Buying, Selling & Borrowing
Gold Loan — Borrow Against Gold
LTV rules, eligible gold and how today’s rate decides your loan amount.
Rates as on 26 September 2026 · Updated 27 September 2026
Today’s 22K / 24K (Delhi)
₹14,095 / ₹14,800
per gram, excl. GSTOverview
Banks and NBFCs lend against gold jewellery and bank-sold coins. Under RBI directions effective 1 April 2026, the maximum loan-to-value (LTV) depends on loan size. Your eligible amount is based on the net gold weight, purity and the lender’s reference rate (usually the average 22K rate).
| Particular | Details |
|---|---|
| LTV up to ₹2.5 lakh | 85% |
| LTV ₹2.5–5 lakh | 80% |
| LTV above ₹5 lakh | 75% |
| Eligible | Jewellery and specified bank-sold coins (not bars) |
| Tenure | Typically up to 12 months (longer for EMI loans) |
Example
| Item | Value |
|---|---|
| Net weight | 20 g of 22K |
| Value at ₹14,095/g | ₹2,81,900 |
| Max loan (≤₹2.5 lakh → 85%) | Up to ₹2,39,615 |
Frequently asked questions
Can I get a loan against gold bars?
Generally no; jewellery and specified coins are accepted.
Gold rates are indicative market references (26 September 2026) and change during the day. Rules on tax, hallmarking and investment products can change — verify with official sources. FinancePortal does not sell gold.