Gold Loan Interest Rate in Kerala Today
Updated 30 Jul 2026 · 72 lenders
Borrow up to ₹11,246 per gram on 22K gold in Kerala today, with rates from 8.50% p.a. across 72 banks & NBFCs at up to 85% LTV (RBI 2026) — no income proof, same-day disbursal.
Advertisement
Kerala gold loanper gram · 85% LTV
from8.50% p.a.
22K gold
₹11,246
85% of ₹13,230/g
18K gold
₹9,201
85% of ₹10,825/g
Loan value uses Kerala's live 22K rate ₹13,230/g · RBI-max 85% LTV
indicative · subject to lender valuation & RBI tiers
Kerala is the heartland of India's gold-loan industry — Thrissur alone is the registered home of Muthoot, Manappuram and Kosamattam. That density means sharp competition: old-private banks like CSB, South Indian and Federal lead on rate, while the big NBFCs win on ~30-minute disbursal and doorstep pickup.
Popular gold-loan lenders in Kerala
CB
SIB
FB
DB
MF
MF
MF
KF
KGB
CSB Bank
Private bank · 75% LTV · Same day
9.49%
p.a. onward
South Indian Bank
Private bank · 85% LTV · No fee · Same day
9.00%
p.a. onward
Federal BankLowest here
Private bank · 85% LTV · No fee · Same day
8.99%
p.a. onward
Dhanlaxmi Bank
Private bank · 75% LTV · 1% fee · Same day
9.35%
p.a. onward
Muthoot Finance
NBFC · 85% LTV · 30 minutes
10.90%
p.a. onward
Muthoot Fincorp
NBFC · 75% LTV · Same day
9.95%
p.a. onward
Manappuram Finance
NBFC · 85% LTV · 1 hour
9.90%
p.a. onward
Kosamattam Finance
NBFC · 85% LTV · 1 hour
10.00%
p.a. onward
Kerala Gramin Bank
Regional Rural Bank · 75% LTV · 1-2 days
9.30%
p.a. onward
These lenders have a strong branch presence in Kerala. Tap any for its full Key Fact Statement.
Compare all 72 gold loan lenders
BOM
CCB
IB
MGB
SCB
BOI
ACB
CB
CBO
BOB
IOB
UB
PNB
FB
CUB
I
KGB
KVB
KMB
MPG
SIB
TMB
TSB
HB
UBO
IB
SBO
SCB
KGB
DB
P&S
R
CB
BF(
IFB
KB
DB
APG
AB
TGB
TNG
MF
MF
FF(
ABF
ESF
KF
RB
SF
USF
IB
J&K
ESF
CI&
NB
MF
BB
TC
ASF
HFS
PF
TC
YB
SSF
IF
IM
JSF
LF
MM
MMF
NES
USF
Bank of MaharashtraLowest
Public bank · 85% LTV · Same day
8.50%
p.a. onward
Cosmos Co-operative BankLowest
NBFC · 75% LTV · Same day
8.50%
p.a. onward
Indian BankLowest
Public bank · 85% LTV · 0.25% fee · Same day
8.50%
p.a. onward
Maharashtra Gramin BankLowest
Regional Rural Bank · 75% LTV · Same day
8.50%
p.a. onward
SVC Co-operative BankLowest
NBFC · 75% LTV · Same day
8.50%
p.a. onward
Bank of India
Public bank · 85% LTV · Same day
8.60%
p.a. onward
Abhyudaya Co-operative Bank
NBFC · 75% LTV · Same day
8.75%
p.a. onward
Canara Bank
Public bank · 85% LTV · 0.25% fee · Same day
8.75%
p.a. onward
Central Bank of India
Public bank · 78% LTV · No fee · Same day
8.80%
p.a. onward
Bank of Baroda
Public bank · 85% LTV · No fee · Same day
8.85%
p.a. onward
Indian Overseas Bank
Public bank · 85% LTV · 0.15% fee · Same day
8.85%
p.a. onward
UCO Bank
Public bank · 85% LTV · 0.25% fee · Same day
8.85%
p.a. onward
Punjab National Bank (PNB)
Public bank · 85% LTV · 0.30% fee · Same day
8.95%
p.a. onward
Federal Bank
Private bank · 85% LTV · No fee · Same day
8.99%
p.a. onward
City Union Bank
Private bank · 85% LTV · 0.50% fee · Same day
9.00%
p.a. onward
indiagold
NBFC · 75% LTV · Same day (doorstep)
9.00%
p.a. onward
Karnataka Grameena Bank
Regional Rural Bank · 75% LTV · Same day
9.00%
p.a. onward
Karur Vysya Bank
Private bank · 85% LTV · 0.50% fee · Same day
9.00%
p.a. onward
Kotak Mahindra Bank
Private bank · 85% LTV · No fee · Same day
9.00%
p.a. onward
Madhya Pradesh Gramin Bank
Regional Rural Bank · 75% LTV · Same day
9.00%
p.a. onward
South Indian Bank
Private bank · 85% LTV · No fee · Same day
9.00%
p.a. onward
Tamilnad Mercantile Bank
Private bank · 85% LTV · 0.50% fee · Same day
9.00%
p.a. onward
TJSB Sahakari Bank
NBFC · 75% LTV · Same day
9.00%
p.a. onward
HDFC Bank
Private bank · 85% LTV · 1% fee · Same day
9.10%
p.a. onward
Union Bank of India
Public bank · 85% LTV · 0.50% fee · Same day
9.10%
p.a. onward
ICICI Bank
Private bank · 85% LTV · 2% fee · Same day
9.15%
p.a. onward
State Bank of India (SBI)
Public bank · 85% LTV · 0.25% fee · Same day
9.15%
p.a. onward
Saraswat Co-operative Bank
NBFC · 75% LTV · Same day
9.25%
p.a. onward
Kerala Gramin Bank
Regional Rural Bank · 75% LTV · 1-2 days
9.30%
p.a. onward
Dhanlaxmi Bank
Private bank · 75% LTV · 1% fee · Same day
9.35%
p.a. onward
Punjab & Sind Bank
Public bank · 85% LTV · Same day
9.35%
p.a. onward
Rupeek
NBFC · 75% LTV · 30-60 min (doorstep)
9.48%
p.a. onward
CSB Bank
Private bank · 75% LTV · Same day
9.49%
p.a. onward
Bajaj Finserv (Gold Loan)
NBFC · 85% LTV · 0.15% fee · Same day
9.50%
p.a. onward
IDFC FIRST Bank
Private bank · 85% LTV · 0.50% fee · Same day
9.50%
p.a. onward
Karnataka Bank
Private bank · 75% LTV · No fee · 1-2 days
9.53%
p.a. onward
DCB Bank
Private bank · 75% LTV · 1% fee · Same day
9.55%
p.a. onward
Andhra Pradesh Grameena Bank
Regional Rural Bank · 75% LTV · Same day
9.75%
p.a. onward
Axis Bank
Private bank · 85% LTV · 0.5% fee · Same day
9.75%
p.a. onward
Telangana Grameena Bank
Regional Rural Bank · 75% LTV · Same day
9.75%
p.a. onward
Tamil Nadu Grama Bank
Regional Rural Bank · 75% LTV · Same day
9.80%
p.a. onward
Manappuram Finance
NBFC · 85% LTV · 1 hour
9.90%
p.a. onward
Muthoot Fincorp
NBFC · 75% LTV · Same day
9.95%
p.a. onward
Fedbank Financial (Fedfina)
NBFC · 75% LTV · Same day
9.99%
p.a. onward
Aditya Birla Finance
NBFC · 85% LTV · 1% fee · Same day
10.00%
p.a. onward
ESAF Small Finance Bank
Small Finance Bank · 85% LTV · 0.85% fee · Same day
10.00%
p.a. onward
Kosamattam Finance
NBFC · 85% LTV · 1 hour
10.00%
p.a. onward
RBL Bank
Private bank · 85% LTV · 1% fee · Same day
10.00%
p.a. onward
Shriram Finance
NBFC · 85% LTV · 5% fee · Same day
10.00%
p.a. onward
Ujjivan Small Finance Bank
Small Finance Bank · 85% LTV · Same day
10.00%
p.a. onward
IndusInd Bank
Private bank · 85% LTV · 1% fee · Same day
10.06%
p.a. onward
Jammu & Kashmir Bank
Private bank · 75% LTV · 9.75% fee · 1-2 days
10.25%
p.a. onward
Equitas Small Finance Bank
Small Finance Bank · 85% LTV · Same day
10.49%
p.a. onward
Cholamandalam Investment & Finance
NBFC · 85% LTV · 1% fee · Same day
10.50%
p.a. onward
Nainital Bank
Private bank · 75% LTV · 1-2 days
10.50%
p.a. onward
Muthoot Finance
NBFC · 85% LTV · 30 minutes
10.90%
p.a. onward
Bandhan Bank
Private bank · 85% LTV · Same day
10.99%
p.a. onward
Tata Capital
NBFC · 85% LTV · 1% fee · Same day
10.99%
p.a. onward
AU Small Finance Bank
Small Finance Bank · 85% LTV · 1% fee · Same day
11.00%
p.a. onward
HDB Financial Services
NBFC · 85% LTV · 1% fee · Same day
11.00%
p.a. onward
Poonawalla Fincorp
NBFC · 85% LTV · Same day
11.00%
p.a. onward
TVS Credit
NBFC · 85% LTV · Same day
11.00%
p.a. onward
Yes Bank
Private bank · 85% LTV · 0.75% fee · Same day
11.00%
p.a. onward
Suryoday Small Finance Bank
Small Finance Bank · 85% LTV · Same day
11.50%
p.a. onward
IIFL Finance
NBFC · 85% LTV · 2% fee · Same day
11.88%
p.a. onward
Indel Money
NBFC · 75% LTV · 1% fee · Same day
12.00%
p.a. onward
Jana Small Finance Bank
Small Finance Bank · 85% LTV · 1% fee · Same day
12.00%
p.a. onward
L&T Finance
NBFC · 85% LTV · Same day
12.00%
p.a. onward
Muthoot Money
NBFC · 85% LTV · 30 minutes
12.00%
p.a. onward
Muthoottu Mini Financiers
NBFC · 75% LTV · Same day
12.00%
p.a. onward
North East Small Finance Bank
Small Finance Bank · 85% LTV · 1% fee · Same day
12.00%
p.a. onward
Utkarsh Small Finance Bank
Small Finance Bank · 85% LTV · Same day
12.50%
p.a. onward
Rates are indicative — verify before applying. Calculate your exact limit for any gold weight.
How much you can borrow in Kerala
⚖️ RBI 2026
The smaller the loan, the higher the LTV the RBI allows. On ₹1 lakh of pledged gold that is up to ₹85,000 (≤₹2.5L loans), ₹80,000 (₹2.5–5L) or ₹75,000 (above ₹5L).
85%
up to ₹2.5L
80%
₹2.5L–5L
75%
above ₹5L
Interest is charged on a daily reducing balance, bullet-repayment loans are capped at 12 months, and a standardised Key Fact Statement (KFS) is mandatory before you sign.
Gold loan FAQs — Kerala
The lowest available today is 8.50% p.a. Public and old-private banks usually lead on rate; NBFCs charge more but disburse in ~30 minutes.
At Kerala's 22K rate of ₹13,230/g and 85% LTV you can borrow up to ₹11,246 per gram.
No — gold is the collateral, so banks and NBFCs need only KYC (Aadhaar and PAN).
Broadly yes within the state. Loan value is set off the local 22K rate — see the Kerala gold price for today's figure and city-level variations.