Calculators · Gold loan
Your gold's worth, in loan terms.
Enter your jewellery's weight and purity with today's gold rate. You'll see the value of your gold, the maximum loan the RBI's 75% loan-to-value cap allows, and the EMI at your rate and tenure.
How gold loan eligibility is calculated
Lenders value your gold as: weight in grams × purity factor × today's rate per gram of 24K gold. A 22K ornament carries a purity factor of 22 ÷ 24 ≈ 0.916, so 40 grams of 22K jewellery at ₹9,200/gram (24K) is worth about ₹3.37 Lakhs.
The RBI caps gold-loan disbursal at 75% of that value (the loan-to-value or LTV ratio), so the maximum loan on that jewellery is about ₹2.53 Lakhs. Only the gold content is valued — stones, making charges and gemstones are excluded.
What affects your per-gram loan amount
Three things move the number: the prevailing gold price (it changes daily — edit the rate field to today's price), the purity of your ornaments (hallmarked 22K jewellery is the most common pledge), and the lender's LTV policy, which can be under the 75% cap for longer tenures.
Gold loans are secured, so rates run far lower than personal loans — from 7.99% p.a. on Samridhya — and disbursal is typically same-day since credit history matters less than the collateral.
Common questions.
How much loan can I get per gram of gold?
At ₹9,200 per gram (24K) and the RBI's 75% LTV cap, 22K jewellery yields roughly ₹6,300 per gram. The exact figure moves with the daily gold rate — update the price field to today's rate.
What is the maximum LTV for gold loans?
The RBI caps gold-loan LTV at 75% of the gold's assessed value. Some lenders offer slightly less on longer tenures or bullet-repayment schemes.
Is 18K or 22K jewellery accepted for gold loans?
Most lenders accept 18K–24K gold jewellery. 22K hallmarked ornaments are the most common. Coins are usually accepted up to 50 grams if 24K, and stones or making charges are excluded from valuation.
What is the interest rate on gold loans?
Gold loan rates on Samridhya start at 7.99% p.a. — significantly cheaper than unsecured loans, because the gold secures the lender.
How fast is gold loan disbursal?
Usually the same day. Valuation takes minutes at the branch, and the money is credited once the pledge is documented.