Calculator
Gold Loan Calculator
See your eligible loan amount and EMI against gold jewellery, using RBI's tiered LTV rule and a dated gold rate.
Eligible loan: ₹2,40,210 at 85% LTV, EMI ₹11,084/month.
Purity
Gold Value
₹2,82,600
₹14,130/g, as of 2026-09-08
Eligible Loan Amount
₹2,40,210
85% LTV (RBI tiered cap)
Monthly EMI
₹11,084
Total interest: ₹25,817
It depends on your gold's value and RBI's tiered LTV rule (effective 1 April 2026): 85% for loans up to ₹2.5 lakh, 80% for ₹2.5-5 lakh, and 75% above that. This calculator resolves the correct tier for your gold's value automatically.
Your eligible loan amount is a percentage of your gold's current market value — a higher gold rate means a higher loan amount for the same weight. Gold prices move daily, so the rate used here is a snapshot, not a live feed.
Yes — 24K gold is purer (99.9%) than 22K (91.6%) or 18K (75%), so the same weight of higher-purity gold is worth more and gets you a higher eligible loan amount.
RBI's tiered gold-loan LTV rule
Effective 1 April 2026, RBI replaced the earlier flat 75% loan-to-value cap with a tiered structure: 85% for loans up to ₹2.5 lakh, 80% for ₹2.5-5 lakh, and 75% above ₹5 lakh. Since the tier depends on the loan amount your gold's value actually produces, this calculator resolves the correct tier for you rather than assuming one flat percentage.
Disclaimer: The gold rate used here is dated (shown alongside every result) — gold prices move daily, so treat this as an estimate and confirm the current rate with your lender before applying.
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