How much loan can I get on 10 grams of gold?▼
At today's rate, 10 grams of 22K gold is valued at ₹.... Banks lend up to 75% of this value, so you can get approximately ₹... as a gold loan.
What is the gold loan interest rate at SBI?▼
SBI gold loan interest rates start from 8.65% per annum (as of 2026). Rates may vary based on the loan amount, tenure, and your relationship with the bank.
Can I get a gold loan on 24K gold?▼
Yes, but banks typically value all gold at 22K rate for loan purposes. So 24K gold doesn't get a higher loan amount — the extra purity doesn't increase your loan eligibility.
What happens if I can't repay my gold loan?▼
If you default, the lender can auction your pledged gold after giving notice. The auction proceeds are used to recover the loan amount, interest, and penalties. Any surplus is returned to you.
Which is better — bank gold loan or NBFC gold loan?▼
Banks (SBI, HDFC) offer lower interest rates (8-10%) but slower processing. NBFCs (Muthoot, Manappuram) offer instant disbursement (within 30 minutes) but higher rates (10-24%). Choose banks for large amounts, NBFCs for urgent needs.