PNB Gold Loan Per Gram

PNB Gold Loan Per Gram is ₹ 72,800 to ₹ 78,350

PNB Gold Loan Per Gram Today	Gold Loan Rate Per Gram Today is ₹ 72,800 to ₹ 78,350
Eligible Age	18 to 75 years
Loan Amount Eligibility	Rs. 1,000 to Rs. 2 Cr
Documents Required	Basic KYC documents for address and identity proof. No income documents and no CIBIL score documents are required.
Purity of Gold	18 carat to 22 carat
Type of Gold	Gold jewellery and gold coins of 18-24 carats
Margin in Gold Loan for the Bank	25% of the gold ornament’s market value

PNB Gold Loan Per Gram Rate

Gold is possibly the most complimented metal in our country. That is, unlimited individuals own Gold as overhauls. All through the vast length, plans of Gold which were first purchased as a custom in our nation, areas of now bought as security that can be traded or ensured in the midst of bother. Thusly, this is the motivation driving why the assistance of Gold Loan has gotten one of the speediest making affiliations rather than other cash-related things.

Is it valid that you are going toward any cash-related emergencies? Or, of course, you are discovering bothers in dealing with your gradual necessities? On the off chance that yes! At that point, beat these issues by utilizing your gold updates lying inactive at home for profiting a gold credit. To profit from a Gold Loan, you need to place plans of Gold in the bank as security as a trade-off for cash. Right when you reimburse the progress outright, the up-and-comer is offered back the pearls in a similar shape. Furthermore, Gold Loan is surprisingly stood separated from other cash-related affiliations open keeping watch, because of the low Gold Loan Interest Rate.

What is a PNB Gold Loan?

You need to get a Gold Loan, yet you are dealing with an issue in-game plan; what proportion of the extent of Gold Loan can profit with the proportion of Gold you are having? On the off chance that certainly, you can clear this problem by understanding the whole Gold Loan can benefit each gram of Gold. The Gold Loan per Gram of various banks is point by point under.

Benefits of PNB Gold Loan

Gold improvement is consistently getting conceivably the most conspicuous credits. A touch of the chief highlights and positive conditions of Gold credits are as following:

• Speedier Processing: Gold credits are gotten advances, and advance help is poor upon gold upgrades. Just KYC records are needed for credit endorsing, and subsequently, controlling the movement is two or three hours. The red hot disbursal of the gold credit makes it a stunning choice if there should arise an occasion of a crisis.
• Multipurpose advance: Gold improvement is a multipurpose credit and can be used for different purposes like financing a wedding, mentoring, travel, buying contraptions, resuscitating a home, and some other clarification gave it is true.
• Low-advance fee: The interest on the gold improvement is in like way lower than other feeble credit decisions like individual advances. Banks and cash-related establishments give gold advances to significant regions like agribusiness at decline rates. This is called making an unexpected gold turn of events.
• Low getting ready and dispossession charges: Some banks don’t blame any overseeing for and prepayment charges on gold credits, and some low charge expenses and henceforth make it a reasonable choice.
• No check and credit rating: Banks and NBFCs, if all else fails, don’t consider and enquire about the section insistence and CIBIL score of a person. As such, if an individual doesn’t have a fixed remuneration and remarkable FICO appraisal, by then comparably, the individual can figure out some approach to manage to get a gold new turn of events.
• Adequately Accessible: Gold progress is reasonably open. Any individual over 18 years of age and who has Gold can pick gold advances self-regulating CIBIL history and pay.
• High Amount Eligibility: Gold costs are taking off, and the rising gold cost further assists borrowers with bettering the gold improvement rate per gram.

PNB Rate Per Gram by Gold Purity

Gold Purity	Gold Rate Per Gram- Average Of Past 30 Days	Highest Gold Loan Per Gram	Lowest Gold Loan Per Gram
22 carat	₹ 4,620	₹ 4,999	₹ 4,956
20 carat	₹ 3,939	₹ 4,178	₹ 3,795
18 carat	₹ 3,545	₹ 3,784	₹ 3,460

The above table shows the method by which Banks will calculate your per gram gold loan for gold of varying purity.

• Gold loan per gram offer for 22-carat jewelry will be between ₹ 4,620 to ₹ 4,956
• Gold loan per gram offer for 20-carat jewelry will be between ₹ 3,795 to ₹ 4,178
• Gold loan per gram offer for 18-carat jewelry will be between ₹ 3,460 to ₹ 3,784

PNB Gold Loan Rates Per Gram

Updated - Gold Loan Per Gram Rate w.e.f Apr 30 2025
Gold Weight	Gold Purity 24 Carat	Gold Purity 22 Carat	Gold Purity 20 Carat	Gold Purity 18 Carat
1 gram	4621	4290	3900	3510
10 gram	46210	42900	39000	35100
20 gram	93600	85800	78000	70200
30 gram	140400	128700	117000	105300
40 gram	187200	171600	156000	140400
50 gram	234000	214500	195000	175500
100 gram	468000	429000	390000	351000
200 gram	936000	858000	780000	702000
300 gram	1404000	1287000	1170000	1053000
400 gram	1872000	1716000	1560000	1404000
500 gram	2340000	2145000	1950000	1755000

Historical Gold Loan Rates Per Gram 

This Table Contains the Average Annual Gold Rate from 1965 - 2022
Year	Price (24 karat per 10 grams)	Year	Price (24 karat per 10 grams)
2023	₹ 54,699	1994	₹ 4,598
2022	₹ 52,950	1993	₹ 4,140
2021	₹ 50,045	1992	₹ 4,334
2020	₹ 48,651	1991	₹ 3,466
2019	₹ 35,220	1990	₹ 3,200
2018	₹ 31,438	1989	₹ 3,140
2017	₹ 29,667	1988	₹ 3,130
2016	₹ 28,623	1987	₹ 2,570
2015	₹ 26,343	1986	₹ 2,140
2014	₹ 28,006	1985	₹ 2,130
2013	₹ 29,600	1984	₹ 1,970
2012	₹ 31,050	1983	₹ 1,800
2011	₹ 26,400	1982	₹ 1,645
2010	₹ 18,500	1981	₹ 1,800
2009	₹ 14,500	1980	₹ 1,330
2008	₹ 12,500	1979	₹ 937
2007	₹ 10,800	1978	₹ 685
2006	₹ 8,400	1977	₹ 486
2005	₹ 7,000	1976	₹ 432
2004	₹ 5,850	1975	₹ 540
2003	₹ 5,600	1974	₹ 506
2002	₹ 4,990	1973	₹ 279
2001	₹ 4,300	1972	₹ 202
2000	₹ 4,400	1971	₹ 193
1999	₹ 4,234	1970	₹ 184
1998	₹ 4,045	1969	₹ 176
1997	₹ 4,725	1968	₹ 162
1996	₹ 5,160	1967	₹ 103
1995	₹ 4,680	1966	₹ 84
1994	₹ 4,598	1965	₹ 72

Major Banks Gold Loan Per Gram Rate Comparison

Feature	Manappuram	Axis Bank	Yes Finance
Interest Rate	9.90%	12.50%	9.99%
Min Loan Amt	Metro : 25000, Non : 15000	25000	15000
Max Loan Amt	1 Cr	1 Cr	1 Cr
Loan Tenure	3 months to 24 months	9 months to 24 months	1 month to 24 months
Processing Fee	0.25% to 1.50% of the Loan Amt	0.25% to 1.50%	Nil
Preclosure Chgs	2%, Nil foreclosure charges after 3 months	2%, Nil foreclosure charges after 9 months	Nil
Overdraft Facility	Yes	Yes	Yes
Pay Only Interest Facility	Yes	Yes	Yes
Gold Rate Per Gram	3,124	3,073	3,069

Types of PNB Gold Loan Interest Rates

Gold improvement advance costs get across the bank to moneylenders. Regardless, the figuring of Gold credit depends on two rate types if all else fails, as recorded follows:

• Fixed-speed of interests: The speed of interest charged on the credit whole stays clear all through the improvement residency. As necessities are, the Gold sees EMI other than stays as before all through the reimbursement plan.
• Floating speed of revenue: The gold improvement rate isn’t fixed and stays variable. For the current condition, the credit cost is related to the bank’s external benchmarks, for example, Repo Linked Lending Rate (RLLR) or Prime Lending Rate (PLR). In like way, recognize costs continue to change for money-related conditions. In like way, since the rate isn’t fixed, the EMI on Gold credit may augment or decrease incredibly.
• The clarification behind Lending: The financing cost on Gold acknowledged is in addition picked as the motivation driving progressing. Banks dependably offer a lower speed of pay for green gold credits, offered to ranchers and individuals occupied with agribusiness to meet their making costs.
• Agrarian Gold Loans: These are induces related with ranchers and agriculturists against gold embellishments to give them money to change creation costs and theory reason being created or bound together doing works out.

How to Apply for a PNB Gold Loan?

On the off chance that you will apply for PNB Gold Loan, here are two different ways-

Offline Process-

To profit from a Gold Loan, you ought to find the nearest piece of the PNB. At the point when you visit the bank, you can take the help of the staff to apply for a gold credit.

Online Process-

You can apply for a gold development with Dialabank by following the underneath referred to steps to get a Gold Loan as indicated by your need.

• Visit Dialabank’s site. You should fill a design with no enlistment.
• Our Relationship Manager will contact you and help you through the Gold Loan collaboration and guide you in fulfilling your financial prerequisites.
• You will get a modified organization that will allow you to differentiate and accept the best game plan as demonstrated by your necessities with no extra charges.

PNB Gold Loan Customer Care Number

Customers can contact the Gold Loan customer care through any of the going with strategies:

• By Phone: You can approach 9878981166 (complementary)
• Callback Request: You can similarly request a return by visiting the bank’s site
• Online Chatbot: You can moreover get your inquiries answered by the iPal chatbot on the web
• Branch Visit: You can visit the nearby PNB office to get your inquiries.

FAQs About PNB Gold Loan Per Gram

✅ What is today’s gold loan rate per gram?

The gold loan rate per gram for today is Rs. ₹ 4,676.

✅ Does a gold loan have any specific eligibility requirements?

The qualification models for a gold credit is as per the following:

• the candidate ought to be between 18 to 70 years, at the hour of credit development
• the candidate or his/her relative should possess Gold of 18 to 22 carats
• the candidate ought to be an Indian inhabitant.

✅ Why are gold loans better?

Gold advances are just about as better as:

• They don’t depend upon the competitor’s record
• they don’t demand a base compensation
• they needn’t bother with a ton of documentation
• they are secure and, in this way, more affordable

✅ What documents do I need for a gold loan? 

Only the basic KYC documents such as identity proof, address proof, signature proof, and 2 photos of the applicant.

✅ Should I worry about my Gold?

Not at all. Your pledged Gold is safely kept in the banks’ lockers according to the national standards. Electronic surveillance technologies are also deployed, along with well-trained staff.

✅ How do I repay my gold loan?

In the wake of benefiting from a gold advance, you should make month-to-month EMI instalments to the banks till the culmination of the advance residency, a disappointment of which would influence your FICO assessment contrarily. These instalments can be made through money/DD/check or even online exchanges.

✅ What is LTV in a loan against Gold?

LTV is Loan Value Ratio, and it is fundamentally the measure of advance you can get against Gold as security. In India, LTV for a credit against Gold is set at 75% by RBI for all the banking and non-banking monetary organizations. For instance, if your Gold is esteemed at Rs. 1 Lakh in the market, then at 75% LTV, you can profit from the greatest advance measure of Rs. 75,000.

✅ How much loan can I get on 10 grams of Gold?

Depending upon the purity of Gold, a person can avail of a loan amount between Rs.18,500 and Rs. 27,000 on 10 grams of Gold.

✅ What is the margin in a loan against Gold?

Banks keep an edge of in any event 25% on account of credits against Gold. That is, an individual can benefit from a limit of 75% of their Gold’s fairly estimated worth as the advance sum. For instance, if your Gold is esteemed at Rs. 1 Lakh in the market at that point, banks will offer you the greatest credit measure of Rs. 75,000.