Cosmos Co-operative Bank vs Muthoot Finance Gold Loan · Interest Rate Today
Updated 30 Jul 2026 · per gram at 22K ₹13,230/g
CCB
Cosmos Co-operative Bank
8.50%from · p.a.
vs
MF
Muthoot Finance
10.90%from · p.a.
On a ₹1 lakh gold loan for a year, Cosmos Co-operative Bank is the cheaper choice — about ₹2,400 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
8.50%
10.90%
Loan per gram (22K)at ₹13,230/g
₹9,923
₹11,246
Max LTVRBI cap 85%
75%
85%
Processing feeon loan amount
Nil
Rs 100-1,000 (nominal)
Tenurerepayment window
36 mo
12 mo
Disbursaltime to cash
Same day
30 minutes
Lender type
Cooperative bank
NBFC
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.
Cosmos Co-operative Bank gold loanFull rates, per-gram & eligibility
Muthoot Finance gold loanFull rates, per-gram & eligibility
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Cosmos Co-operative Bank vs Muthoot Finance · FAQs
Which is cheaper, Cosmos Co-operative Bank or Muthoot Finance gold loan?
On a ₹1 lakh loan for a year, Cosmos Co-operative Bank works out cheaper by about ₹2,400 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, Cosmos Co-operative Bank lends up to about ₹9,923/g (75% LTV) and Muthoot Finance up to about ₹11,246/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.