SBI Gold Loan Per Gram Today, 26 October 2026: How Much Loan for 1 Gram of Gold?
SBI 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%–9.6% scheme band.
Indicative figures for comparison only. BankCreds is not a lender — the bank or NBFC’s current schedule and your Key Fact Statement are the binding numbers.
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SBI 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 SBI on a small pledge.
SBI 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.
Published per-gram figures, this page's included, hide something: <strong>the advance per gram is not constant</strong>. Larger pledges get proportionally less, 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.
SBI then applies its own scheme rules inside that ceiling. It lends from ₹20,000 to ₹50 lakh, over up to 36 months (scheme-wise), at an indicative 8.75%–9.6%. Holding cost follows the advance: each gram of 22K pledged meters roughly ₹80 to ₹88 a month in interest depending on the scheme.
SBI gold loan amount for 1g, 5g, 10g, 20g, 50g and 100g
Six common pledge weights, priced at today's 22K reference. The column worth reading is the per-gram one — it is not constant, which is the single most misunderstood thing about gold lending.
| Gold (22K) | Value | LTV tier | Loan amount | Effective per gram | Interest/month | At SBI? |
|---|---|---|---|---|---|---|
| 1 gram | ₹12,973 | 85% | ₹11,027 | ₹11,027 | ₹80–₹88 | Below ₹20,000 minimum |
| 5 grams | ₹64,865 | 85% | ₹55,135 | ₹11,027 | ₹402–₹441 | Within limits |
| 10 grams | ₹1,29,730 | 85% | ₹1,10,271 | ₹11,027 | ₹804–₹882 | Within limits |
| 20 grams | ₹2,59,460 | 85% | ₹2,20,541 | ₹11,027 | ₹1,608–₹1,764 | Within limits |
| 50 grams | ₹6,48,650 | 75% | ₹4,86,488 | ₹9,730 | ₹3,547–₹3,892 | Within limits |
| 100 grams | ₹12,97,300 | 75% | ₹9,72,975 | ₹9,730 | ₹7,095–₹7,784 | Within limits |
Interest column spans SBI's 8.75%–9.6% 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.
SBI's own floor bites before the regulatory one does: it will not write a loan under ₹20,000, 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 ₹50 lakh ceiling is high enough that weight, not the lender, is your binding constraint.
SBI gold loan per gram calculator
SBI 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 SBI 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 SBI's appraiser will be.
SBI gold loan interest rates →
Gold loan EMI calculator →
Today's gold rate, city-wise →
How SBI calculates gold loan per gram
Between the jewellery you hand over and the amount SBI writes, four things happen. Only the last is regulatory; the first three are judgement.
- 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. The karat that matters is the measured one. Hallmarked pieces pass predictably, older work does not always, and there is no appeal from the appraiser's reading at the counter.
- Value at SBI'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 SBI: 22 grams of hallmarked 22K with 1.5 grams of stones. Net metal 20.5 grams, pure gold 20.5 × 0.916 = 18.8 grams, value at ₹14,163 per gram is about ₹2,65,953. That falls in the 85% tier, so the advance is roughly ₹2,26,060 — about ₹10,275 per gram of what you actually handed over, once the stones are accounted for.
Note the difference between the two per-gram figures above: one against pure content, one against the ornament you actually carried in. The second is what your loan divides by, and it is always the smaller.
SBI 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 SBI will accept.
| Purity | Value per gram | Per gram at 85% tier | Per gram at 75% tier | Accepted at SBI? |
|---|---|---|---|---|
| 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 — SBI's usual floor |
Nearly every Indian ornament you might pledge at SBI is <strong>22K</strong>, which is what a 916 hallmark certifies. Below that, <strong>20K</strong> turns up in older and regional work and <strong>18K</strong> mostly in studded designs — where the lower purity and the stone deduction compound against you.
<strong>24K</strong> is worth the most per gram but is the least useful collateral in practice: SBI 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
Two different numbers, routinely confused: market value per gram, and advance per gram. SBI advances against the first but is capped well below it — ₹12,973 of 22K value supports ₹11,027 of borrowing on a small pledge, less on a large one.
Because the advance is a fraction of price, it inherits every price move. The last 30 days have taken 24K down ₹1,048 a gram, which works through to about ₹816 a gram of 22K borrowing power — 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 SBI; 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 SBI lend against your gold?
Your maximum is whichever binds first: RBI's tier, SBI's own ₹20,000–₹50 lakh range, or the amount of jewellery you are actually prepared to part with. For most households it is the third.
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. Branch process: valuation queues and paperwork measured in hours, not minutes
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: Ornaments seal into tamper-evident packets in dual custody and sit in branch strongrooms — the same vaults that hold the bank’s own cash. Release follows closure the same day at most branches; insist on opening the sealed packet and verifying items before signing the release register.
A worked case from SBI's own territory: A Chennai household bridging a ₹6 lakh hospital deposit overnight: the family gold raises it at sub-10% while the insurance reimbursement crawls, cheaper than any personal loan quote they held.
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.
Gram-level math for SBI: advance and carrying cost
| Purity | Max advance/g | Interest/g/mo @ 8.75% | @ 9.6% |
|---|---|---|---|
| 24k | ₹10,622 | ₹77 | ₹85 |
| 22k | ₹9,730 | ₹71 | ₹78 |
| 20k | ₹8,848 | ₹65 | ₹71 |
| 18k | ₹7,967 | ₹58 | ₹64 |
*Indicative national reference, updated 2026-10-25; 24k coins/bars face quantity limits at banks. SBI's scheme LTVs may sit below the cap.
SBI'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%–9.6% band converts it to ₹71–₹78 per gram per month.
What changes between this page and SBI's branch
Treat ₹9,730/g as the ceiling SBI prices down from, not a promise it prices at — scheme LTVs, assessed purity and stone deductions all pull the printed number lower, while your scheme choice sets the rate meter beside it.
Worth knowing before you go: the board leads with SBI Personal Gold Loan. The standard EMI-style product: pledge, disburse, repay monthly. Suits salaried borrowers who want gold-loan pricing with personal-loan discipline.
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 ₹20,000-sized loan at SBI can out-advance this 75% table. Larger tickets live under the cap, no exceptions.
SBI गोल्ड लोन — हिंदी में जानकारी
आज SBI 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।
SBI गोल्ड लोन प्रति ग्राम — अक्सर पूछे जाने वाले सवाल
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22 कैरेट, 20 कैरेट और 18 कैरेट सोने पर कितना-कितना लोन मिलता है?
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SBI gold loan — FAQs
How much does SBI 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 SBI?
Can I get more than 75% of my gold's value as a loan?
Is SBI's counter your best move?
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