Gold loan calculator
Gold loan calculator
Estimate how much you can borrow on your gold at today's rate — then work out your monthly EMI or interest-only payment.
You could get up to ₹1,40,250
LTV 85%
- Estimated gold value
- ₹1,65,000
- Approx. monthly interestat an example rate of 12% p.a.
- ₹1,403
Indicative estimate only. The final amount depends on the lender's valuation of stones, wear and actual purity at the branch.
How your loan amount is calculated
- 1
Net weight
Weight of the gold only — stones and non-gold parts are deducted.
- 2
× Purity
22K is 22/24 pure, 18K is 18/24, and so on.
- 3
× Gold rate
Today's 24K rate per gram gives the gold's value.
- 4
× Loan-to-value
Up to 85%, 80% or 75% of that value, depending on the loan size (RBI limit).
RBI loan-to-value limits
The maximum loan as a share of your gold's value:
| Loan amount | Maximum loan-to-value |
|---|---|
| Up to ₹2.5 lakh | Up to 85% of gold value |
| ₹2.5 lakh – ₹5 lakh | Up to 80% |
| Above ₹5 lakh | Up to 75% |
EMI or interest-only?
With an EMI, you repay principal and interest together every month, so the loan is fully paid by the end of the tenure.
Many gold loans also allow paying only the interest each month and repaying the principal at the end (bullet repayment). The monthly amount is smaller, but the full principal is due at the end. The lender tells you which options it offers.
Frequently asked questions
Why is my estimate different from the lender's offer?
The calculator uses your approximate weight and our reference rate. The lender weighs and tests your gold at the branch and values it at a benchmark rate under RBI rules, so the final amount can differ.
What interest rate does the calculator use?
An example rate you can change. The actual rate depends on the lender, the scheme and the loan amount — our advisor shares it when they call.
Can I get the full 85%?
85% is the maximum for loans up to ₹2.5 lakh. The lender may offer less depending on its policy and the scheme you choose.
Your gold can do more for you today
Apply in 60 seconds. Our advisor will call you back with the best offer.