Maximum Loan
₹0
at the 80% LTV bandYour Gold Is Worth
₹0
0g of pure gold, stones and making excludedEMI
₹0
over 12 monthsThe Arithmetic, on Your Numbers
If the Gold Price Falls
The flat 75% is gone, and most sources have not caught up. The RBI (Lending Against Gold and Silver Collateral) Directions, 2025 — notified on 6 June 2025, with regulated entities to comply by 1 April 2026 — replaced the single 75% ceiling with a tiered one: 85% for loans up to ₹2.5 lakh, 80% between ₹2.5 lakh and ₹5 lakh, and 75% above ₹5 lakh. The band is set by the loan amount, not by what your gold is worth, which is why the maximum does not rise smoothly — this calculator solves that boundary rather than ignoring it.
What the counter will not pay for. Jewellery is valued on its gold content alone. The making charge — often a fifth of what you paid — is worth nothing, and so are stones, whatever the bill said. Twenty-two carat is 22/24 pure, so 50 grams of 22K jewellery is 45.83 grams of gold. Lenders also value at an average of recent closing prices rather than today's spot, so the figure above is an upper bound.
This page asks for no income, and that is not an omission: a gold loan is secured on the metal, so a lender is not assessing your salary the way it would for an unsecured loan. What it does assess is the gold — purity is checked by assay, and the Directions require standardised assaying and transparent collateral handling. Charges beyond interest (processing, valuation, storage, and on some products an auction fee if it comes to that) are not modelled here; ask for them in writing, because on a short tenure they can outweigh the rate difference between two lenders.