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 sets the maximum LTV. Under its Lending Against Gold and Silver Collateral Directions, 2025, which lenders had to adopt by 1 April 2026, the cap on personal (consumption) gold loans is tiered by loan size: up to 85% for loans up to ₹2.5 lakh, 80% for ₹2.5–5 lakh and 75% above ₹5 lakh (before these rules, the cap for banks was a flat 75%). These are ceilings, not entitlements: each lender sets its own LTV within them, and for bullet-repayment loans the limit is tested on the total amount due at maturity (principal plus interest), so the cash you receive upfront is lower. 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 ₹13,334 per gram for 22K today, 10 grams is worth about ₹1,33,335, which at a 75% LTV supports a loan of roughly three-quarters of that; a small loan at the 85% ceiling could be a little higher. The calculator defaults to 75% because it is within the cap for every loan size. 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 (RBI cap 75–85%) | Sets what % of value you can borrow; the cap depends on loan size |
| Repayment type | Bullet loans count interest due at maturity within the LTV, so upfront cash is lower |
RBI LTV ceilings by loan size (from 1 April 2026)
| Total gold loan amount | Maximum LTV | Max loan per ₹1 lakh of gold value |
|---|---|---|
| Up to ₹2.5 lakh | 85% | ₹85,000 |
| Above ₹2.5 lakh to ₹5 lakh | 80% | ₹80,000 |
| Above ₹5 lakh | 75% | ₹75,000 |
Source: Reserve Bank of India, Lending Against Gold and Silver Collateral Directions, 2025 (as amended). Lender policies differ; confirm the LTV, interest rate and charges with your bank or NBFC. The gold value used here is our indicative rate, not the lender's valuation.
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 85% of the per-gram value for loans up to ₹2.5 lakh, 80% for ₹2.5–5 lakh and 75% above ₹5 lakh (RBI ceilings from 1 April 2026). At ₹13,334/g for 22K today, a 75% LTV means roughly three-quarters of that per gram, subject to your lender's own 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 85%, 80% or 75% depending on the loan amount.
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.