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Enter the weight of your gold and its purity in karats. See the market value of the gold content and the maximum loan available against it at the RBI loan-to-value cap.
Move a slider or type a number. Everything updates instantly, and the link above carries your values so you can share or save them.
Gross weight of the jewellery. Stones and beads are deducted by the lender.
Most Indian jewellery is 22K. Only the gold content counts towards the loan.
Check today's rate before you rely on this. Gold moves daily.
The RBI caps banks at 75% of the gold's value.
You could borrow up to
₹2,47,500
against 50g of 22K gold
Market value of your gold
₹3,30,000
The remaining 25% is the lender's safety margin against a fall in the gold price.
50g x 22K
Principal and interest together, balance falls each month
₹2,47,500 principal + ₹29,700 interest, all due on the last day
Bullet repayment suits a short gap where money is definitely coming. If you plan to save up month by month, take the EMI option — the discipline is built in.
If you cannot repay, the lender auctions your gold. You get notice first and any surplus is returned, but the jewellery is gone. For family gold, that is a real risk, not a theoretical one. Pledge only with a bank or a large regulated NBFC.
Value = weight x (karat / 24) x rate per gram of 24K. Loan = value x LTV%.
Nothing is hidden. The same formula runs in a shared, unit-tested library used by every calculator on this site.
These numbers are indicative. Your actual offer depends on the lender.
This calculator assumes the rate stays the same for the whole tenure. Most loans in India are floating rate, so your EMI can move when the RBI changes rates. Tell us your real situation and we will give you a figure you can plan around.
Questions
What people ask us most about this calculation.
We will tell you which lenders are likely to say yes to your file, and at roughly what rate, before you apply anywhere.
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