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gold loan calculator

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Gold to be pledged (in grams)

GM 1 tola=10 gm
gold calculator icon

Required Loan Amount


Select Interest Repayment Frequency

Rate of Interest ( Per Annum )
7 25
Gold EMI Calculator

Gold weight required

0 grams

Repayment Frequency


Interest Repayment

tenure Gold Loan have a fixed tenure of 12 months

Gold Loan have a fixed tenure of 12 months

How to Calculate EMI for a Gold Loan?

You can calculate the EMI amounts you are likely to pay using a Gold Loan EMI calculator. For this, you will be required to enter the weight of the gold you wish to mortgage or the required loan amount. Thereafter, enter the preferred frequency of repayment, that is either, monthly, bi-monthly, quarterly, half-yearly, or yearly. Then use the slider provided and choose the gold loan interest rate offered by your lender. On doing so, the calculations will be displayed on the screen.



The calculation results are based on the values you enter in the calculator. Your EMI amount (including the actual interest amount charged) will depend on the prevailing rates. The results are neither certified nor guaranteed. The repayment schedule presented is for illustration purposes. Confirm the values with your lender prior to applying for the gold loan.

FAQs and Support

What is the gold loan calculator?

A gold loan EMI calculator online helps you estimate the amount you can borrow against the value of your gold and the interest you need to pay. All you need to do is enter the weight and purity of your gold, along with the repayment option. 

What is the minimum and maximum tenure for a gold loan?

The tenure for a gold loan varies between a minimum of 7 days and a maximum of 60 months.

How is gold loan interest calculated?

The Gold Loan interest is calculated on the basis of the principal loan amount and the interest rate charged.

How much gold is required for a loan of ₹1 Lakh?

The amount of gold required for a loan of ₹1 Lakh depends on the current market price of gold and the lender's loan-to-value (LTV) ratio. For instance, to borrow a loan of ₹1 Lakh, you may need to provide approximately 28.53 grams of gold to the lender as collateral, as per current market rates.

What are the benefits of the gold loan calculator?

Gold loan EMI calculators help estimate your monthly instalments efficiently and quickly, saving time and effort. A gold loan calculator is easy to use and can help you make informed decisions about your loan. It can help determine the loan amount and EMI that suits your budget and financial goals the best.

What is the LTV available for a gold loan on a per gram basis?

As per RBI guidelines, you can borrow up to 75% of your gold’s appraised value. To understand this better, let’s assume that the value of 1 gram of the gold you mortgaged amounts to ₹8,000. In this case, the bank may allow you to borrow up to ₹6,000. 

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