State Bank of India (SBI) Gold Loan Interest Rate 2026
State Bank of India (SBI) offers gold loans at
8.70% to 9.95% per annum
with a maximum LTV of 75%.
At today's 22K gold rate of ₹14,268/gram,
you can borrow up to ₹10,701 per gram.
No income proof is required and disbursal is Same day.
State Bank of India (SBI) Gold Loan Calculator
Enter your gold weight and purity to calculate your eligible loan amount and monthly interest.
State Bank of India (SBI) Gold Loan — Key Features
Interest rate: 8.70% – 9.95% per annum
Maximum LTV: Up to 75% of gold value (as per RBI guidelines)
Disbursal: Same day
Processing fee: 0.25%+GST (min ?250)
Tenure: 3–36 months
No income proof required for most products
Gold safety: Pledged gold is stored in bank's vault with full insurance
Rates and terms shown are indicative. Final rates depend on loan amount, tenure, repayment option and the bank's scheme at time of application. Contact State Bank of India (SBI) directly at 1800 11 2211 for exact rates.