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PNB Gold Loan Interest Rate Today, 26 October 2026: Slabs, Per-Gram Cost & Schemes

PNB gold loan interest rate 8.75% – 9.25% p.a. Indicative band · scheme and LTV decide your slab · reviewed September 2026
Monthly interest per ₹1 lakh ₹729 – ₹771 At the floor and ceiling of the band
Cost to pledge 10g of 22K today ₹709 – ₹750 On ₹97,300 advance · gold price updated 2026-10-25

Figures on this page are indicative and for comparison only — BankCreds is not a lender; confirm current rates, charges and eligibility with the bank or NBFC before applying.

How much will an PNB gold loan cost?

Set your own figures against PNB's 8.75%–9.25% band and up to 12 months (renewable) window. Most gold-loan calculators show only an EMI; this one also prices the bullet structure, which is how a large share of PSU bank gold borrowing is actually repaid.

A Ludhiana hosiery unit owner raising ₹8 lakh against family gold in September to buy yarn ahead of winter production, cleared in March from season receipts — two renewals avoided by planning the cycle.

PNB gold loan EMI calculator

Repayment structure
Monthly EMI
₹17,490
Total interest
₹9,884
Total repayment
₹2,09,884

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 PNB's mid-board 9%

Loan amount 12 months 24 months 36 months
₹50,000 ₹4,373/mo₹2,284/mo₹1,590/mo
₹1,00,000 ₹8,745/mo₹4,568/mo₹3,180/mo
₹2,00,000 ₹17,490/mo₹9,137/mo₹6,360/mo
₹5,00,000 ₹43,726/mo₹22,842/mo₹15,900/mo

These are EMIs at PNB's mid slab. Land a lower slab and every figure falls; choose bullet instead and the monthly drops to interest alone — ₹750 per ₹1,00,000 — at the cost of a lump sum at closure.

Read the columns across rather than down. Stretching ₹2,00,000 from 12 to 36 months cuts the monthly outgo from ₹17,490 to ₹6,360, but you carry the pledge three times as long and pay roughly ₹19,080 more in total interest. The honest read on tenure at PNB: pick the shortest window your cash flow can actually clear. Rolling a pledge forward means fresh appraisal and stamp costs each time, which is where a cheap headline rate quietly stops being cheap.

How much gold loan can I get from PNB?

Start from the locker, not the rate card. The calculator below converts weight and purity into the maximum PNB can lend under RBI's tiered loan-to-value ceiling. 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.

PNB gold loan amount calculator

Appraised value
₹2,59,466
LTV tier applied
85%
Eligible loan (max)
₹2,20,546

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 PNB-specific limits sit around that figure: it lends from ₹25,000 to ₹25 lakh, so a pledge below the floor is declined as uneconomic to process and one above the ceiling has to be split or taken elsewhere.

The gap between a calculator and a PNB sanction letter is almost always weight, not price. Bring plain ornaments if you want the two numbers close.

Where PNB helps: deep north-India branch coverage, including semi-urban pockets NBFC-saturated elsewhere. Where it does not: lower maximum (₹25 lakh) than SBI or the NBFC majors.

Compare it against what PNB actually quotes. A gap of a few percent is normal appraisal caution; a large gap usually means stones or a purity call worth questioning.

See PNB gold loan per gram →
Today's gold rate, city-wise →

PNB gold loan schemes

The 8.75%–9.25% band is not one product priced loosely. It is 2 distinct schemes, and which one you are sold decides both your rate and your repayment obligation. Asking for the right scheme by name is the single most effective thing a borrower can do at a PNB counter.

PNB Gold Loan (EMI/demand)

Standard pledge lending for consumption needs with EMI or demand-loan servicing — the workhorse product at north-Indian branches.

PNB Krishi gold variants

Agriculture-purpose gold lending at priority-sector pricing, documentation-light for genuine farm use.

Repayment structures offered

  • •EMI
  • •Demand loan — interest serviced, principal on closure
  • •Annual renewal by re-pledge

Charges beyond interest

  • •Appraiser fee per packet
  • •Documentation charge (nominal)
  • •Renewal fee at 12-month rollover
  • •State stamp duty

Processing: 0.30% + valuation charges.

Where PNB genuinely beats the market rather than merely competing in it: pnb krishi gold variants. Concessional priority-sector pricing on documented farm use puts it below anything an NBFC or a private bank can offer, at the cost of paperwork a consumption borrower never has to file.

Is an PNB gold loan cheaper than a personal loan?

On rate, almost always — and by a wider margin than most borrowers expect. On risk, never. Both halves decide it.

PNB suits the borrower who wants PSU pricing with north-Indian branch density: farm households, small manufacturers on seasonal cycles, families who’ll accept a day’s process for a single-digit rate. The annual-renewal structure rewards planned borrowing over open-ended pledges — if your loan will outlive 12 months by design, budget for the renewal ritual or pick a longer-tenure lender.

On ₹3 lakh, 24 months PNB gold loan Unsecured personal loan
Indicative rate 8.75%–9.25% 10.5%–24%
EMI at the typical rate ₹13,705 ₹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 up to 12 months (renewable) Up to 5–6 years

The comparison is lopsided at a PSU counter: PNB prices the collateral, not the customer, so a weak credit file costs you nothing here and a great deal on an unsecured loan. What you pay instead is time at the branch.

On the numbers above, the gold route costs roughly ₹984 a month less on ₹3 lakh over two years — about ₹23,616 in total.

Two things argue the other way. PNB's gold tenure stops at up to 12 months (renewable), so any need that truly needs years of repayment belongs on an unsecured loan rather than a rolled-over pledge. And the consequence of failure is asymmetric: a damaged score heals over eighteen months, sold jewellery does not come back.

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 PNB against every other counter on one table.

Slab pricing at PNB, decoded

Think of PNB's 8.75%–9.25% spread as an LTV dial rather than a negotiation range: turn your drawdown lower and the rate follows, mechanically.

You draw (of value)Indicative rate*Monthly / ₹1 lakh
Up to ~55–60%8.75%₹729
~60–70%9%₹750
Max (75% cap)9.25%₹771

*Indicative framing of PNB's 8.75%–9.25% band; actual scheme boundaries vary. Verify at branch — the KFS binds.

The per-lakh column converts rates into grocery-math: ₹5 lakh drawn at PNB's floor slab carries ₹3,645 of monthly interest; the same at the top slab, ₹3,855. If your gold comfortably covers the need, "quote me a lower-LTV scheme" is the cheapest sentence in gold borrowing.

Drawn@8.75%/mo@9%/mo@9.25%/mo
₹2 lakh ₹1,458 ₹1,500 ₹1,542
₹5 lakh ₹3,645 ₹3,750 ₹3,855
₹10 lakh ₹7,290 ₹7,500 ₹7,710

The ladder against neighbours

LenderFloorCeilingMonthly/₹1L at floor
PNB8.75%9.25%₹729
SBI 8.75% 9.6% ₹729
Indian Bank 8.8% 9.5% ₹733
Union Bank 8.65% 9.9% ₹721

Read floors against floors: a lender whose ceiling scares you may still hold the sharpest low-LTV slab. PNB's position above is one input; your appraisal and scheme pick decide the rest.

PNB full guide· PNB per-gram· Rate today· All lenders

PNB गोल्ड लोन — हिंदी में जानकारी

PNB सोने पर कर्ज लगभग 8.75% से 9.25% सालाना की दर पर देता है, और अवधि up to 12 months (renewable) 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।

PNB गोल्ड लोन — अक्सर पूछे जाने वाले सवाल

PNB गोल्ड लोन की ब्याज दर कितनी है?
दर एक नहीं, एक सीढ़ी है: PNB की 8.75%–9.25% रेंज में आप कहाँ बैठेंगे, यह योजना और drawdown तय करते हैं। ₹1 लाख पर यह हर महीने ₹729 और ₹771 के बीच का फर्क है — यानी सालभर में ₹504 तक। शाखा में सीधे पूछें कि आपका आवेदन किस स्लैब में जा रहा है।
PNB से एक ग्राम सोने पर कितना लोन मिलता है?
संक्षेप में: 22 कैरेट की आज की कीमत लगभग ₹12,973 प्रति ग्राम, और उस पर कर्ज 85%, 80% या 75% — यह इस पर निर्भर करता है कि कुल लोन ₹2.5 लाख, ₹5 लाख से कम है या उससे ऊपर। बिना हॉलमार्क वाला पुराना गहना अक्सर एक कैरेट नीचे आँका जाता है, इसलिए शाखा का आँकड़ा थोड़ा कम रहेगा।
PNB गोल्ड लोन में EMI और बुलेट में क्या फर्क है?
PNB 3 तरह से चुकाने की सुविधा देता है। EMI अनुशासन माँगती है पर कुल ब्याज घटाती है; बुलेट में महीने का बोझ कम रहता है क्योंकि सिर्फ ब्याज जाता है, लेकिन पूरा मूलधन आखिर में देना होता है। ऊपर दिए कैलकुलेटर में दोनों को बदलकर देखें — वही फर्क सबसे साफ दिखता है।
खेती के लिए PNB का गोल्ड लोन सस्ता क्यों पड़ता है?
PNB की कृषि गोल्ड स्कीम में ब्याज सामान्य स्कीम से काफी कम रहता है, और चुकौती अक्सर फसल चक्र के हिसाब से तय होती है — यानी बीच में हर महीने बड़ी किस्त नहीं। बदले में खेती के उपयोग का दस्तावेज देना होता है। यह सुविधा माँगने पर मिलती है, अपने आप नहीं।
अगर मैं PNB का गोल्ड लोन नहीं चुका पाया तो गहनों का क्या होगा?
भाव गिरने पर भी जोखिम आता है: ऐसे में PNB अतिरिक्त सोना या कुछ भुगतान माँग सकता है, भले आपने कोई किस्त न चूकी हो। इसीलिए अधिकतम सीमा तक कर्ज लेना समझदारी नहीं। नीलामी की नौबत आने पर भी नोटिस, समय और न्यूनतम कीमत की सुरक्षा आपके पास रहती है।

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PNB gold loan — FAQs

Why does PNB charge different gold-loan rates on different schemes?
Each PNB scheme sells a different margin of safety: draw 55–65% of your gold's value and the thick cushion earns you rates near 8.75%; insist on the full 75% advance and the thin cushion prices toward 9.25%. The board isn't inconsistent — it's a menu of that single trade.
What does a PNB gold loan cost per month per ₹1 lakh?
Take the rate, divide by twelve, apply to each lakh: PNB's 8.75% floor works out to ₹729/lakh/month and its 9.25% ceiling to ₹771. The table above does this for ₹2–10 lakh so the counter can't do it to you.
Are PNB's advertised gold-loan rates guaranteed?
They're indicative by design — compiled from PNB's public grids and market reporting, and subject to scheme and ticket. RBI's KFS requirement is your protection: the exact rate, APR and every charge must reach you in writing before you accept, and that sheet is the only version that counts.
Can I move my gold loan from PNB to a cheaper lender later?
Freely — nothing locks a gold pledge to PNB beyond the dues: clear, release, re-pledge cheaper the same day (branches see the move weekly and some offer takeover flows). Budget the second round of appraisal and stamp charges, and make the switch when the saving is measured in percentage points.
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