Gold Loan Calculator
This gold loan calculator estimates the maximum loan amount you can get against your gold, based on its weight, purity and today's rate, capped at the RBI's regulatory LTV limit. It also compares the two common repayment structures — standard EMI and interest-only bullet repayment — so you can see the monthly outflow and total cost of each.
Total weight of the gold you're pledging, in grams.
22 Karat is the most common purity for gold jewellery pledged for loans in India.
Gold rates change daily — check today's rate before relying on this figure.
The RBI caps gold loan LTV at 75% of the gold's value.
The annual interest rate offered by your lender.
Gold loans are typically short-tenure and renewed periodically, unlike a home loan.
Maximum loan amount
सेव करने के लिए लॉग इन करें₹2,40,450
The largest loan you could get against this gold at your chosen LTV.
Full amortizing repayment — each payment covers interest plus a slice of principal.
Bullet repayment — pay only interest monthly, the full principal is due at the end.
Frequently asked questions
Why is my loan amount less than my gold's full value?+
Lenders cap gold loans at a loan-to-value ratio — the RBI's ceiling is 75% — to protect against gold price drops during the loan term. Some lenders offer less than the maximum, especially for lower-purity gold.
Should I choose EMI or interest-only (bullet) repayment?+
EMI suits borrowers who want steady progress paying down the principal and typically pay less total interest. Interest-only suits borrowers expecting a lump sum (bonus, harvest income, maturing investment) to clear the principal at the end, but it means a larger single payment due later and usually more total interest paid over the loan.
What happens if I can't repay my gold loan?+
The lender can auction the pledged gold to recover the outstanding amount, typically after a grace period and notice. This is the core risk of a gold loan — treat the maximum loan amount as a ceiling, not a target, if repayment is uncertain.
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