Gold Loan Calculator — Check Eligibility & EMI Instantly

Gold Loan Eligibility Calculator

Find out how much loan you can get based on your gold

Number of Ornaments

Weight per Ornament (grams)

1g20g200g

Gold Purity

Total Gold Weight

60g

Estimated Loan Amount

₹3,26,250

Market Gold Value₹4,35,000

LTV Ratio75%

Max Eligible Loan₹3,26,250

75% Loan-to-Value applied

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EMI & Interest Calculator

Plan your repayment with our EMI calculator

Loan Amount

₹5K₹5,00,000₹1Cr

Interest Rate (% per annum)

10%12%24%

Tenure (months)

16 months12

Monthly EMI

₹86,272

Total Interest

₹17,632

Total Payable

₹5,17,632

Apply for This Loan

Repayment Schedule

Month	EMI	Principal	Interest	Balance

Calculator FAQ

LTV ratio is the percentage of your gold's market value that you can borrow. As per RBI guidelines, the maximum LTV for gold loans is 75%, which means you can borrow up to 75% of the current market value of the gold you pledge.

Our certified gold appraisers use state-of-art XRF (X-Ray Fluorescence) machines to accurately determine the purity of your gold ornaments. This is a non-destructive process that does not damage your gold.

The calculator provides an estimate based on current gold rates. The actual loan amount may vary based on the physical assessment of your gold at the branch. Gold rates may fluctuate daily.