City Union Bank Gold Loan in Hyderabad (jewel loan)
City Union Bank gold loan by weight in Hyderabad
| Gold (22K) | Hyderabad value | LTV | Loan amount |
|---|---|---|---|
| 1 gram | ₹15,030 | 85% | ₹12,776 |
| 8 grams | ₹1,20,240 | 85% | ₹1,02,204 |
| 10 grams | ₹1,50,300 | 85% | ₹1,27,755 |
| 20 grams | ₹3,00,600 | 80% | ₹2,40,480 |
| 50 grams | ₹7,51,500 | 75% | ₹5,63,625 |
Loan amount = Hyderabad's 22K value × the applied LTV. RBI 2026 caps LTV at 85% up to ₹2.5 lakh, 80% up to ₹5 lakh, then 75% — so larger loans get a lower percentage. Making charges and stones aren't funded.
At a glance
| Loan per gram (22K, today) | ₹12,776 |
| Interest rate | from 9% p.a. |
| Max loan-to-value | 85% |
| Hyderabad gold rate (22K) | ₹15,030/g |
About City Union Bank gold loan in Hyderabad
How much you can borrow against gold in Hyderabad depends on two things: City Union Bank's loan-to-value and interest rate (the same across India), and Hyderabad's gold rate today. At ₹15,030/g for 22K, a 85% LTV works out to about ₹12,776 per gram. Ten grams of 22K jewellery would fetch roughly ₹1,27,755.
City Union Bank markets this as a jewel loan — it's the same product as a gold loan, secured against your jewellery, with the same per-gram value and interest.
Bring hallmarked jewellery and KYC to any City Union Bank branch in Hyderabad; disbursal is usually same-day. Compare the rate with other lenders below before you sign — a lower interest rate on the same gold can save more than a slightly higher LTV.
Loan-per-gram is indicative, based on Hyderabad's live 22K rate and City Union Bank's stated 85% LTV; your branch's valuation and the RBI LTV tiers set the final amount. Confirm the current interest rate at the branch.
FAQs
Per-gram loan values are computed from our indicative daily 22K gold rate and the RBI-2026 maximum LTV. The interest rate, fees and tenure are indicative, not an offer, and are set by City Union Bank at application — confirm with the bank before you apply. RatesToday is not City Union Bank, is not a lender or a SEBI/RBI-registered adviser, and is not affiliated with or endorsed by the bank. This is general guidance only, not financial advice.