๐ก In Plain English: A gold loan is like pledging your gold for cash. The bank holds your gold safely. You pay monthly interest and get gold back when you repay the principal. Choose your country to see local lenders and prices.
Your Country
๐ก In Plain English: Tell us your metal type, purity, and weight. 22 Karat is most common for Indian jewellery. Weigh it on a kitchen scale. The spot price is auto-fetched but you can override it.
Metal Type
22K is most common for jewellery
1g โ 10,000g
Enter a valid weight (1g to 10,000g)
Enter live priceโฆ
Enter a valid price per gram
How many jewellery pieces
Enter 1 to 500 items
๐ก In Plain English: Leave "Loan Amount" blank to see your maximum. Tenure = months you need the loan. Shorter tenure = less interest paid total.
Leave blank for max eligibility
Min โน1,000
Auto-filled from lender
Enter a valid rate (1โ300%)
0% to 10%
Enter 0% to 10%
Repayment Scheme
Monthly Interest
Pay interest monthly, principal at end.
Bullet Payment
Pay everything at the end.
Monthly EMI
Equal principal + interest monthly.
โ ๏ธ Important Disclaimers & Next Steps
Visit Your BranchActual loan offers depend on lender valuation, your gold's hallmark certification, and current regulatory guidelines. Always visit a branch for a final quote.
Educational Estimates Only
The results shown are based entirely on the values you input. This tool is for educational purposes to help you understand how gold loans work and does not constitute a guaranteed offer from any bank or lender.
User-Defined Rates
This calculator does not fetch live market prices. The "Price per Gram" must be entered manually based on your local market. We recommend checking the 22K/24K rates from your local jeweler or a trusted financial news portal before calculating.
Tiered LTV RulesIn India, RBI guidelines allow higher LTV on smaller loan amounts. Loans above โน5 Lakh are capped at 75% LTV. Verify the latest RBI circular with your lender.
Your Gold Is SafeRegulated lenders store gold in insured, secure vaults. It is returned upon full repayment. Only pledge with RBI/FCA/MAS-licensed institutions.
Get Professional AdviceThis is not financial advice. Consult your bank, NBFC, or a certified financial advisor before pledging your jewellery.
Everything You Need to Know About Gold & Silver Loans
A gold loan is a secured loan where you pledge jewellery as collateral. Lenders hold your gold and return it once you repay. It's one of the fastest, lowest-documentation loans available.
How Is LTV (Loan-to-Value) Calculated?
LTV is the percentage of your metal's value the lender gives as a loan. In India, RBI now uses tiered LTV โ higher LTV for smaller loans, capped at 75% for loans above โน5 Lakh for NBFCs.
Tiered LTV for Gold Loans in India (2026)
- Up to โน2.5 Lakh: Up to 85% LTV (select NBFCs)
- โน2.5L to โน5 Lakh: Up to 80% LTV
- Above โน5 Lakh: Maximum 75% LTV (RBI cap)
Top Gold Loan Lenders in India 2026
- Muthoot Finance โ India's largest gold loan NBFC. Quick disbursal, 9โ26% p.a.
- Manappuram Gold Loan โ Online gold loans, starting 9.8% p.a.
- IIFL Gold Loan โ Doorstep service, rates from 9.24% p.a.
- SBI Gold Loan โ Lowest bank rate, 8.75% p.a.
- HDFC Bank Gold Loan โ 11โ16% p.a., pan-India branches.
Is a Gold Loan Better Than a Personal Loan?
Usually yes โ gold loans have lower rates (8โ26% vs 12โ36% for personal loans), disburse faster, need minimal docs, and don't depend on credit score.