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Gold Loan Calculator
Estimate the loan value and EMI against your gold.
Enter values to see your result
Frequently asked questions
What is the maximum LTV on a gold loan?
RBI caps LTV at 75% of the market value of gold. Banks and NBFCs may offer less depending on purity and internal policies.
Does gold coin and jewellery get equal valuation?
Banks value the gold content only — stones and ornamental elements are excluded. 22-carat and 24-carat jewellery is valued proportionally to their purity.
Are gold loan rates lower than personal loans?
Yes. Gold is collateral, so rates (8–14%) are significantly lower than unsecured personal loans (12–24%).
What if the gold price falls during the loan?
Lenders may ask you to top up the collateral or make a partial prepayment if the outstanding balance exceeds the new LTV limit. This is called a "margin call".