Standard Chartered Gold Loan Per Gram

AT 0.49%* INTEREST RATE
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    Standard Chartered Gold Loan Per Gram

    Standard Chartered Gold loan per gram is ₹ 2,900 to ₹ 3,450

    Gold Loan Per Gram Today Gold Loan Rate Per Gram Today is ₹ 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 jewellery and gold coins of 18-24 carats
    Margin in Gold Loan for the Bank 25% of the gold ornament’s market value

     

    Standard Chartered Gold Loan Per GramSavings 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.

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

    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. Therefore, 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 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.

    Updated - Gold Loan Per Gram Rate w.e.f Jun 30 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

    History of Gold Loan Rates Per Gram:

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

    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

    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.
    • Bank Gold will use the net weight of your jewellery to determine the amount of loan you can acquire against your gold. Therefore, 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 most banks.

    Standard Chartered Gold Loan Per Gram FAQs

    ✅ What is Standard Chartered Gold Loan scheme?

    Standard Chartered gold loan is a scheme that provides a loan against your gold. Any person in need of quick lump sum money can avail of this facility that is offered by Standard Chartered and other leading banks and non-banking financial companies. The current rate for Standard Chartered Gold Loan Per Gram is ₹ 3,506 to ₹ 4,621.

     How much Gold Loan can I get per gram in Standard Chartered?

    Standard Chartered Gold Loan Per Gram Depends upon the weight and purity of your gold. Standard Chartered Gold Loan Per Gram ₹ 3,506 to ₹ 4,621.

    ✅ How is Standard Chartered Gold Loan Per Gram calculated?

    The Standard Chartered Gold Loan Per Gram amount depends upon the purity of one’s gold and the current market Gold Rate. Standard Chartered Gold Loan Per Gram interest rate is then calculated based on several factors: loan amount, loan tenure, relationship with the lender, and loan to value ratio.