South Indian Bank Gold Loan Per Gram: Purity-Wise Advance on Today's Price

South Indian Bank 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 9%–10.5% scheme band.

Everything here is indicative, published for comparison — BankCreds lends nothing; verify live rates, charges and eligibility with the lender before acting.

The South Indian Bank gram table: ceiling, and the monthly meter on it

Purity	Max advance/g	Interest/g/mo @ 9%	@ 10.5%
24k	₹8,880	₹67	₹78
22k	₹8,134	₹61	₹71
20k	₹7,397	₹55	₹65
18k	₹6,660	₹50	₹58

*Indicative national reference, updated 2026-09-01; 24k coins/bars face quantity limits at banks. South Indian Bank's scheme LTVs may sit below the cap.

Grams convert to rupees twice here: once as South Indian Bank's advance (≈₹8,134/g for 22k today) and monthly as interest — ₹61 to ₹71 per gram depending on scheme. Multiply by your lot before the counter does.

What changes between this page and South Indian Bank's branch

Treat ₹8,134/g as the ceiling South Indian Bank 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 SIB Gold Loan. Straightforward Kerala-style pledge lending in a tight band — few surprises, brisk counters, honest slabs.

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 ₹10,000-sized loan at South Indian Bank can out-advance this 75% table. Larger tickets live under the cap, no exceptions.

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South Indian Bank gold loan — FAQs

How much does South Indian Bank give per gram of 22k gold today?

Start from ₹8,134/g — the 22k maximum today's cap allows — then let South Indian Bank's scheme LTV (priced 9%–10.5%) and the assay adjust downward. Ten clean grams ceiling near ₹81,340, carrying ₹661 of monthly interest at the mid-scheme; stones and lower purity take it from there.

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 South Indian Bank?

Effectively yes — advances track gold prices, and lenders refresh internal per-gram guidance daily (this page's reference updated 2026-09-01). A rising market can also raise eligibility on already-pledged gold, which several lenders convert into top-up offers on request.

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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