Gold Loan Calculator
Compute gold loan eligibility from weight, purity and price per gram, then estimate EMI on the sanctioned amount.
50
22
7,200
75
11.00
2
Estimated gold value
₹3,60,000
Loan sanctioned (LTV)
₹2,70,000
Monthly EMI
₹12,584
// about this calculator
Gold loans are secured short-tenor credit lines at 9–14% p.a., disbursed within hours against pledged ornaments. RBI caps the loan-to-value at 75% for jewellery — so ₹1 lakh worth of pledged gold typically gets you ₹75,000 of credit. Bullet repayment, partial pre-EMI and overdraft variants are common.
// frequently asked questions
RBI has capped the LTV on bank gold loans at 75% of the gold's market value. NBFCs follow the same cap.