Indian Bank Gold Loan in Tirunelveli (jewel loan)
Indian Bank gold loan by weight in Tirunelveli
| Gold (22K) | Tirunelveli value | LTV | Loan amount |
|---|---|---|---|
| 1 gram | ₹15,225 | 85% | ₹12,941 |
| 8 grams | ₹1,21,800 | 85% | ₹1,03,530 |
| 10 grams | ₹1,52,250 | 85% | ₹1,29,413 |
| 20 grams | ₹3,04,500 | 80% | ₹2,43,600 |
| 50 grams | ₹7,61,250 | 75% | ₹5,70,938 |
Loan amount = Tirunelveli'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) | ₹12,941 |
| Interest rate | from 8.5% p.a. |
| Max loan-to-value | 85% |
| Tirunelveli gold rate (22K) | ₹15,225/g |
About Indian Bank gold loan in Tirunelveli
How much you can borrow against gold in Tirunelveli depends on two things: Indian Bank's loan-to-value and interest rate (the same across India), and Tirunelveli's gold rate today. At ₹15,225/g for 22K, a 85% LTV works out to about ₹12,941 per gram. Ten grams of 22K jewellery would fetch roughly ₹1,29,413.
Indian 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 Indian Bank branch in Tirunelveli; 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 Tirunelveli's live 22K rate and Indian 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 Indian Bank at application — confirm with the bank before you apply. RatesToday is not Indian 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.