How much loan can I get on my gold?

The RBI caps the loan-to-value (LTV) on a gold loan at 75%, so you can borrow up to 75% of your gold's assessed value. On ₹5 lakh of gold, that's up to ₹3.75 lakh. Only the gold content is valued — making charges and stones are excluded.

How is gold loan EMI calculated?

For an EMI-based gold loan, the EMI is computed on a reducing balance from the loan amount, interest rate and tenure, just like any other loan. Some gold loans instead use bullet repayment, where you pay interest periodically and the principal at the end.

What is the tenure of a gold loan?

Gold loans are short-term, usually 3 months to 3 years. They are quick to arrange because they're secured by your gold, and interest rates are lower than unsecured personal loans.

Gold Loan EMI Calculator (India)

Gold Loan EMI Calculator

See how much you can borrow against your gold and what the EMI will be. Enter your gold's value and the loan-to-value ratio (capped at 75% by the RBI), then the rate and tenure, to get the loan amount, EMI and total interest.

How it's calculated

Your loan amount is the value of your gold multiplied by the loan-to-value ratio, which the RBI caps at 75%. The EMI is then worked out on a reducing balance from that loan amount, the interest rate and the tenure. Because a gold loan is secured by your jewellery, rates are lower than an unsecured personal loan and approval is fast.

Loan = gold value × LTV (max 75%). Only the gold content is valued — making charges and stones are excluded by the lender. Some gold loans use bullet repayment instead of EMIs.

Frequently asked questions

What happens if I can't repay?

The lender can auction the pledged gold to recover the dues, so borrow only what you can comfortably repay within the short tenure.

EMI or bullet repayment?

EMI spreads principal and interest evenly. Bullet repayment charges interest periodically and the full principal at the end — cheaper if you'll have a lump sum soon, riskier otherwise.

Is gold loan cheaper than a personal loan?

Usually yes, because it's secured. Compare with the personal loan calculator to see the difference on your amount.

Gold Loan EMI Calculator

Your gold loan

How it's calculated

Frequently asked questions