SVC Co-operative Bank vs Indian Bank Gold Loan · Interest Rate Today
Updated 30 Jul 2026 · per gram at 22K ₹13,230/g
SCB
SVC Co-operative Bank
8.50%from · p.a.
vs
IB
Indian Bank
8.50%from · p.a.
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Side by side · today
Interest ratep.a. onward
8.50%
8.50%
Loan per gram (22K)at ₹13,230/g
₹9,923
₹11,246
Max LTVRBI cap 85%
75%
85%
Processing feeon loan amount
Nil
0.25%
Tenurerepayment window
36 mo
3–36 mo
Disbursaltime to cash
Same day
Same day
Lender type
Cooperative bank
Public bank
Green tick marks the better value in that row. Rates, fees and LTV are the lenders' advertised figures — your actual offer depends on loan size, tenure and valuation. Verify before applying.
SVC Co-operative Bank gold loanFull rates, per-gram & eligibility
Indian Bank gold loanFull rates, per-gram & eligibility
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SVC Co-operative Bank vs Indian Bank · FAQs
Which is cheaper, SVC Co-operative Bank or Indian Bank gold loan?
Both advertise similar starting rates; the cheaper one depends on your loan size, tenure and processing fee. Use the figures above for your case.
How much gold loan per gram do they give?
At today's 22K rate of ₹13,230/g, SVC Co-operative Bank lends up to about ₹9,923/g (75% LTV) and Indian Bank up to about ₹11,246/g (85% LTV) — before the RBI tier step-down on larger loans.
Do gold loan rates change?
Yes. Both the interest rate and the per-gram loan value move — the rate when the lender revises it, and the per-gram amount daily with the gold price. This page uses today's figures.
Rates, fees and terms are indicative and set by each lender at application — verify with the bank before you apply. RatesToday is not a lender or a SEBI/RBI-registered adviser and is not affiliated with any bank; this is general information, not financial advice.