Manappuram Gold Loan Rates & Interest per Gram 2025

Financial emergencies do not send any invitation, and leave many hunting for a quick and reliable source of funds. Many sell assets, and some take high-interest loans. Introducing a simple alternative - a gold loan, a secure and flexible choice. Among several prominent names in the industry, Manappuram Finance is preferred for its customer-centric approach and transparent process. 

Competitive rates, flexible tenure options, and instant disbursal - Manappuram caters to you during times of need. This blog takes you through the Manappuram Finance gold loan interest rates, factors that fluctuate them, and tips to leverage the best deals. So, keep reading and turn your idle gold into an incredible financial asset. 

At a Glance: Manappuram Gold Loan Details 2025 

Interest-Rate Range: From 9.90% p.a. to  21.6% p.a., Manappuram offers a gold loan at competitive interest rates. It is dependent on the rebate structure, tenure, and product. 

Loan-to-Value (LTV): Up to 75% LTV on the market value of the gold that you pledge with the lender. However, it can vary based on the loan amount, scheme type, and policy changes. 

Per-Gram Valuation: Considering the Manappuram gold loan rate today and the purity of the gold, the lender calculates the loan amount per gram. Manappuram Finance gold loan calculator offers a simple approach - per-gram market price × weight × determined LTV.

Tenure and Repayment: Usually offered for up to 12 months, Manappuram gold loans feature flexible repayment options, such as interest-only schedules, bullet repayment, or part prepayments. It depends on the scheme you choose. 

How Manappuram Sets Interest Rates for Gold Loan

A gold loan rate card highlights several elements - the type of scheme, loan amount, tenure, frequency of interest payments, and formal rebates. Some cards also have a mention of annualised rate; however, the actual cost can be lower or higher when rebates are compounding are levied. 

Tip: A small loan amount with a short tenure proves to be cost-effective. On the other hand, a larger amount and a long relationship with the lender can help you avail a lower Manappuram gold loan interest. 

How the “Per-Gram” Loan Value Works

“How much will I get for 1 gram of my gold?” - This is the most common question asked by the borrowers. The process is simple:

• Review the Manappuram Finance gold loan rate today for the relevant karat. 
• Multiple the weight of your jewellery by the price per gram to calculate the gross gold value. 
• Apply the LTV percentage to the gross value to take out the maximum amount of loan that can be disbursed.
  Example: if 1g = ₹8,000, 5g of 22K = ₹40,000; at 75% LTV, you might borrow ₹30,000.

Remember, purity, wastage, and deductions are all responsible for influencing the final per-gram loan amount. Solution? Use the gold loan calculator of the lender to make valuable decisions. 

Although the maximum allowed LTV per scheme can be 75, the published operational figures used by Manappuram indicate that, on average, LTV on its active book can be significantly lower (the company reported an average gold loan LTV of approximately 57% at 31 March 2025). That is to say that real lending practice, which is risk-managed and portfolio-directed, may be conservative than published maxima. This is a reminder that the amount provided will be determined by branch appraisal, scheme and company policy at the time of application. The regulatory modifications (RBI or Department of Financial Services instructions) can also influence LTV and other standards; therefore, it is always wise to verify any new announcements.

Eligibility: Who Can Apply and Documents Needed for Gold Loan

Indian resident adults (18+) can easily apply. The owner of the jewellery must be the borrower; lenders will verify ownership. 

Documents

• Photo identity (Aadhaar, PAN, passport, driver’s licence).
• Proof of address (Aadhaar, utility bill, passport).
• Recent passport photograph.
• The gold jewellery to be pledged

The highlight? The income and credit background of a loan does not play as crucial with Manappuram gold loan per gram as compared to unsecured loans, yet some schemes or higher levels of disbursals might demand extra documentation or checks, especially business/large loans.

How to Apply for a Manappuram Gold Loan 

• Calculate the Value of Gold Online: Use the Manappuram’s gold loan calculator and determine the loan amount per gram and eligibility. This will provide you with an approximate amount before visiting a branch.
• Select the Channel: You can apply for a Manappuram online gold loan on the official website or visit the nearest branch. The benefit of online application? You can enjoy speedy documentation and a pre-approved loan. 
• Do paperwork and pledge jewellery: At the branch, the jewellery will be weighed and tested for purity and valuation. The lender provides a pledge receipt and pays out money - usually on the same day.
• Repayment & Closure: Select your mode of repayment (bullet repayment, monthly interest repayment, EMI, etc.). Get your jewellery back by handing over the pledge release document on full repayment.

Practical Tips for Gold Loan Borrowers 

• Compare effective cost, not headline rate: A few schemes have low nominal rates but charge monthly or have rebates subject to rigid conditions. Request an efficient annualised rate or an amortisation schedule.
• Use the gold-loan calculator for an estimate: Authenticate Manappuram gold loan 1 gram rate today, LTV charged, and other charges (processing, insurance, auction fees). Small processing fees (manony token nominal fees) are listed at Manappuram - make sure you confirm in writing.
• Pay interest promptly to retain rebates: Most Manappuram plans rebate interest on timely monthly payments- this enhances the cost efficiency. In case of uncertainty in your cash flow, negotiate a repayment scheme reflecting your inflows.
• Negotiate for larger loans: Consolidating your need into one, a little bigger loan, or becoming a repeat customer, where possible, may provide access to better deals.
• Keep tenure short (if feasible): Consider a repayment scheme (e.g., part prepayments) in case your cash flow allows it.

Conclusion

Need a precise per-gram quote on your jewellery or work on an online application? Check the Manappuram gold rate per gram today and apply now, or use the gold-loan calculator of Manappuram to get an estimate and get pre-approval. To see the most up-to-date and real-time rates, as well as get started on your application, go to the official gold-loan pages of Manappuram.

Also Read:
- Muthoot Finance Gold Loan Interest Rate 2025
- Is It Possible to Transfer Gold Loan? Process & Benefits