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Standard Chartered Gold Loan Per Gram

Standard Chartered Gold loan per gram is ₹ 3,506 to ₹ 4,621

Gold Loan Per Gram Today Gold Loan Rate Per Gram Today is ₹ 3,506 to ₹ 4,621
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

With total assets of Rs. 2108 crore, Standard Chartered Bank is a foreign sector bank in India. Its headquarters are located in London. It has 100 branches and 2108193 ATMs in India.

Savings accounts, fixed deposits, recurring deposits, house loans, personal loans, vehicle loans, education loans, gold loans, PPF accounts, lockers, Net banking, mobile banking, RTGS, NEFT, IMPS, E-Wallet, Atal Pension Yojana, Pradhan Mantri Jandhan Yojana, Pradhan Mantri Suraksha Yojana, Pradhan Mantri Suraksha Yojana, Pradhan Mantri Suraksha Yojana Bima Yojana, Pradhan Mantri Jeevan Jyoti Bima Yojana, and more schemes are available.

Standard chartered gold loan Calculator:

The gold loan calculator is available at The Standard chartered gold loan will provide you with a gold loan based on a set of requirements, therefore here are some guidelines:

  • The purity and net weight of gold in your jewellery will be determined by the bank’s in-house valuer using the purity and net weight of gold in your jewellery. The gold used in the jewellery should be between 18 and 24 carats pure. To get at the net weight, The Standard chartered gold loan would subtract the weight of diamonds and stones from the net weight of the jewellery.
  • The Reserve Bank of India has directed banks to use the 30-day average price of 22-carat gold, adjusted for purity. If the gold is 20-carat pure, the Standard chartered gold loan will adjust the value by using the 30-day average of 22-carat gold multiplied by a factor of 20/22. Dialabank also includes a gold rate calculator that is up to date.
  • After estimating the value of your gems, a standard chartered gold loan would use an LTV of up to 75% to assess your jewel loan amount eligibility. Standard chartered gold loans may be able to offer you a cheaper interest rate if you are ready to take a loan amount that is less than your maximum LTV.

Standard chartered gold loan Rate Per Gram by Gold Purity:

The table below displays an estimate of the gold loan per gram that Standard chartered gold loan will issue against gold jewellery of various purity levels at a maximum LTV of 75% and a lower LTV of 65%.

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

Standard Chartered Bank Gold Loan Rates Per Gram:

For the purposes of valuation, the standard chartered gold loan also sees the purity. The weight of any other stones, gems, or metals fastened on the gold decorations will be deducted. The loan amount is usually accepted up to 70% of the current market value of your gold. Banks can accept you for up to 90% if you are willing to pay a higher interest rate. This changes depending on the gold borrowing programme of each bank.Standard charted Bank gold loan

Updated - Gold Loan Per Gram Rate w.e.f Jun 24 2021

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

History of Gold Loan Rates Per Gram:

We may see swings in gold pricing, thus the table below will show you current gold rates so you can invest properly.

This Table Contains the Average Annual Gold Rate from 1964 - 2021
Year Price (24 karat per 10 grams) Year Price (24 karat per 10 grams)
1964 ₹ 63.25 1993 ₹ 4,140.00
1965 ₹ 71.75 1994 ₹ 4,598.00
1966 ₹ 83.75 1995 ₹ 4,680.00
1967 ₹ 102.50 1996 ₹ 5,160.00
1968 ₹ 162.00 1997 ₹ 4,725.00
1969 ₹ 176.00 1998 ₹ 4,045.00
1970 ₹ 184.00 1999 ₹ 4,234.00
1971 ₹ 193.00 2000 ₹ 4,400.00
1972 ₹ 202.00 2001 ₹ 4,300.00
1973 ₹ 278.50 2002 ₹ 4,990.00
1974 ₹ 506.00 2003 ₹ 5,600.00
1975 ₹ 540.00 2004 ₹ 5,850.00
1976 ₹ 432.00 2005 ₹ 7,000.00
1977 ₹ 486.00 2006 ₹ 8,400.00
1978 ₹ 685.00 2007 ₹ 10,800.00
1979 ₹ 937.00 2008 ₹ 12,500.00
1980 ₹ 1,330.00 2009 ₹ 14,500.00
1981 ₹ 1,800.00 2010 ₹ 18,500.00
1982 ₹ 1,645.00 2011 ₹ 26,400.00
1983 ₹ 1,800.00 2012 ₹ 31,050.00
1984 ₹ 1,970.00 2013 ₹ 29,600.00
1985 ₹ 2,130.00 2014 ₹ 28,006.50
1986 ₹ 2,140.00 2015 ₹ 26,343.50
1987 ₹ 2,570.00 2016 ₹ 28,623.50
1988 ₹ 3,130.00 2017 ₹ 29,667.50
1989 ₹ 3,140.00 2018 ₹ 31,438.00
1990 ₹ 3,200.00 2019 ₹ 35,220.00
1991 ₹ 3,466.00 2020 ₹ 48,651.00
1992 ₹ 4,334.00 2021 ₹ 50,045.00

Comparing Major Banks’ Gold Loan Per Gram Rates:

Here is a table with all the details that will assist you with some information when comparing the gold rates of the following banks:

Feature
HDFC Bank
ICICI 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 for Getting the Most Money from Standard Chartered Bank gold loan:

  • For a gold loan, a Standard Chartered Gold Loan Per Gram accepts both hallmarked and non-hallmarked jewellery. For hallmark jewellery, however, you can get the greatest standard chartered gold loan per gram because the valuer is less likely to undervalue it. Furthermore, some banks offer a lower processing cost for hallmarked gold jewellery.
  • Standard Chartered Bank gold loan adjusts the price of 22-carat gold to account for purity. As a result, borrow against higher purity jewellery wherever possible, as this will fetch you the most money for a gold loan.
  • Typical chartered The net weight of your jewellery will be used by Bank Gold to determine the amount of loan you can acquire against your gold. Always choose jewellery with the fewest gemstones and stones possible. The weight of gems and stones will be deducted from the total weight of the jewellery by the majority of banks.