Bandhan Bank vs Bank of India Gold Loan · Interest Rate Today
Updated 19 Jul 2026 · per gram at 22K ₹13,135/g
BB
Bandhan Bank
10.99%from · p.a.
vs
BOI
Bank of India
8.60%from · p.a.
On a ₹1 lakh gold loan for a year, Bank of India is the cheaper choice — about ₹2,390 less in interest at today's advertised rates. Bigger loan, bigger the gap.
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Side by side · today
Interest ratep.a. onward
10.99%
8.60%
Loan per gram (22K)at ₹13,135/g
₹11,165
₹11,165
Max LTVRBI cap 85%
85%
85%
Processing feeon loan amount
No hidden fees
Up to Rs 1,500
Tenurerepayment window
3–24 mo
36 mo
Disbursaltime to cash
Same day
Same day
Lender type
Private bank
Public bank
Green tick marks the better value in that row. Rates, fees and LTV are the lenders' advertised figures — your actual offer depends on loan size, tenure and valuation. Verify before applying.
Bandhan Bank gold loanFull rates, per-gram & eligibility
Bank of India gold loanFull rates, per-gram & eligibility
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Bandhan Bank vs Bank of India · FAQs
Which is cheaper, Bandhan Bank or Bank of India gold loan?
On a ₹1 lakh loan for a year, Bank of India works out cheaper by about ₹2,390 in interest at today's advertised rates. Your exact cost depends on loan size, tenure and any processing fee.
How much gold loan per gram do they give?
At today's 22K rate of ₹13,135/g, Bandhan Bank lends up to about ₹11,165/g (85% LTV) and Bank of India up to about ₹11,165/g (85% LTV) — before the RBI tier step-down on larger loans.
Do gold loan rates change?
Yes. Both the interest rate and the per-gram loan value move — the rate when the lender revises it, and the per-gram amount daily with the gold price. This page uses today's figures.
Rates, fees and terms are indicative and set by each lender at application — verify with the bank before you apply. RatesToday is not a lender or a SEBI/RBI-registered adviser and is not affiliated with any bank; this is general information, not financial advice.