Gold Loan on 75 Gram Gold: How Much Loan Can Be Taken in 2026?

Seventy-five grams of 22 carat gold is a serious pledge by most household standards, and at an illustrative reference rate of ₹14,200 per gram it represents about ₹10.65 lakh of collateral. A gold loan on 75 gram gold at that value may reach approximately ₹7.99 lakh. The figure rests on two things, purity and the rate on the day, and because the loan sits above ₹5 lakh the loan-to-value ceiling is 75 per cent, the bottom of the RBI's three slabs. Below are the formula, a purity table, the factors that push the number around, a comparison with 50 grams and 100 grams, and the paperwork.

How the Loan Amount on 75 Grams of Gold Is Calculated

Four inputs go in: net weight, purity, the reference rate and the LTV limit. For a 75 gram gold loan amount at 22 carat, at the illustrative rate, the steps run like this.

1. The net gold weight is confirmed. Plain ornaments come close to their gross weight; stones and other non-gold parts are deducted first.
2. Purity is established. Household jewellery is usually 22 carat, and the reference rate is applied at the assessed purity, with 18 carat priced at its own published rate.
3. Net weight is multiplied by the rate: 75 x ₹14,200 = ₹10,65,000.
4. The LTV slab is applied. A loan of this size falls in the above-₹5-lakh band, so the ceiling is 75 per cent: ₹10,65,000 x 0.75 = ₹7,98,750.

Roughly ₹7.99 lakh, then, before the lender's own evaluation. The rate is not what the jeweller's board says. Under the RBI Lending Against Gold and Silver Collateral Directions, 2025, implemented by regulated lenders from April 2026, lenders take the lower of the 30-day average and the previous day's closing price published by IBJA or a SEBI-recognised exchange, and that number usually sits a little below retail.

The Formula Explained

Loan Amount = Net Weight x Reference Rate per gram for the Assessed Purity x LTV. IBJA issues rates separately for 22 carat and 18 carat gold, hence the value of 18 carat gold will be ₹11,618 per gram on a particular day. In case there is no published rate for a certain purity, the closest rate will be used and the weight adjusted accordingly, making 20 carat 20/22 of the 22 carat rate, approx. ₹12,909. This rate varies from day to day. The value of gold loan of 75 grams for the year 2026 can never be more current than the rate used.

Loan Amount by Gold Purity: 75 Gram Comparison Table

Purity is the input borrowers most often underestimate. The table applies the illustrative rates to 75 grams at each purity, with the slab shown.

Note: These are indicative figures. Actual amounts, fees, coverages, and other requirements may vary from one lender to another as well as from one individual borrower to another.

Coin acceptance varies by lender, and some lenders accept jewellery only. Between 18 carat and 22 carat on the same 75 grams the gap is around ₹1.45 lakh, which is a lot of money to discover at the counter. An 18ct 22ct gold loan comparison done beforehand sets expectations where they belong.

Maximum Loan on 75 Gram Gold

The RBI Directions set three ceilings from April 2026: 85 per cent for loans up to ₹2.5 lakh, 80 per cent above ₹2.5 lakh to ₹5 lakh, and 75 per cent above ₹5 lakh. A 75 gram 22 carat pledge produces a loan well inside the top band, so 75 per cent is the hard ceiling and the maximum loan on 75 gram gold at the illustrative rate is about ₹7.99 lakh. Lenders may set a lower internal LTV for certain schemes. The LTV cap gold loan rule also applies right through the tenure, not only on day one. Nothing is final until the branch purity check, and the borrower is entitled to be present for it.

Key Factors That Affect the 75 Gram Gold Loan Amount

Five things move the figure, and most of them move it down from what a calculator suggests. Purity comes first: each step below 22 carat trims the value in proportion, as the table shows. Then the reference rate, set daily from IBJA or exchange data at the assessed purity and usually lower than the shop rate. The type of gold matters too. Ornaments qualify up to 1 kg per borrower, bank-issued coins of 22 carat or above only up to 50 g, and bars, bullion and biscuits not at all. Lender policy is the fourth: the regulatory slab is a ceiling, and the sanctioned LTV may sit under it. Last, stones and making charges. Only net gold content is counted, so stones, enamel and clasps come off, and the making charge paid at purchase is worth nothing at the branch.

How Does 75 Grams Compare to 50g and 100g Gold Loans?

At 22 carat and the same illustrative rate, 50 grams is valued at ₹7,10,000 and 100 grams at ₹14,20,000. All three weights land in the 75 per cent band. The loan on 75 gram gold in India therefore sits at roughly ₹7.99 lakh, against about ₹5.33 lakh for 50 grams and about ₹10.65 lakh for 100 grams. Inside a slab the scaling is linear. It is only near the ₹2.5 lakh and ₹5 lakh boundaries that the percentage shifts, and 75 grams is nowhere near either. It is also well above the minimum pledge weight most lenders set.

Documents and Eligibility for a Gold Loan on 75 Grams

Eligibility rests on owning the gold, living in India and being 18 or over. Ornaments from 18 to 22 carat are generally accepted, subject to lender assessment. The document file is commonly short:

1. One identity proof: Aadhaar, PAN, Voter ID, Passport or Driving Licence
2. One address proof
3. PAN, or Form 60 whatever applicable; at higher loan amounts lenders commonly ask for the PAN card itself
4. The gold, for weighing and purity testing

A 75 gram loan lands above ₹2.5 lakh, so the lender carries out a credit assessment as the Directions require. Additional documentation requirements, if any, depend on the lender's policies, loan amount and assessment requirements.

How IIFL Finance Supports Gold Loan Applicants Pledging 75 Grams

IIFL Finance may offer a gold loan against 75 grams of eligible jewellery, subject to product availability, borrower eligibility, collateral assessment and prevailing regulatory requirements. The route has three parts. An estimate on the IIFL Finance Gold Loan Calculator first. Then a branch visit with the gold and the KYC documents. Then the purity check, in the borrower's presence, followed by a written offer covering amount, rate, tenure and repayment mode, which may include EMI or bullet structures. Funds are credited once verification and the remaining formalities are complete. Interest rates and charges may differ across products and lenders based on operational, funding and risk-management considerations.

Conclusion

A gold loan on 75 gram gold at 22 carat may reach approximately ₹7.99 lakh at an illustrative reference rate of ₹14,200 per gram, held there by the 75 per cent LTV slab that applies above ₹5 lakh. Lower purity, stone deductions and lender policy pull the number down. The daily rate can push it either way. None of the figures above is an offer. Valuation procedures, disclosures, and collateral handling are carried out in accordance with applicable policies and regulations.

Disclaimer : The information in this blog is for general purposes only and may change without notice. It does not constitute legal, tax, or financial advice. Readers should seek professional guidance and make decisions at their own discretion. IIFL Finance is not liable for any reliance on this content. Read more