Poonawalla Fincorp Gold Loan Per Gram Rate Today
How much can I borrow at Poonawalla Fincorp?
A Poonawalla Fincorp gold loan is a secured loan against your gold jewellery — Same day disbursal, no income proof and only KYC documents. You keep ownership; the bank safe-keeps your gold until you repay.
Poonawalla Fincorp loan per gram today
| Purity | Gold rate/g | Loan/g · 85% |
|---|---|---|
| 24K (999) | ₹14,329 | ₹12,180 |
| 22K (916) | ₹13,135 | ₹11,165 |
| 18K (750) | ₹10,747 | ₹9,135 |
Based on today's gold rate and the RBI-2026 maximum 85% LTV (loans up to ₹2.5L). Actual amount depends on purity, loan size and the bank's valuation.
Poonawalla Fincorp gold loan amount by weight
| Gold weight (22K) | Gold value | Loan · 85% LTV |
|---|---|---|
| 8 g (1 pavan) | ₹1,05,080 | ₹89,318 |
| 10 g | ₹1,31,350 | ₹1,11,648 |
| 20 g | ₹2,62,700 | ₹2,23,295 |
| 50 g | ₹6,56,750 | ₹5,58,238 |
| 100 g | ₹13,13,500 | ₹11,16,475 |
On 22K gold at today's ₹13,135/g and the RBI-max 85% LTV (loans ≤₹2.5L). One pavan (sovereign) = 8 grams; higher-purity gold fetches more.
Poonawalla Fincorp gold loan · key facts
How much you can borrow depends on loan size
The smaller the loan, the higher the LTV the RBI allows. On ₹1 lakh of pledged gold that is up to ₹85,000 (≤₹2.5L loans), ₹80,000 (₹2.5–5L) or ₹75,000 (above ₹5L).
Interest is charged on a daily reducing balance, bullet-repayment loans are capped at 12 months, and a standardised Key Fact Statement (KFS) is mandatory before you sign. For small loans the RBI also removed mandatory income verification.
Compare Poonawalla Fincorp with other lenders
Tap any lender to see it side by side with Poonawalla Fincorp — rate, loan per gram, LTV & fees.
Eligibility & documents at Poonawalla Fincorp
Poonawalla Fincorp gold loan charges & repayment
- Valuation charge: a small fee to test gold purity and weight.
- Foreclosure / part-payment: usually allowed; charges vary by scheme — confirm before signing.
- Repayment: bullet (interest + principal at the end, capped at 12 months), regular EMIs, or an overdraft you draw as needed.
GST applies on fees and charges. Interest is charged on a daily reducing balance.
How to apply for a Poonawalla Fincorp gold loan
Rates and terms depend on loan amount, tenure, repayment option and scheme at application. Contact Poonawalla Fincorp for exact figures.
About Poonawalla Fincorp gold loans
What "loan per gram" actually means
A gold loan is sized off the value of the gold you pledge, not your income. Poonawalla Fincorp values your jewellery at the current 22K rate — today ₹13,135 a gram — and lends a percentage of that, called the loan-to-value (LTV). At the RBI-2026 maximum 85% LTV, that works out to about ₹11,165 per gram of 22K gold. Pledge 20 grams and you can raise roughly ₹2,23,300. You can check any weight on the gold calculator or against the live gold price today.
How the RBI 2026 LTV tiers change your limit
The per-gram figure isn't fixed — it steps down as the loan gets bigger. Loans up to ₹2.5 lakh can go to 85% of the gold's value, ₹2.5–5 lakh to 80%, and anything above ₹5 lakh to 75%. So a small loan gives you the most per gram. The same gold pledged for a larger amount raises proportionally less, which is worth planning around if you only need part of what your gold could unlock.
What a Poonawalla Fincorp gold loan really costs
Interest is charged on a daily reducing balance, starting from 11.00% a year, so repaying early genuinely lowers your cost. On top of interest, budget for a processing fee, a small valuation charge and GST on the fees. Bullet-repayment schemes let you clear everything in one go within 12 months; EMI and overdraft options spread it out. The Key Fact Statement you sign lists every charge before you commit.
Documents and who qualifies
Because the gold is the security, Poonawalla Fincorp doesn't ask for salary slips or run a credit check on most gold loans — you just need KYC, meaning Aadhaar and PAN. Any resident Indian aged 18 or above who owns 18K–22K jewellery can apply, whether salaried, self-employed or running a business. Higher-purity gold is valued more per gram, so 22K pledges raise more than 18K.
Borrow against gold, or sell it?
If you need cash but want to keep your jewellery, a gold loan lets you borrow against it and get it back on repayment. If you'd rather exit gold entirely, selling at the current rate may make more sense — there's no interest, but you lose the asset. For short-term needs a loan usually wins; for a permanent change of plan, selling can. Compare the all-in interest cost above against what you'd give up by selling.
Per-gram loan values are computed from our indicative daily 22K gold rate and the RBI-2026 maximum LTV. Interest rates, fees and tenures are indicative, not an offer, and are set by Poonawalla Fincorp at application — confirm with the bank before you apply. RatesToday is not Poonawalla Fincorp, is not a lender or a SEBI/RBI-registered adviser, and is not affiliated with or endorsed by the bank. This information is for general guidance only and is not financial advice.
Poonawalla Fincorp gold loan FAQs
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Rates are indicative and subject to change — verify with Poonawalla Fincorp before applying. RatesToday is not a SEBI/RBI-registered advisor and this is not financial advice.