Gold Loan Calculator — Loan Amount & EMI
A gold loan isn't your gold's full value. Lenders value the gold content only (weight × purity at today's rate), then lend a capped share of it under the RBI loan-to-value (LTV) ceiling. Enter your gold below to see your eligible amount and monthly EMI.
How your eligible amount is set
The RBI caps how much of your gold's value a lender may give you. The cap is tiered by loan size — smaller loans can borrow a higher share:
| Loan size | Max LTV | On 40g of 22K (₹5,34,800) |
|---|---|---|
| Up to ₹2.5 lakh | 85% | ₹4,54,580 |
| ₹2.5L – ₹5L | 80% | ₹4,27,840 |
| Above ₹5 lakh | 75% | ₹4,01,100 |
The calculator automatically applies the highest LTV your loan size qualifies for. Each lender sets its own LTV within this RBI ceiling — always confirm before pledging.
What the calculator assumes
Three things decide your number: the gold content (we use weight × purity at today's live rate, ignoring stones and making charges), the RBI LTV cap for your loan size, and your rate & tenure for the EMI. Branches may value gold on a recent average price and add a small processing fee, so treat this as a close estimate rather than a sanctioned figure. To compare real offers, see the cheapest gold-loan banks today or the full gold-loan interest-rate table.
How much you can borrow depends on loan size
The smaller the loan, the higher the LTV the RBI allows.
Interest must be charged on a daily reducing balance, bullet-repayment loans are capped at 12 months, and a standardised Key Fact Statement (KFS) is mandatory before you sign.