India fintech · Free
Gold Loan Calculator
How much loan your gold can get, and what it costs.
Gold value
₹4,58,000
Maximum loan
₹3,66,400
Up to 80% of value under RBI rules
Your loan
₹3,66,400
EMI (principal + interest)
₹32,554
Total interest ₹24,250
Interest-only monthly
₹3,664
Repay ₹3,66,400 at the end
Bullet (all at the end)
₹4,12,869
Monthly compounding
Estimates only. Lenders value gold at their own rate and may charge processing fees.
How to use it
- Enter your gold's weight, purity and today's 24K gold rate.
- Compare the interest-only and EMI repayment options.
What good looks like
- RBI rules (from April 2026): loans up to ₹2.5 lakh can be up to 85% of gold value, ₹2.5–5 lakh up to 80%, above ₹5 lakh up to 75%.
- Compare interest rates — they range from ~9% to 24%+ a year.
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India’s Gold Story (Chapter 3): How much gold in India
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