Tools
Gold Loan Calculator
See how much you can borrow against your gold. Enter the weight, purity, current rate and LTV for an instant estimate.
50 g
₹7,000
75%
9%
Eligible loan amount
₹2,40,625
- Gold market value
- ₹3,20,833
- At 75% LTV
- ₹2,40,625
- Monthly interest
- ₹1,805
Indicative only. The RBI caps gold-loan LTV at 75%; the actual amount, rate and gold valuation are decided by the lender.
FAQ
Frequently asked questions
Lenders value your gold by weight and purity, then lend up to a Loan-to-Value (LTV) ratio: capped at 75% by the RBI. So on gold worth ₹1 lakh, you can borrow up to ₹75,000.
Value = weight (grams) × purity factor (e.g. 22/24 for 22-carat) × the current 24-carat rate per gram. Only the gold content is valued, not stones or making charges.
They vary widely by lender: from around 9% at banks to much higher at some NBFCs. Always compare the rate, processing fee and repayment type before borrowing.
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