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

PNB can advance up to about ₹8,134 per gram of 22k on today's ₹11840/g reference (updated 2026-09-01, 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.

PNB per-gram advance with the interest column attached

PurityMax advance/gInterest/g/mo @ 8.75%@ 9.25%
24k ₹8,880 ₹65 ₹68
22k ₹8,134 ₹59 ₹63
20k ₹7,397 ₹54 ₹57
18k ₹6,660 ₹49 ₹51

*Indicative national reference, updated 2026-09-01; 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 ₹59–₹63 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.

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PNB gold loan — FAQs

How much does PNB 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 PNB's 8.75% floor costs about ₹59/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 PNB?
Daily, in practice: each morning's bullion price becomes each counter's per-gram sheet, and this page's reference re-stamps with it (currently 2026-09-01). The pleasant corollary of a rising month — your already-pledged gold may support a top-up without fresh ornaments; asking costs nothing.
Can I get more than 75% of my gold's value as a loan?
Only in the small-ticket tiers: the 2026 RBI directions allow 85% LTV up to ₹2.5 lakh and 80% up to ₹5 lakh, with 75% governing everything larger. A counter promising more than the tier allows isn't generous — it's either misquoting or operating outside regulation, and both are exits.
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