1 Gram Gold Rate Today

The loan amount you can get against 1 Gram Gold Rate depends on factors such as its purity, applicable gold value and the Loan-to-Value (LTV) ratio. Since gold prices change over time, the eligible loan amount for the same weight of gold can also vary.

HDFC Bank assesses eligible gold jewellery based on its purity and net weight and determines the loan amount as per applicable valuation norms and RBI guidelines. This means there is no fixed loan amount for every 1 Gram Gold Rate grams of gold.

The eligible loan amount is influenced by:

• Gold purity: The purity of the pledged gold is considered during valuation.
• Gold rate: Changes in the prevailing gold rate can affect the assessed value of the gold.
• Net weight: The net gold content, rather than the total weight of the jewellery, is considered for valuation.
• Applicable LTV: The eligible loan amount is determined within the applicable Loan-to-Value limits. 

Knowing the approximate value of your gold can help you:

• Estimate your potential loan eligibility
• Plan how much you may need to borrow
• Assess your repayment requirements
• Decide how much gold you may need to pledge 

If you are considering borrowing against your gold, you can use the HDFC Bank Gold Loan Eligibility Calculator to get an indicative estimate before applying. The final loan amount is subject to gold valuation, eligibility and applicable terms.

If you need funds for an eligible financial requirement, a Gold Loan can help you access credit against your gold without selling it. HDFC Bank offers Gold Loan options with flexible repayment structures, including Term Loan, Overdraft and Bullet repayment, subject to the applicable scheme and terms.

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