Muthoot Finance Gold Loan Per Gram Today, 10 October 2026: How Much Loan for 1 Gram of Gold?
Today's numbers first (2026-10-09): 24k references ₹14943/g, so 22k pledges ceiling near ₹10,266/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.
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Muthoot Finance 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 Muthoot Finance on a small pledge.
Muthoot Finance will lend from ₹1,500, which reframes the per-gram question entirely: at a bank a single gram is not a transaction, and here it is.
Before you use that number, understand what it is not. <strong>It is not a flat rate per gram</strong> — it declines as the loan gets bigger, 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.
Muthoot Finance then applies its own scheme rules inside that ceiling. It lends from ₹1,500 to no stated ceiling (₹1 crore+ handled), over 7 days to 36 months by scheme, at an indicative 10.9%–26%. Holding cost follows the advance: each gram of 22K pledged meters roughly ₹106 to ₹252 a month in interest depending on the scheme.
Muthoot Finance gold loan amount for 1g, 5g, 10g, 20g, 50g and 100g
What each weight raises at Muthoot Finance today, and crucially what each raises <em>per gram</em>. Those two columns tell different stories, and only the second explains why bigger pledges are proportionally worse.
| Gold (22K) | Value | LTV tier | Loan amount | Effective per gram | Interest/month | At Muthoot Finance? |
|---|---|---|---|---|---|---|
| 1 gram | ₹13,688 | 85% | ₹11,635 | ₹11,635 | ₹106–₹252 | Within limits |
| 5 grams | ₹68,440 | 85% | ₹58,174 | ₹11,635 | ₹528–₹1,260 | Within limits |
| 10 grams | ₹1,36,880 | 85% | ₹1,16,348 | ₹11,635 | ₹1,057–₹2,521 | Within limits |
| 20 grams | ₹2,73,760 | 85% | ₹2,32,696 | ₹11,635 | ₹2,114–₹5,042 | Within limits |
| 50 grams | ₹6,84,400 | 75% | ₹5,13,300 | ₹10,266 | ₹4,662–₹11,122 | Within limits |
| 100 grams | ₹13,68,800 | 75% | ₹10,26,600 | ₹10,266 | ₹9,325–₹22,243 | Within limits |
Interest column spans Muthoot Finance's 10.9%–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 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.
Muthoot Finance lends from ₹1,500, 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 no stated ceiling (₹1 crore+ handled) ceiling is high enough that weight, not the lender, is your binding constraint.
Muthoot Finance gold loan per gram calculator
Muthoot Finance gold loan per gram calculator
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.
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.
Muthoot Finance gold loan interest rates →
Gold loan EMI calculator →
Today's gold rate, city-wise →
How Muthoot Finance calculates gold loan per gram
Four steps sit between your ornament and the figure on Muthoot Finance's sanction letter.
- Net weight. Gross weight is weighed first, then stripped of stones, beads, lac filling and enamel — none of which lends. This single step accounts for most of the gap between what people expect and what they are offered.
- Assessed purity. Muthoot Finance assays rather than trusts. A 916 hallmark will hold up; an unmarked heirloom frequently assays a karat below what the family believed, and the tested figure is the one that governs.
- Value at Muthoot Finance'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.
- 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 Muthoot 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 ₹14,943 per gram is about ₹4,92,760. That falls in the 80% tier, so the advance is roughly ₹3,94,208 — about ₹9,855 per gram of what you actually handed over, once the stones are accounted for.
Every per-gram figure published anywhere — this page included — is quoted on pure metal. Against real jewellery with real settings, expect less, in exact proportion to what is not gold.
Muthoot 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 Muthoot Finance? |
|---|---|---|---|---|
| 24K | ₹14,943 | ₹12,702 | ₹11,207 | Coins accepted, 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 — Muthoot Finance's usual floor |
The purity ladder matters in proportion: <strong>22K</strong> lends about 22% more per gram than <strong>18K</strong>, because only the gold content counts. Most jewellery is 22K; the exceptions are designer and studded pieces, which tend to be 18K and heavily set.
<strong>24K</strong> is worth the most per gram and is still awkward collateral: Muthoot 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
The gold rate is what a gram is worth; the advance is what it borrows. This distinction matters more at an NBFC counter than anywhere, because a fast valuation gives you less time to notice if the two have been conflated. ₹13,688 of 22K value supports about ₹11,635 of loan.
Track the price and you are tracking your own eligibility. A ₹386 per gram fall in 24K over the past month translates to roughly ₹301 per gram of 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, Muthoot 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 Muthoot Finance lend against your gold?
The answer is bounded three times over — by regulation, by Muthoot Finance's ticket limits, and by your own willingness to pledge. Only the first two are published.
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. Convenience pricing: mainstream schemes run 4–10+ points above bank counters
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: The core competence: 4,500+ branches with counter-side appraisal, strongroom storage, insured custody and inventory audits. Twenty minutes from door to disbursal is the practiced norm. Photograph ornaments beforehand, verify the itemized e-receipt, and confirm the sealed packet count at release — professional custody deserves professional borrowers.
A worked case from Muthoot Finance's own territory: A Salem power-loom owner running weekly pledge-and-release cycles with yarn-market rhythm — treating Muthoot as a cash-flow tap and paying for the privilege knowingly.
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 Muthoot Finance can advance per gram — and what it costs to hold
| Purity | Max advance/g | Interest/g/mo @ 10.9% | @ 26% |
|---|---|---|---|
| 24k | ₹11,207 | ₹102 | ₹243 |
| 22k | ₹10,266 | ₹93 | ₹222 |
| 20k | ₹9,336 | ₹85 | ₹202 |
| 18k | ₹8,405 | ₹76 | ₹182 |
*Indicative national reference, updated 2026-10-09; 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 ₹4,10,640 costs ₹3,720 a month at the 10.9% floor and ₹8,880 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 गोल्ड लोन — हिंदी में जानकारी
आज Muthoot Finance 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।
Muthoot Finance गोल्ड लोन प्रति ग्राम — अक्सर पूछे जाने वाले सवाल
Muthoot Finance एक ग्राम सोने पर कितना लोन देता है?
10 ग्राम और 50 ग्राम सोने पर Muthoot Finance से कितना लोन मिलेगा?
22 कैरेट, 20 कैरेट और 18 कैरेट सोने पर कितना-कितना लोन मिलता है?
सोने का भाव और गोल्ड लोन प्रति ग्राम — दोनों में क्या फर्क है?
शाखा में मिलने वाली रकम कैलकुलेटर से कम क्यों निकलती है?
Muthoot Finance gold loan — FAQs
How much does Muthoot 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 Muthoot Finance?
Can I get more than 75% of my gold's value as a loan?
Before you pledge at Muthoot Finance — compare once
A soft-check eligibility scan puts real personal-loan numbers beside the pledge.