20 grams | ₹2,59,460 | 85% | ₹2,20,541 | ₹11,027 | ₹1,819–₹4,778 | Within limits |
| 50 grams | ₹6,48,650 | 75% | ₹4,86,488 | ₹9,730 | ₹4,014–₹10,541 | Within limits |
| 100 grams | ₹12,97,300 | 75% | ₹9,72,975 | ₹9,730 | ₹8,027–₹21,081 | Within limits |
Interest column spans Manappuram Finance's 9.9%–26% 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.
Manappuram Finance lends from ₹1,000, 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 ₹1.5 crore stated capability ceiling is high enough that weight, not the lender, is your binding constraint.
Manappuram Finance gold loan per gram calculator
Manappuram Finance 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.
Manappuram Finance gold loan interest rates →
Gold loan EMI calculator →
Today's gold rate, city-wise →
How Manappuram Finance calculates gold loan per gram
Four steps sit between your ornament and the figure on Manappuram Finance's sanction letter.
- 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.
- 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.
- Value at Manappuram Finance's internal rate. Net weight × purity factor × the lender's own per-gram rate — generally averaged over recent days rather than the day's spot, so a single-day spike does not inflate advances nor a dip deflate them.
- 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 Manappuram Finance: 40 grams of hallmarked 22K with 4 grams of stones. Net metal 36 grams, pure gold 36 × 0.916 = 33.0 grams, value at ₹14,163 per gram is about ₹4,67,039. That falls in the 80% tier, so the advance is roughly ₹3,73,631 — about ₹9,341 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.
Manappuram Finance 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 Manappuram Finance? |
|---|---|---|---|---|
| 24K | ₹14,163 | ₹12,039 | ₹10,622 | Coins accepted, 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 — Manappuram Finance'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 Manappuram Finance 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 and is still awkward collateral: Manappuram Finance accepts coins within limits, but bars are generally refused. Pure-gold holdings are an investment instrument, not a pledging one.
Gold rate vs gold loan per gram: why they are not the same number
Manappuram Finance cannot advance more per gram than a bank — the ceiling is RBI's, not the lender's. What it offers instead is the advance today, against a smaller pledge, without an income question.
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, Manappuram Finance'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 Manappuram Finance 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 (Manappuram Finance writes ₹1,000 to ₹1.5 crore stated capability), and the <strong>practical</strong> one — how much gold you will genuinely leave in a vault for 3–12 months typical; short-cycle schemes.
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. Same convenience premium economics as all NBFC gold at the top slabs
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: Branch-vault custody with the OGL twist: your sealed packet stays put while credit flows digitally against it — custody visits become rare by design. The itemized pledge receipt and periodic OGL statements are your paper trail; reconcile them like the bank statements they effectively are.
A worked case from Manappuram Finance's own territory: A Vijayawada caterer bridging event-season receivables: ₹3 lakh drawn per wedding contract, repaid on settlement, the packet pledged once last February.
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.
Gram-level math for Manappuram Finance: advance and carrying cost
| Purity | Max advance/g | Interest/g/mo @ 9.9% | @ 26% |
|---|---|---|---|
| 24k | ₹10,622 | ₹88 | ₹230 |
| 22k | ₹9,730 | ₹80 | ₹211 |
| 20k | ₹8,848 | ₹73 | ₹192 |
| 18k | ₹7,967 | ₹66 | ₹173 |
*Indicative national reference, updated 2026-10-25; 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 (≈₹9,730/g for 22k today) and monthly as interest — ₹80 to ₹211 per gram depending on scheme. Multiply by your lot before the counter does.
Reading Manappuram Finance's counter against this table
Treat ₹9,730/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.
Manappuram Finance गोल्ड लोन — हिंदी में जानकारी
आज Manappuram Finance 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।
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Manappuram Finance gold loan — FAQs
How much does Manappuram Finance 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 Manappuram Finance?
Can I get more than 75% of my gold's value as a loan?
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