Gold Loan Calculator

Estimate pledged-gold value, an indicative loan limit, and EMI or bullet-repayment cost using manual rates.

Adjust your plan

Enter an exact value or use a slider. Your result updates instantly.

g
Indian rupees

For a lender-style estimate, use the lower applicable reference price after adjusting it to a 24K equivalent. This site does not fetch a live gold price.

%

RBI consumption-loan maxima effective 1 April 2026 are 85% up to ₹2.5 lakh, 80% above ₹2.5 lakh through ₹5 lakh, and 75% above ₹5 lakh.

Indian rupees
Repayment method
%

Consumption gold loans with bullet repayment are limited to 12 months; EMI scenarios may use the lender tenure entered.

Your result

Local calculation
Per month, you have to pay₹8,791.59
Indicative assessed gold value
₹1,37,500.00
Loan limit from entered LTV
₹1,03,125.00
LTV used by this request
72.73%
RBI maximum LTV for this consumption-loan tier
85%
First-month or monthly bullet interest
₹833.33
Estimated total interest
₹5,499.06
Estimated total repayment
₹1,05,499.06

How this calculation works

Estimate pledged-gold value, an indicative loan limit, and EMI or bullet-repayment cost using manual rates. The result is calculated locally in your browser from the visible inputs, and the method below remains available for checking.

Assessed gold value = net weight × entered 24K-equivalent reference price × purity ÷ 24. The eligible principal applies the lower entered/RBI tier LTV; for bullet loans the LTV exposure includes principal plus maturity interest.

Worked example

Twenty grams of 22K gold is valued from the manually entered 24K price before applying the lender’s LTV limit.

Assumptions and limits

  • This models a consumption gold loan under RBI rules effective 1 April 2026. Income-generating loans and lender-specific policy can differ.
  • Only intrinsic gold value is modelled; stones, making charges, assaying deductions and lender charges are excluded.
  • Bullet repayment shows the complete principal and simple interest due at maturity.

Questions people ask

How does the Gold Loan Calculator work?

It applies this displayed method: Assessed gold value = net weight × entered 24K-equivalent reference price × purity ÷ 24. The eligible principal applies the lower entered/RBI tier LTV; for bullet loans the LTV exposure includes principal plus maturity interest. Values stay in your browser and are not submitted to a server.

What should I check before using the Gold loan result?

This models a consumption gold loan under RBI rules effective 1 April 2026. Income-generating loans and lender-specific policy can differ. Only intrinsic gold value is modelled; stones, making charges, assaying deductions and lender charges are excluded. Bullet repayment shows the complete principal and simple interest due at maturity. This is an estimate, not a lender quote. Rates, fees, rounding and repayment rules vary by agreement.

Does this Gold loan calculator save my information?

No. Calculation inputs are processed on this device. Sharing creates a URL only when you choose the share action.

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