Gold Loan Calculator

01 July 2026 · Live gold loan eligibility · EMI calculation · Lender rate comparisons

1. Gold Details

City (gold price reference)

Net Gold Weight (Grams)

Purity (Karat)

2. Loan Parameters

Loan-to-Value (LTV) Ratio 70%

50% Minimum 75% Max (RBI limit)

Interest Rate (% p.a.)

Tenure (Months)

3. Popular Lender Presets

Maximum Eligible Loan

₹0.00

Estimated EMI₹0.00/mo

Total Interest Payable₹0.00

Total Repayment₹0.00

LTV Percentage Applied70%

Repayment ModeMonthly EMI

RBI Guidelines Note:

Per Reserve Bank of India (RBI) norms, the maximum loan-to-value (LTV) ratio on gold jewelry is capped at 75%. Most lending institutions offer between 60% and 72% LTV to keep margin for daily market price fluctuations.