Sri Lanka
Gold Pawning Rates
Two numbers decide a pawning deal: the advance per sovereign (how much cash you get — higher is better) and the interest rate (what it costs — lower is better). A sovereign is 8 g of 22kt gold, the standard unit here; most jewellery is 22kt.
Advance per sovereign — how much cash you get
Higher is better: more rupees lent against the same gold. Best highlighted.
2 other banks (ComBank, Sampath) don't publish a standing advance — they set it at the branch from the day's gold price. Ask before you go.
Interest rate — what it costs
Lower is better, best highlighted·8banks, by facility size · latest as of 2026-10-12
| Bank | Standard | ≤ Rs 1M | > Rs 1M |
|---|---|---|---|
 | 13.50%— | — | — |
 | 14.00% +9.80% | — | — |
 | 14.50% 0.00% | — | — |
 | 14.50% +7.41% | — | — |
 | 14.75% +1.72% | — | — |
 | 15.00% 0.00% | — | — |
 | 16.50% +6.45% | — | — |
 | — | 15.00% +7.14% | 14.75% +7.27% |
What the numbers mean
Say you pawn 5 sovereigns (40 g) of 22kt gold. At the best published advance (Rs 230K/sovereign) you could borrow up to Rs 1.2M. At the lowest rate (13.50% p.a.) that costs roughly Rs 39K in interest over 3 months.
Illustrative only — the actual advance depends on the day's gold price and the bank's assessment of your articles. Confirm at the branch.
The advance per sovereign tracks the prevailing gold price and the bank's assessment of your articles, so it moves over time (sparkline) and is confirmed at the branch. See the methodology.