What are the advantages of a gold loan?

Gold loans provide a practical means of accessing money when needed and releasing the latent value of idle gold holdings. They offer liquidity to satisfy urgent financial demands or objectives with little paperwork and speedy approval.

What is the gold loan rule?

The majority of lenders demand that borrowers be between the ages of 18 and 65. Ownership: The gold you are guaranteeing must be yours. Generally speaking, only jewellery weighing 18 to 24 carats is permitted. Income proof is typically not needed, therefore people of all income levels can apply.

What is the basis for granting a gold loan?

After assessing the gold offered as collateral, the bank establishes the maximum loan amount and interest rate that can be applied. You can choose the loan payback period as the borrower, and it should be between six and twenty-four months.

What is the RBI's new gold loan regulation?

For gold loans from banks and NBFCs, the RBI has specified a minimum loan amount of Rs.1000 and Rs.10,000, respectively. Borrowers must present Know Your Customer (KYC) documentation, such as evidence of identification, address, and income, in order to be eligible for a gold loan.

How is the value of gold determined for a loan?

You may determine how much financing you can obtain based on the weight of your gold by calculating the Gold Loan per gramme. For example, if the lender gives a Loan-to-Value (LTV) ratio of 75% and the current price of gold is Rs.5,000 per gramme, the loan amount would be Rs.3,750 per gramme.

Gold Loan Calculator

Gold loans are provided to customers looking for immediate liquidity by pledging their gold and related jewelleries and ornaments against a fixed amount. This amount can be repaid in flexible forms such as EMIs or bulk payments.

Updated On - 03 Oct 2025

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The loans are offered by major private and public sector financial institutions in India. Gold loans are a great means to get liquidity in a hassle-free manner.

Gold Loan Interest Calculator

Gold loan calculators are available from some of the providers with a significant online presence. These calculators are simple tools that allow you to make permutations regarding the loan amount, repayment tenure or interest rates. The calculator allows you to get a perspective on the actual financials of your transactions.

A General Gold Loan Calculator will have the following Fields:

Loan amount - This is the overall principal amount of the loan you are seeking or have availed.
Repayment tenure - The repayment tenure denotes the period of time over which you will be repaying the loan amount. You can select the number of months that you are comfortable repaying the loan in.
Interest rate - This is the rate of interest you will be charged on your gold loan. This figure will vary from provider to provider.

All you need to do is enter the relevant information and click on submit. You will be shown the monthly repayment amount that you have to give as well as the break-up of principal and interest amounts.

Calculate with Gold Loan Calculator

One of the best ways to find out the amount of gold you have to see how much money you can borrow is by using the Gold Loan Calculator. To use it:

Enter the number of gold ornaments you will be splurging.
Enter their weights along with purity in carats.
The application will tell you how much those gold items can secure you. Also, you can mention the duration for which you would want to lend and the amount to get the required interest amount on the loan.

The Features of Gold Loan Calculator

The Gold Loan Calculator serves sundry purposes that make it a great tool for financial planning.

Precise Planning of Loan: You can visualize the type of loan that you will be able to manage in addition to your goals due to the exact detailing of the loan just before applying for a loan.

Customised Calculation: This simply means that you can calculate the amount of loans for the gold pledged and duration over which the amount needs to be repaid, which will in turn lead to interest payable.

Informed Decision-Taking: By trying different options of the loan amount, tenures, and interest conditions (with or without agricultural documents), you get to choose the most beneficial one depending upon your requirements.

This application can bring clarity regarding financial obligation of borrowing. It is very helpful in good decision making with confidence and keeps the borrower informed.

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FAQs on Gold Loan Calculator

What are the advantages of a gold loan?
Gold loans provide a practical means of accessing money when needed and releasing the latent value of idle gold holdings. They offer liquidity to satisfy urgent financial demands or objectives with little paperwork and speedy approval.
What is the gold loan rule?
The majority of lenders demand that borrowers be between the ages of 18 and 65. Ownership: The gold you are guaranteeing must be yours. Generally speaking, only jewellery weighing 18 to 24 carats is permitted. Income proof is typically not needed, therefore people of all income levels can apply.
What is the basis for granting a gold loan?
After assessing the gold offered as collateral, the bank establishes the maximum loan amount and interest rate that can be applied. You can choose the loan payback period as the borrower, and it should be between six and twenty-four months.
What is the RBI's new gold loan regulation?
For gold loans from banks and NBFCs, the RBI has specified a minimum loan amount of Rs.1000 and Rs.10,000, respectively. Borrowers must present Know Your Customer (KYC) documentation, such as evidence of identification, address, and income, in order to be eligible for a gold loan.
How is the value of gold determined for a loan?
You may determine how much financing you can obtain based on the weight of your gold by calculating the Gold Loan per gramme. For example, if the lender gives a Loan-to-Value (LTV) ratio of 75% and the current price of gold is Rs.5,000 per gramme, the loan amount would be Rs.3,750 per gramme

Important Personal Loan Pages

Personal Loan Eligibility by Banks

Personal Loan Interest Rates by Bank

Personal Loan EMI Calculator by Bank

Personal Loan Customer Care by Bank

Personal Loan Status Track by Bank

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