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

Today's numbers first (2026-09-01): 24k references ₹11840/g, so 22k pledges ceiling near ₹8,134/gram under the 75% cap. Muthoot Finance quotes at or under that per scheme, on a 10.9%–26% rate board — the tables below price both sides.

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

What Muthoot Finance can advance per gram — and what it costs to hold

Purity	Max advance/g	Interest/g/mo @ 10.9%	@ 26%
24k	₹8,880	₹81	₹192
22k	₹8,134	₹74	₹176
20k	₹7,397	₹67	₹160
18k	₹6,660	₹60	₹144

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

Read the two interest columns as Muthoot Finance's real spread: a 40-gram 22k pledge maxing near ₹3,25,360 costs ₹2,960 a month at the 10.9% floor and ₹7,040 at the 26% ceiling — the scheme card, not the gold, decides which meter runs.

Reading Muthoot Finance's counter against this table

At Muthoot Finance, per-gram generosity and rate move inversely across schemes: the counter quoting nearest this table's maximum is also quoting nearest 26%. Say what you actually need and let the scheme fit it.

Scheme flavour to expect at this counter: Muthoot One Percent / low-rate schemes — Lower monthly rates for borrowers who service interest on time — discipline-priced products where the advertised rate survives only with punctual payment.

One tier favours small borrowers: RBI's 2026 rules let ≤₹2.5 lakh consumption pledges reach 85% LTV and ≤₹5 lakh reach 80% — meaning a ₹1,500-sized loan at Muthoot Finance can out-advance this 75% table. Larger tickets live under the cap, no exceptions.

Muthoot Finance full guide· Muthoot Finance rates· Rate today· Compare lenders

Muthoot Finance gold loan — FAQs

How much does Muthoot Finance 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 Muthoot Finance's 10.9% floor costs about ₹74/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 Muthoot 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?

On small consumption loans, yes: RBI's 2026 directions permit up to 85% LTV for loans up to ₹2.5 lakh and 80% up to ₹5 lakh — above that, the 75% cap binds. No legitimate lender exceeds these ceilings; offers that do are either mispriced schemes you're misreading or counters to walk out of.

Gold loan hub· Rate today· EMI calculator· Check eligibility· Personal loans· Home loans

Before you pledge at Muthoot Finance — compare once

A soft-check eligibility scan puts real personal-loan numbers beside the pledge.

Check Eligibility Free Gold Loan Hub