Bank of India vs Jammu & Kashmir Bank Gold Loan · Interest Rate Today
Updated 30 Jul 2026 · per gram at 22K ₹13,230/g
BOI
Bank of India
8.60%from · p.a.
vs
J&K
Jammu & Kashmir Bank
10.25%from · p.a.
On a ₹1 lakh gold loan for a year, Bank of India is the cheaper choice — about ₹1,650 less in interest at today's advertised rates. Bigger loan, bigger the gap.
Advertisement
Side by side · today
Interest ratep.a. onward
8.60%
10.25%
Loan per gram (22K)at ₹13,230/g
₹11,246
₹9,923
Max LTVRBI cap 85%
85%
75%
Processing feeon loan amount
Up to Rs 1,500
9.75%
Tenurerepayment window
36 mo
12 mo
Disbursaltime to cash
Same day
1-2 days
Lender type
Public bank
Private 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.
Bank of India gold loanFull rates, per-gram & eligibility
Jammu & Kashmir Bank gold loanFull rates, per-gram & eligibility
Compare a different pair
vs
Bank of India vs Bank of Maharashtra
Bank of India vs Cosmos Co-operative Bank
Bank of India vs Indian Bank
Bank of India vs Maharashtra Gramin Bank
Bank of India vs SVC Co-operative Bank
Bank of India vs Jammu & Kashmir Bank · FAQs
Which is cheaper, Bank of India or Jammu & Kashmir Bank gold loan?
On a ₹1 lakh loan for a year, Bank of India works out cheaper by about ₹1,650 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 ₹13,230/g, Bank of India lends up to about ₹11,246/g (85% LTV) and Jammu & Kashmir Bank up to about ₹9,923/g (75% 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.