Future Capital Gold Loan Per Gram


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    Future Capital Gold Loan Per Gram

    Future Capital Gold Loan Per Gram Today is ₹ 2,900 to ₹ 3,450

    Gold Loan Per Gram Today Gold Loan Rate Per Gram Today ₹ 2,900 to ₹ 3,450
    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 jewelry and gold coins of 18-24 carats
    Margin in Gold Loan for the Bank 25% of the gold ornament’s market value

    About Future Capital Gold Loan Per Gram Rate

    Gold was owned by every household. Gold, which was initially bought as a tradition in our country is being purchased as security so that one can exchange or pledge them in times of financial need. This is why the Gold Loan facility has risen as one of the most important services as compared to any of the other services that are provided to us.

    If you are having some financial issues, you can apply for a gold loan submitting your gold to the bank. To apply for a gold loan, you have to submit your ornaments as collateral to the bank in exchange for money. Once you repay the loan amount, the bank will return the jewelry.

    What is a Future Capital Gold Loan?

    The Future Capital Gold Loan is a service that is provided by Future Capital where one can use the gold in their possession to apply for a gold loan and fulfil their needs. The Future Capital also allows one with many benefits and rates of interest that anyone can afford.

    Benefits of a Future Capital Gold Loan

    Gold loans have become very common due to the benefits that it provides. Some of the advantages of gold loan are as following:

    • The loans are processed very fast and they don’t need any documentation. The fast disbursal of the gold loan also makes it an ideal choice.
    • A gold loan can be used for any purpose whatsoever.
    • The interest rate decided by the bank for a gold loan is extremely low and affordable for anyone who needs cash.
    • Most banks don’t charge any kind of prepayment charges on gold loans although some banks might charge some amount.
    • Banks and non-banking financial companies don’t require the CIBIL score of a person to approve a loan.
    • Gold loans are accessible to anybody who is above the age of 18 who can apply for a gold loan.
    • The cost of gold increasing, and the rising gold cost has been further assisting borrowers with bettering gold advance rate per gram.

    Types of Future Capital Gold Loan Interest Rates

    The various types of gold loans provided by the Future Capital are:

    • Fixed-rate of interests:  The rate of interest in such loans stays the same throughout the loan tenure.
    • Floating rate of interest: The interest rate of the gold loans isn’t static and keeps changing. In such a loan, the loan cost is related to the outside benchmarks that are decided by the bank. Since the rate isn’t fixed, the EMI on Gold credit might increase or decrease unexpectedly.
    • Reason for Lending: The interest rate on gold loans is usually founded on the motivation behind loaning. The banks normally offer a lower pace of revenue for any kind of horticultural gold credit.
    • Non-Agricultural Gold Loans: Loans stretched out to anyone who is not an agriculturist are known as nonfarming gold advances. These loans are accessible to all people such as salaried, independently employed experts, financial specialists, ladies, females, housewives, understudies, etc.

    How to Apply for a Future Capital Gold Loan?

    If you want to apply for a Gold Loan, you can do it in two ways:

    Offline Process

    To avail of a Gold Loan, you can find the nearest branch of the Future Capital Bank and ask the staff for help.

    Online Process

    You can apply for a gold loan with Dialabank by following the steps mentioned below to get a Gold Loan as per your need.

    • Fill out the registration form at Dialabank’s website.
    • Our Relationship Manager will contact you and help you through the process.
    • You will get personalized service, which will give you the option to compare and take the best deal according to your needs without any extra charges.

    Gold Loan Calculator Future Capital

    Future Capital Gold Loan Per Gram

    The Gold Loan Calculator at Dialabank determines the amount of a gold loan based on the following criteria.

    • The purity and net weight of gold in your jewellery can be measured by a bank surveyor in-house. The jewellery must be made of gold that is 18 to 24 carats pure.
    • To measure the relative weight, the bank will subtract the diamond and stone weights from the total weight of the jewellery.
    • The purity and net weight of gold in your jewellery is multiplied by the current gold price to determine its worth.
    • The bank would use a loan-to-value (LTV) of up to 75% to determine the loan balance.

    Future Capital Gold Loan Rate Per Gram by Gold Purity

    The Future Capital offers gold loans per gram at affordable interest rates that differ according to the amount borrowed.

    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

    Future Capital Gold Loan Rates Per Gram

    Updated - Gold Loan Per Gram Rate w.e.f Dec 06 2022

    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)
    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

    Gold Loan Per Gram Rate Comparison for Major Banks

    Feature HDFC Bank SBI
    Muthoot Finance
    Interest Rate 9.90% onwards 7% onwards 12% onwards
    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
    Pre-closure Charges 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 3066 3073 3073

    Tips to getting Best Gold Loan Amount Per Gram from Future Capital

    • The bank accepts both hallmarked and non-hallmarked jewellery for gold loan.
    • You will get the most money on a gold loan if you borrow against higher purity jewellery.
    • The simplistic jewels are preferred, with the fewest diamonds and stones.
    • The Bank would not approve it if the gold used in the jewellery is less than 18-carat purity.
    • The RBI aids the bank in measuring the amount of gold debt you owe by using a net LTV of up to 75%.

    GOLD LOAN @ 0.49%*



    Example: The loan sum is determined by the purity of gold, the LTV, and the weight of gold. Assume Mr Ram and his two mates, Mr Kesav and Mr Ashwith, each own differing quantities of gold of various purity. Mr Ram owns 70 grammes of gold with an 18-carat purity. Mr Kesav has 60 grammes of gold that is 20 carats pure, while Mr Ashwith has 50 grammes of gold that is 22 carats pure. They apply for a gold loan. The price used to determine their gold loan sum eligibility based on a maximum LTV of 75% would vary depending on the purity of gold, resulting in different gold loan eligibility.

    Carats / Weight Of Gold Gold Weight (In Gm) Purity Of Gold (In Carat) Gold Loan Eligibility
    Mr Ram 70 18 ₹ 2.60 Lakhs
    Mr Kesav 60 20 ₹ 2.48 Lakhs
    Mr Ashwith 50 22 ₹ 2.27 Lakhs

    Mr Ashwith, who has the smallest gold weight of 50gm, will receive the lowest gold loan rate of 2.27 Lakh from the Bank, as seen in the illustration above. Since Mr Ram has more gold weight, the Bank will give him the highest gold loan sum of Rs 2.60 lakh in the same example.

    Future Capital Gold Loan Customer Care Number

    The Future Capital Gold Loan customer care number is 9878981166

    FAQs About Future Capital Gold Loan Per Gram

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

    The gold loan rate per gram is Rs. 4,676 for 24-carat gold, Rs. 4,373 for 22-carat gold, Rs. 3,975 for 20-carat gold and Rs. 3,578 for 18-carat gold.

    ✅ Does a gold loan have any specific eligibility requirements?

    The eligibility criteria for a gold loan is as follows:

    1. the applicant has to be between 18 to 70 years, at the time of loan maturity
    2. the applicant or his/her family member should own gold ranging between 18 to 22 carats
    3. the applicant should be an Indian resident.

    ✅ Why are gold loans better?

    Gold loans are as better if:

    1. They do not depend on the applicant’s credit history and cibil score.
    2. they do not need a minimum income
    3. they don’t require much documentation
    4. they are secure and hence cheaper

    ✅ What documents do I need for a gold loan? 

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

    ✅ Should I worry about my gold?

    As your pledged gold is safely kept in the banks’ lockers according to the national standards you have no reason to worry. Electronic surveillance technologies are also deployed, with well-trained staff.

    ✅ How do I repay my gold loan?

    After availing of a gold loan, you will have to make monthly EMI payments to the banks until the tenure is completed, a failure to do which would affect your credit score negatively. These payments can be made through cash/ DD/ cheque or even online transactions.

    ✅ What is LTV in a loan against gold?

    LTV is Loan to Value Ratio, which is basically the amount of loan you can get against gold as collateral. In India, LTV for a loan against gold is set at 75% by RBI for all the banking and non-banking financial companies.

    ✅ 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 maintain a margin of at least 25% in the case of loans against gold. If a person can avail a maximum of 75% of their gold’s market value as the loan amount. For example, if your gold is valued at Rs. 1 Lakh in the market then banks will offer you a maximum loan amount of Rs. 75,000.