State Bank of India (SBI) Gold Loan in Bangalore
State Bank of India (SBI) gold loan by weight in Bangalore
| Gold (22K) | Bangalore value | LTV | Loan amount |
|---|---|---|---|
| 1 gram | ₹13,230 | 85% | ₹11,246 |
| 8 grams | ₹1,05,840 | 85% | ₹89,964 |
| 10 grams | ₹1,32,300 | 85% | ₹1,12,455 |
| 20 grams | ₹2,64,600 | 85% | ₹2,24,910 |
| 50 grams | ₹6,61,500 | 75% | ₹4,96,125 |
Loan amount = Bangalore'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) | ₹11,246 |
| Interest rate | from 9.15% p.a. |
| Max loan-to-value | 85% |
| Bangalore gold rate (22K) | ₹13,230/g |
About State Bank of India (SBI) gold loan in Bangalore
How much you can borrow against gold in Bangalore depends on two things: State Bank of India (SBI)'s loan-to-value and interest rate (the same across India), and Bangalore's gold rate today. At ₹13,230/g for 22K, a 85% LTV works out to about ₹11,246 per gram. Ten grams of 22K jewellery would fetch roughly ₹1,12,455.
Bring hallmarked jewellery and KYC to any State Bank of India (SBI) branch in Bangalore; 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 Bangalore's live 22K rate and State Bank of India (SBI)'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 State Bank of India (SBI) at application — confirm with the bank before you apply. RatesToday is not State Bank of India (SBI), 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.