Gold Loan Calculator
See how much loan your gold can fetch today. Enter the weight, purity and your lender's loan-to-value (LTV), and get an instant estimate based on the live gold rate.
How a Gold Loan Amount Is Calculated
A gold loan is a secured loan where your gold jewellery or coins act as collateral. The amount you can borrow depends on two things: the value of the pure gold in your item and the loan-to-value ratio (LTV) your lender offers. The Reserve Bank of India caps LTV at 75%, so a bank or NBFC will lend up to 75% of your gold's current market value. The calculator above multiplies today's rate for your purity by the weight to get the gold value, then applies your chosen LTV to estimate the loan.
Only the gold content is valued — gems, stones and the making charge you originally paid are excluded, and lenders assess purity before disbursing. At ₹13,695 per gram for 22K today, 10 grams is worth about ₹1,36,953, which at 75% LTV supports a loan of roughly three-quarters of that. Because the loan is backed by gold, interest rates are usually lower than unsecured personal loans, and disbursal is fast. Actual rates, processing fees and maximum tenure vary by lender and scheme.
What affects your gold loan
| Factor | Effect on loan |
|---|---|
| Purity (22K/24K) | Higher purity = higher gold value = higher loan |
| Weight (net gold) | Only pure gold weight counts; stones excluded |
| Today's gold rate | Loan value rises and falls with the market rate |
| LTV (max 75%) | Sets what % of value you can borrow |
Related Tools
Want the full jewellery price with making charges and GST? Use the Gold Rate Calculator. Check today's live gold rate, your city rate, or the 22 carat and 24 carat pages.
Gold Loan Calculator — FAQ
How much gold loan can I get per gram?
Up to about 75% of the per-gram value. At ₹13,695/g for 22K today, that's roughly three-quarters of ₹13,695 per gram, subject to your lender's LTV and purity check.
What is LTV in a gold loan?
Loan-to-value — the percentage of your gold's market value a lender will advance. The RBI caps it at 75%.
Is 22K or 24K better for a gold loan?
Lenders value pure gold content, so higher purity yields a higher loan for the same weight. Most jewellery is 22K.
Does the loan amount change with the gold rate?
Yes. Since the loan is a percentage of current gold value, it rises when rates rise and falls when they drop.