Bank of Maharashtra vs Cosmos Co-operative Bank Gold Loan · Interest Rate Today
Updated 20 Jul 2026 · per gram at 22K ₹13,150/g
BOM
Bank of Maharashtra
8.50%from · p.a.
vs
CCB
Cosmos Co-operative Bank
8.50%from · p.a.
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Side by side · today
Interest ratep.a. onward
8.50%
8.50%
Loan per gram (22K)at ₹13,150/g
₹11,178
₹9,863
Max LTVRBI cap 85%
85%
75%
Processing feeon loan amount
Applicable charges + GST
Nil
Tenurerepayment window
36 mo
36 mo
Disbursaltime to cash
Same day
Same day
Lender type
Public bank
Cooperative 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 Maharashtra gold loanFull rates, per-gram & eligibility
Cosmos Co-operative Bank gold loanFull rates, per-gram & eligibility
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Bank of Maharashtra vs Cosmos Co-operative Bank · FAQs
Which is cheaper, Bank of Maharashtra or Cosmos Co-operative Bank gold loan?
Both advertise similar starting rates; the cheaper one depends on your loan size, tenure and processing fee. Use the figures above for your case.
How much gold loan per gram do they give?
At today's 22K rate of ₹13,150/g, Bank of Maharashtra lends up to about ₹11,178/g (85% LTV) and Cosmos Co-operative Bank up to about ₹9,863/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.