TATA Capital Gold Loan Per Gram

AT 0.49%* INTEREST RATE
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    TATA Capital Gold Loan Per Gram

    TATA Capital Gold Loan Per Gram rate is ₹ 2,900 to ₹ 3,450 

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

    TATA Capital Gold Loan Calculator:

    The Tata Capital gold loan calculator can be found here. The Tata Capital gold loan per gram will provide you with a gold loan based on a set of criteria, so here are some guidelines:

    • TATA Capital Gold Loan Per GramThe purity and net weight of gold in your jewellery will be determined using the purity and net weight of gold in your jewellery by the bank’s in-house valuer. The gold used in the jewellery should have a purity of 18 to 24 carats. The Tata Capital gold loan would remove the weight of diamonds and stones from the net weight of the jewellery to arrive at the net weight.
    • A normal chartered gold loan will examine your jewel loan amount eligibility using an LTV of up to 75% after calculating the value of your stones. If you are willing to take a loan amount that is less than your maximum LTV, Tata Capital gold loan per gram may be able to offer you a lower interest rate.
    • The Reserve Bank of India has recommended that banks use a 30-day average price of 22-carat gold that has been adjusted for purity. The Tata Capital gold loan increases the value if the gold is 20-carat pure by multiplying 20/22 by the 30-day average of 22-carat gold. Dialabank now includes an up-to-date gold rate calculator.

    Tata Capital Gold Loan Rate Per Gram by Gold Purity:

    The table below shows an estimate of the gold loan per gram that Tata Capital gold loan will issue against various purity levels of gold jewellery at a maximum LTV of 75 percent and a lesser LTV of 65 percent.

    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

    Tata Capital Gold Loan Rates Per Gram:

    The purity is also taken into account while calculating the Tata Capital gold loan per gram. The overall weight will be reduced by any extra stones, gems, or metals connected to the gold jewellery. A loan sum of up to 70% of the current market value of your gold is frequently accepted. Banks will approve you for up to 90% of your loan if you are willing to pay a higher interest rate.

    Updated - Gold Loan Per Gram Rate w.e.f Jun 25 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

    Gold Loan Rates Per Gram History:

    Because gold prices fluctuate so often, the table below will offer you the most up-to-date gold rates so you can make informed investing decisions.

    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

    Comparison of Gold Loan Per Gram Rates by Major Banks:

    Here’s a table with all the details you’ll need to compare gold rates from the banks listed below:

    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 for Getting the Most Money from Tata Capital Gold Loan:

    • The Tata Capital gold loan per gram allows both hallmarked and non-hallmarked jewellery. You can get the greatest gold loan per gramme because the valuer is less inclined to undervalue hallmark jewellery. Furthermore, some financial institutions charge a lower processing cost for hallmarked gold jewellery.
    • The price of 22-carat gold is adjusted by the Tata Capital gold loan per gram to account for purity. Since a result, wherever possible, borrow against better purity jewellery, as this will get you the most money for a gold loan.
    • A plane that is frequently rented According to Bank Gold, the amount of a loan you can get against your gold is determined by the net weight of your jewellery. Choose jewellery with the fewest feasible jewels and stones. The majority of banks will deduct the weight of gems and stones from the total weight of the jewellery.

    TATA Capital Gold Loan Per Gram FAQs

    ✅ What is the TATA Capital Gold Loan scheme?

    TATA Capital 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 TATA Capital and other leading banks and non-banking financial companies. The current rate for TATA Capital Gold Loan Per Gram is ₹ 3,506 to ₹ 4,621.

     How much Gold Loan can I get per gram in TATA Capital?

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

    ✅ How is TATA Capital Gold Loan Per Gram calculated?

    The TATA Capital Gold Loan Per Gram amount depends upon the purity of one’s gold and the current market Gold Rate. TATA Capital 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.