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ING Vysya Bank Gold Loan Per Gram

AT 0.75%* INTEREST RATE
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ING Vysya Bank Gold Loan Per Gram Today is ₹ 3,800 to ₹ 4,350

ING Vysya Bank Gold Loan Per Gram Today	Gold Loan Rate Per Gram Today is ₹ 3,800 to ₹ 4,350
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 jewelry and gold coins of 18-24 carats
Loan to Value	75% of the gold ornament’s market value

ING Vysya Bank Gold Loan Calculator

Some of the providers with a significant online presence offer gold loan calculators. These calculators are simple tools that allow you to experiment with loan amounts, repayment terms, and interest rates. The calculator gives you a sense of the actual financials of your transactions.

The following fields are present on a general gold loan calculator:

Loan amount – This is the total principal amount of the loan you are looking for or have already obtained.
Repayment tenure – The repayment tenure denotes the period over which you will repay the loan amount. You can choose the number of months you’d like to repay the loan.
Interest rate – The interest rate charged on your loan. This figure will differ from one provider to the next. All you have to do is enter the necessary information and press the submit button. You will be shown the monthly repayment amount as well as the breakdown of principal and interest amounts.

Check the current gold rate with Dialabank.

Gold Loan Rate Per Gram by Gold Purity

The table below provides an estimate of gold loan per gram. ING Vysya Bank will make an offer against gold jewellery of various purity levels with a maximum LTV of 75% and a lower LTV of 65%.

Gold Purity	Gold Rate Per Gram- Average Of Past 30 Days	ING Vysya Bank Best Gold Loan Per Gram	ING Vysya Bank Lowest Gold Loan Per Gram
22 carat	₹ 45,531	₹ 3,073	₹ 2,664
20 carat	₹ 41,392	₹ 3,073	₹ 2,421
18 carat	₹ 37,253	₹ 2,515	₹ 2,179

GOLD LOAN @ 0.75%*

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ING Vysya Bank Gold Loan Rates Per Gram

ING Vysya Bank offers a loan of ₹ 3,800 to ₹ 4,350 of gold based on current gold prices. The current ING Vysya Bank Gold Loan Rate per Gram is ₹ 3,800 to ₹ 4,350, with 22-carat dresses cut on the highest 90 percent LTV.

Updated - Gold Loan Per Gram Rate w.e.f Apr 26 2024
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

The chart below depicts the historical movement of gold prices in India:

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	HDFC Bank	Private Bank	Muthoot Finance
Interest Rate	9.90%	10.50%	12%
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	2500	2600	2700*

Tips to Get The Highest Gold Loan Amount from ING Vysya Bank

For a gold loan, ING Vysya Bank accepts both hallmarked as well as non-hallmarked jewellery. However, you can get the highest gold loan per gram for hallmark jewellery because it reduces the chances of the appraiser undervaluing it. Furthermore, some banks charge lower processing fees when purchasing hallmarked gold jewellery.
The price of 22-carat gold is adjusted by ING Vysya Bank based on the purity of the gold. As a result, always try to borrow against higher purity jewellery because it will get you the most money for a gold loan.
Always seek for the greatest LTV on the value of gold. The RBI allows Home Credit Bank to charge a maximum LTV of up to 75% to calculate the amount of gold loan you are eligible for.

Gold Loan News

What is a Sovereign Gold Bond (SGB)? Who issues these bonds?

Government securities denominated in grams of gold are known as SGBs. They serve as a substitute for physical gold. Investors must pay the issue price in cash, and the bonds must be redeemed in cash when they reach maturity. The Reserve Bank of India issues the bond on behalf of the Government of India.