Use intrinsic assessed gold value, not showroom price.
Gold Loan EMI Calculator
Estimate eligible gold-loan amount, EMI and total borrowing cost. Adjust the assumptions, inspect the chart and read the complete guide below.
02 Your projection
Estimated monthly EMI₹23,537Updates instantly as you edit
Loan principal₹5.00 L
Interest and fees₹69,882
Indicative LTV-based eligibility₹6.00 L
Projection journeyHover to inspect a year
Gold value should be the lender-assessed intrinsic metal value. Product may use EMI, interest-servicing or bullet repayment and must maintain applicable LTV.
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Five smart nudges
Use the result with context.
Borrow below maximum LTV where possible.
Compare EMI, interest-only and bullet structures.
Read auction notice and release terms.
Avoid repeated renewal without a repayment source.
Understanding Gold Loan in India
Editorially reviewed 13 July 2026 · Rules and assumptions can change
Gold value, LTV and usable cash
Lenders value the intrinsic eligible gold content rather than jewellery retail price, stones or making charges. A 75% LTV on ₹8 lakh assessed gold supports up to ₹6 lakh before lender caps, while asking for ₹5 lakh keeps a margin buffer.
LTV must often be maintained during the loan. Interest added to a bullet loan can consume that buffer, and a fall in assessed value or overdue balance can create auction risk.
EMI versus bullet repayment
This calculator models reducing-balance EMI. Many gold products instead require monthly interest with principal at maturity or a bullet payment. Compare the lender’s actual schedule and total outflow rather than substituting the EMI result.
Include valuation, processing, renewal, notice and auction charges. A short secured loan can still be expensive when rolled over repeatedly.
Collateral checklist
Record weight, purity, valuation, packet details, auction policy, notice address and release process. Verify the regulated lender and obtain receipts.
Gold pledged for an income interruption should have a credible repayment source; borrowing merely to speculate can risk both the investment and family jewellery.
Official sources used for this guide
Rates, thresholds and rules can change after the review date. Check the linked authority and the provider’s current documents before acting.
Gold Loan calculator FAQs
Is jewellery showroom value used?
No. Lenders generally use eligible intrinsic gold value under their valuation method.
Is every gold loan an EMI loan?
No. Interest-servicing and bullet structures are common.
Can pledged gold be auctioned?
The agreement and applicable rules can permit auction after default and notice.
Does maximum LTV mean a safe borrowing amount?
No. A lower utilisation provides more repayment and valuation margin.