Tata Capital vs Indian Bank Gold Loan · Interest Rate Today
Updated 18 Jul 2026 · per gram at 22K ₹13,135/g
TC
Tata Capital
10.99%from · p.a.
vs
IB
Indian Bank
8.50%from · p.a.
On a ₹1 lakh gold loan for a year, Indian Bank is the cheaper choice — about ₹2,490 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%
8.50%
Loan per gram (22K)at ₹13,135/g
₹11,165
₹11,165
Max LTVRBI cap 85%
85%
85%
Processing feeon loan amount
1%
0.25%
Tenurerepayment window
24 mo
3–36 mo
Disbursaltime to cash
Same day
Same day
Lender type
NBFC
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.
Tata Capital gold loanFull rates, per-gram & eligibility
Indian Bank gold loanFull rates, per-gram & eligibility
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Tata Capital vs Indian Bank · FAQs
Which is cheaper, Tata Capital or Indian Bank gold loan?
On a ₹1 lakh loan for a year, Indian Bank works out cheaper by about ₹2,490 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, Tata Capital lends up to about ₹11,165/g (85% LTV) and Indian Bank 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.