Gold Loan Calculator in Thiruvananthapuram — Kerala Rates 2026
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Quick Answer
Gold loan rates in Thiruvananthapuram 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.
Thiruvananthapuram — KeralaRates & Data
| Parameter | Value |
|---|---|
| State | Kerala |
| Typical Gold Loan Rate | 8.5–10% p.a. |
| Max LTV | 75% of gold value |
| Major Lenders | Muthoot, Manappuram, SBI, HDFC |
Frequently Asked Questions — Thiruvananthapuram
How does Gold Loan Calculator work for Thiruvananthapuram?
The Gold Loan Calculator for Thiruvananthapuram uses Kerala state-specific data where applicable — including stamp duty rates (8% male / 8% female) and registration charges (2%). Enter your specific values in the calculator above for an accurate result.
Are rates different in Thiruvananthapuram compared to other cities in Kerala?
Stamp duty and registration charges are set at the state level in India, so Thiruvananthapuram follows the same Kerala 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 Kerala rates for Thiruvananthapuram.