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Following the Union Budget's tax hike on gold sales, Axis Bank has optimized its gold loan offerings to support asset retention. With valuations hitting ₹6,112 per gram (22K) and a streamlined digital application process, the bank offers a tax-efficient liquidity solution. The Agri Gold Loan continues to provide high-LTV support (up to 85%) for the farming sector, while retail borrowers benefit from flexible repayment tenures up to 36 months.

In response to the Union Budget's tighter capital gains tax norms, UCO Bank has optimised its gold loan offerings to support asset retention. With valuations peaking at ₹6,112 per gram (22K) and interest rates anchored near 8.85%, the bank provides a robust alternative to selling gold. The UCO Shoppe overdraft facility remains a standout choice for MSMEs seeking flexible working capital.

Following the Union Budget's hike on capital gains tax for secondary market gold sales, Bank of Maharashtra has positioned its gold loan as a tax-efficient liquidity tool. With valuations hitting ₹6,112 per gram (22K) and interest rates anchored near 8.70%, the bank offers a compelling alternative to liquidation. The introduction of the Maha Gold Cash Credit for MSMEs further solidifies its portfolio against private competitors.

BOI Gold Loan Update (Feb 20, 2026): Bank of India has recalibrated its Star Gold Loan valuation, offering up to ₹6,112 per gram (22K) following the post-Budget market stabilisation. The bank now leverages AI-driven appraisal for faster processing, cutting disbursement times to under 45 minutes. With interest rates starting at 8.65% for retail borrowers and 7.00% for farmers, BOI remains a top-tier choice for high-LTV liquidity.

IOB Gold Loan Update (Feb 19, 2026): With gold prices hovering around ₹8,150/g (22K), Indian Overseas Bank has optimised its jewel loan portfolio. The lender now offers specialised rates as low as 7.90% for women and maintains a high 85% LTV for agricultural borrowers. Following Budget 2026, the bank has removed foreclosure charges on retail schemes, positioning itself as a top contender for cost-conscious borrowers.

Indian Bank continues to offer a robust financial safety net with a gold loan valuation of approximately ₹11,210 per gram for 22-carat jewellery as of February 18, 2026. With interest rates linked to the Repo Linked Lending Rate (RLLR) and specialised schemes for agriculture and retail, the bank provides a high-value, low-cost borrowing avenue. This guide details the latest per-gram rates and the strategic advantages of PSU lending in the current economy.

Union Bank of India continues to offer a robust lending solution with a gold loan valuation of approximately ₹11,210 per gram for 22-carat jewellery as of February 18, 2026. With interest rates starting below 9% and a transparent valuation process, Union Bank provides a cost-effective alternative to selling assets. 

Canara Bank continues to offer one of the most competitive lending rates in the PSU sector, with a gold loan valuation of approximately ₹11,200 per gram as of February 17, 2026. Through its 'Swarna' and 'Swarna Express' schemes, the bank provides high-value financing options for both retail and business needs. This update analyses the latest per-gram rates and the strategic benefits of using gold overdrafts in the current economic climate.

ICICI Bank has updated its lending valuation to approximately ₹11,185 per gram for 22-carat gold, aligning with the record bullion prices of February 2026. This adjustment allows borrowers to secure higher loan amounts with less jewellery. The bank continues to offer a streamlined 60-minute disbursal process, though borrowers should be mindful of the 6% penal interest on overdue payments.

Punjab National Bank continues to lead the affordable lending space with a gold loan valuation of approximately ₹11,190 per gram for 22-carat jewelry as of February 2026. Leveraging its PSU status, PNB offers interest rates significantly lower than private competitors. Additionally, its specialized facility for lending against Sovereign Gold Bonds (SGBs) provides a strategic liquidity option for investors navigating the new tax rules of the 2026 Budget.