Understanding Gold Loan Rate Per Gram As Per Gold Purity
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Understanding Gold Loan Rate Per Gram As Per Gold Purity

gold loan rate per gram

A gold loan may be a dependable option in times of financial difficulty or a pressing need for cash, giving access to funds swiftly and safely. The gold purity & weight of pledged jewelry directly impact the gold loan rate per gram and ROI. To get the highest value of your gold assets, it’s important to comprehend gold loan rates per gram. This thorough book seeks to make sense of this idea and provide you with the information you need to make wise choices.

What is the rate per gram for gold loans?

When you get a loan against gold jewelry, the loan amount depends on gold’s value. Gold rates are mapped in per gram or tola. Similarly, gold loan amounts are also decided by the per-gram rate of gold at that time.

Lenders use it as a metric to calculate how much to lend you depending on the weight and purity of your gold.

For example, if you pledge 10 grams of 22K gold jewelry and the gold rate per gram is ₹ 6500 for 22K gold. According to RBI guidelines, you can only get up to 75% loan of the total gold value. 

 So, for 10 grams, your loan amount at 6500 per gram gold rate will be 48,750 ₹ ( 6500*10/100*75). Please note, that the quality of your gold determines the rate per gram; more purity yields a higher rate, and lower purity yields a lower rate.

Gold purity plays a significant role in determining the loan value or rate per gram. Different karatages or purities of gold have distinct rates. For example, the most common purities are 22K and 18K gold. Typically, 22K gold may fetch high rates per gram compared to 18k gold. This difference in rates of loan amount is due to the varying gold content in each purity level.

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Factors Impacting the Rates on Gold Loans

  • Gold’s current market price: The gold loan rate per gram is directly dependent on market current market price for gold.
  • Policies of the lender: Rates per gram may somewhat vary depending on the rules and risk assessments of various lenders.
  • Area: Depending on the geographic area and state of the local market, rates may differ somewhat.

Benefits of a Gold Loan with Sahibandhu

Getting a loan against gold with SahiBandhu Fintech Services is easy and fast. Plus, you get a high value or rate per gram for your gold asset. Additionally, SahiBandhu being India’s largest gold loan aggregator platform, offers various benefits, mentioned below-
benefits of gold loan with sahibandhu

  • Lower Interest Rates: Sahibandhu offers low interest rates on gold loans, making it an economically viable solution compared to other conventional loans.
  • Multiple Bank Options: Sahibandhu has partnerships with India’s best banks for gold loansmultiple banks such as HDFC, Axis, ICICI, Kotak, and more, ensuring that you have access to the best gold loan options. You can choose your preferred bank for the gold loan, enhancing your flexibility and convenience.
  • Security of Gold Assets: While pledging gold assets, you are assured of the security of their valuables throughout the loan tenure.
  • Quick Processing: The secured nature of a loan against gold expedites the approval and disbursal process, ensuring that borrowers can address their financial needs promptly.
  • Zero paperwork: SahiBandhu makes acquiring the loan against gold easy as the whole process is digital, with no need for any physical paperwork. For documentation, you just need your PAN, address proof, and bank account details.
  • Flexible Repayment Options: Sahibandhu understands the diverse needs of borrowers and offers customized gold loan schemes.  This allows individuals to tailor their repayment plans according to their financial capabilities.
  • No Credit Score Requirement: Unlike other loans, Sahibandhu doesn’t rely on your credit score, making it accessible to a broader spectrum of individuals.


A high rate per gram is a crucial factor that directly impacts the loan amount you receive against your pledged gold. Sahibandhu understands the importance of this and offers high rates per gram, ensuring you get the best value for your assets. With a range of flexible options, minimal documentation requirements, and convenient services like balance transfer and refinance, Sahibandhu emerges as the ideal choice for your gold loan needs. Explore their gold loan options today and experience hassle-free access to funds backed by the security of your precious gold.

If you own gold assets and are considering a loan, choosing doorstep services can provide you with a seamless and efficient borrowing experience.

Apply for a gold loan 24/7 on www.sahibandhu.com, or call at 18003098440

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Frequently Asked Questions

Use the Gold Loan Calculator to know details like gold loan rate per gram, interest rates, and tenure. This tool facilitates informed decision-making by providing insights into monthly repayments and overall interest costs; for more assistance, you can contact our toll-free number 18003098440.

SahiBandhu stands out with multiple banks, competitive interest rates, quick processing, and flexible repayment options. Additionally, the reliance on gold assets as collateral ensures security throughout the loan tenure, making it a reliable choice for borrowers. Contact our representatives at 18003098440 or visit www.sahibandhu.com for a transparent and seamless journey.

Gold loans are secured and backed by gold holdings, often leading to lower interest rates. The interest rates are higher for other loans like personal, home, or educational loans. If you want a clear picture of a loan against gold and how to apply for it, contact the toll-free number 18003098440

About the Author

Understanding Gold Loan Rate Per Gram As Per Gold Purity

SahiBandhu is India's largest gold loan aggregator platform enabling people to access loans against gold around the country. We provide a one-stop solution for availing gold loans from multiple banks. We prioritize financial literacy, ensuring that borrowers understand the terms and benefits of obtaining a gold loan service.

Disclaimer: The information provided in this guide is intended for educational and informational purposes only. The rates per gram for gold loans and the terms associated with them can fluctuate significantly based on market conditions, lender policies, and regional factors. Users are encouraged to verify the current rates and terms directly.

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