Punjab National Bank (PNB) vs Cosmos Co-operative Bank Gold Loan · Interest Rate Today
Updated 18 Jul 2026 · per gram at 22K ₹13,135/g
PNB
Punjab National Bank (PNB)
8.95%from · p.a.
vs
CCB
Cosmos Co-operative Bank
8.50%from · p.a.
On a ₹1 lakh gold loan for a year, Cosmos Co-operative Bank is the cheaper choice — about ₹450 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
8.95%
8.50%
Loan per gram (22K)at ₹13,135/g
₹11,165
₹9,851
Max LTVRBI cap 85%
85%
75%
Processing feeon loan amount
0.3%
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.
Punjab National Bank (PNB) gold loanFull rates, per-gram & eligibility
Cosmos Co-operative Bank gold loanFull rates, per-gram & eligibility
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Punjab National Bank (PNB) vs Cosmos Co-operative Bank · FAQs
Which is cheaper, Punjab National Bank (PNB) or Cosmos Co-operative Bank gold loan?
On a ₹1 lakh loan for a year, Cosmos Co-operative Bank works out cheaper by about ₹450 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, Punjab National Bank (PNB) lends up to about ₹11,165/g (85% LTV) and Cosmos Co-operative Bank up to about ₹9,851/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.