PNB Gold Loan Per Gram Today, 26 October 2026: How Much Loan for 1 Gram of Gold?
PNB 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 8.75%–9.25% scheme band.
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.
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PNB 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 PNB on a small pledge.
PNB is a public-sector lender, which shapes the per-gram answer twice: the advance follows the same regulatory ceiling as everyone else, and the appraisal behind it tends to be the most conservative in the market.
One qualification changes how you should use this figure: <strong>it applies to small pledges only</strong>. The per-gram advance steps down as the loan 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.
PNB then applies its own scheme rules inside that ceiling. It lends from ₹25,000 to ₹25 lakh, over up to 12 months (renewable), at an indicative 8.75%–9.25%. Holding cost follows the advance: each gram of 22K pledged meters roughly ₹80 to ₹85 a month in interest depending on the scheme.
PNB gold loan amount for 1g, 5g, 10g, 20g, 50g and 100g
Run your own weight down this table. The final column flags whether PNB will write that ticket at all — its floor and ceiling bind independently of the regulatory tiers.
| Gold (22K) | Value | LTV tier | Loan amount | Effective per gram | Interest/month | At PNB? |
|---|---|---|---|---|---|---|
| 1 gram | ₹12,973 | 85% | ₹11,027 | ₹11,027 | ₹80–₹85 | Below ₹25,000 minimum |
| 5 grams | ₹64,865 | 85% | ₹55,135 | ₹11,027 | ₹402–₹425 | Within limits |
| 10 grams | ₹1,29,730 | 85% | ₹1,10,271 | ₹11,027 | ₹804–₹850 | Within limits |
| 20 grams | ₹2,59,460 | 85% | ₹2,20,541 | ₹11,027 | ₹1,608–₹1,700 | Within limits |
| 50 grams | ₹6,48,650 | 75% | ₹4,86,488 | ₹9,730 | ₹3,547–₹3,750 | Within limits |
| 100 grams | ₹12,97,300 | 75% | ₹9,72,975 | ₹9,730 | ₹7,095–₹7,500 | Within limits |
Interest column spans PNB's 8.75%–9.25% 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.
PNB's own floor bites before the regulatory one does: it will not write a loan under ₹25,000, so the smallest pledges in the table above are not transactable here at all. An NBFC counter with a four-figure minimum will take them. Its ₹25 lakh ceiling is high enough that weight, not the lender, is your binding constraint.
PNB gold loan per gram calculator
PNB 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.
Two inputs, one answer: weight and purity in, maximum advance at PNB out — with the regulatory tier chosen by the size of the resulting loan rather than by you.
For a figure you can trust, subtract stone weight first and be pessimistic about purity on anything without a hallmark — those are precisely the two places PNB's appraiser will be.
PNB gold loan interest rates →
Gold loan EMI calculator →
Today's gold rate, city-wise →
How PNB calculates gold loan per gram
Between the jewellery you hand over and the amount PNB writes, four things happen. Only the last is regulatory; the first three are judgement.
- Net weight. What goes on the scale is not what counts. Solder, settings and stones are deducted, and for heavily worked pieces that deduction is the largest number in the whole calculation.
- Assessed purity. PNB 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 PNB'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 PNB: 12 grams of hallmarked 22K with 0.5 grams of stones. Net metal 11.5 grams, pure gold 11.5 × 0.916 = 10.5 grams, value at ₹14,163 per gram is about ₹1,49,193. That falls in the 85% tier, so the advance is roughly ₹1,26,814 — about ₹10,568 per gram of what you actually handed over, once the stones are accounted for.
Which is why two people pledging 12 grams at PNB on the same morning can walk out with very different amounts: the metal is identical, the workmanship is not.
PNB gold loan per gram for 22K, 20K and 18K gold
What your jewellery is made of decides the advance as much as what it weighs. Here is the per-gram figure at each purity PNB will accept.
| Purity | Value per gram | Per gram at 85% tier | Per gram at 75% tier | Accepted at PNB? |
|---|---|---|---|---|
| 24K | ₹14,163 | ₹12,039 | ₹10,622 | Bank-issued coins only, 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 — PNB's usual floor |
What you own decides this more than what you choose. <strong>22K</strong> covers the bulk of Indian household gold and carries the 916 stamp; <strong>18K</strong> sits at PNB's usual acceptance floor and is common in the pieces that also lose the most weight to stones.
<strong>24K</strong> is worth the most per gram but is the least useful collateral in practice: PNB takes coins rather than jewellery or bars, usually only bank-issued ones, and caps the quantity. If your holding is 24K bars, expect to need a different instrument entirely.
Gold rate vs gold loan per gram: why they are not the same number
Value and advance move together but are never equal. ₹12,973 per gram of 22K today; ₹11,027 per gram of borrowing against it. That spread is what protects the lender when the price falls.
PNB re-reads the price daily, so your pledge does too. The past month's ₹1,048 per gram decline is worth about ₹816 per gram of 22K in advance terms — meaning a pledge taken near the top of the market may be closer to its margin threshold than when it was written.
This cuts both ways, and the unpleasant direction is the one to size for. Borrow at the ceiling and a modest price fall puts you in margin-call territory at PNB; borrow below it and the same fall is a non-event. Our auction risk calculator shows the price at which the question would arise on your own pledge.
How much can PNB lend against your gold?
Between the LTV tier, PNB's ₹25,000–₹25 lakh band and your own appetite for risking the locker, the binding constraint is rarely the one borrowers expect.
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. 12-month base tenure forces annual renewal ritual (fee + visit)
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: Sealed-packet, dual-custody strongroom storage with entries in the bank’s pledge register; the appraiser seals in your presence. PNB’s 12-month structure means most borrowers touch the packet annually at renewal — verify seals then, not just at final release.
A worked case from PNB's own territory: A retired teacher in Bathinda funding a granddaughter’s admission deposit within 48 hours, choosing PNB over the neighbourhood NBFC purely on the 10-plus-point rate difference.
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.
PNB per-gram advance with the interest column attached
| Purity | Max advance/g | Interest/g/mo @ 8.75% | @ 9.25% |
|---|---|---|---|
| 24k | ₹10,622 | ₹77 | ₹82 |
| 22k | ₹9,730 | ₹71 | ₹75 |
| 20k | ₹8,848 | ₹65 | ₹68 |
| 18k | ₹7,967 | ₹58 | ₹61 |
*Indicative national reference, updated 2026-10-25; 24k coins/bars face quantity limits at banks. PNB's scheme LTVs may sit below the cap.
PNB's appraiser will land under these ceilings once stones and assessed purity speak — but the interest columns travel intact: whatever advance prints, the 8.75%–9.25% band converts it to ₹71–₹75 per gram per month.
What changes between this page and PNB's branch
At PNB, per-gram generosity and rate move inversely across schemes: the counter quoting nearest this table's maximum is also quoting nearest 9.25%. Say what you actually need and let the scheme fit it.
PNB's signature structure here is PNB Gold Loan (EMI/demand): Standard pledge lending for consumption needs with EMI or demand-loan servicing — the workhorse product at north-Indian branches.
If your need is under ₹2.5 lakh, the 2026 tiering works for you — up to 85% LTV there (80% to ₹5 lakh), versus the 75% governing bigger pledges. Worth raising at PNB's counter on small tickets; irrelevant above ₹5 lakh.
PNB गोल्ड लोन — हिंदी में जानकारी
आज PNB 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।
PNB गोल्ड लोन प्रति ग्राम — अक्सर पूछे जाने वाले सवाल
PNB एक ग्राम सोने पर कितना लोन देता है?
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PNB gold loan — FAQs
How much does PNB 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 PNB?
Can I get more than 75% of my gold's value as a loan?
PNB vs an unsecured loan: check both sides
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