Gold Loan Calculator in Patna — Bihar Rates 2026
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Quick Answer
Gold loan rates in Patna start at ~8.5% p.a. at major lenders (Muthoot, Manappuram, SBI, HDFC). Banks can lend up to 75% of the gold's current market value. With gold at ~₹72,000/10g, 100g of gold can secure a loan of approximately ₹5.4 lakh. Use the calculator to estimate your eligibility and EMI.
Gold Value
₹3,30,000
Loan Amount
₹2,47,500
Monthly Interest
₹1,959
Total Interest
₹23,513
Gold price placeholder: ₹7,200/gram for 24K. RBI allows max 75% LTV for gold loans. Actual rates vary by lender and gold quality assessment.
Patna — BiharRates & Data
| Parameter | Value |
|---|---|
| State | Bihar |
| Typical Gold Loan Rate | 8.5–10% p.a. |
| Max LTV | 75% of gold value |
| Major Lenders | Muthoot, Manappuram, SBI, HDFC |
Frequently Asked Questions — Patna
How does Gold Loan Calculator work for Patna?
The Gold Loan Calculator for Patna uses Bihar state-specific data where applicable — including stamp duty rates (6.5% male / 6.5% female) and registration charges (2%). Enter your specific values in the calculator above for an accurate result.
Are rates different in Patna compared to other cities in Bihar?
Stamp duty and registration charges are set at the state level in India, so Patna follows the same Bihar rates as other cities in the state. However, circle rates (minimum property valuations), municipal taxes, and local service costs differ by city. The calculator uses standardised Bihar rates for Patna.