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Gold Loan Calculator

Estimate the loan amount you can get against your gold.

Last updated: 13 Aug 2026

Quick answer

A gold loan amount = grams × rate per gram × loan-to-value (LTV) ÷ 100. RBI caps LTV at 75%. For example, 50 g at ₹6,000/g and 75% LTV is about ₹2,25,000. Enter your gold details above.

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Estimate your gold loan: amount = grams × rate per gram × LTV ÷ 100. Lenders value the gold's purity and apply a loan-to-value ratio (capped at 75% by RBI).

How to calculate a gold loan amount

  1. 1 Enter the net weight of gold in grams.
  2. 2 Enter the applicable rate per gram and choose the LTV.
  3. 3 We estimate the eligible loan amount.

Frequently asked questions

How much loan can I get on gold?
Up to 75% of the gold value (RBI cap): grams × rate per gram × LTV. Purity and lender policy affect the final amount.
What rate per gram is used?
Lenders use a recent average price for the gold's purity (e.g. 22K), often lower than the retail rate.
Is only gold weight considered?
The net gold content is valued; stones and impurities are excluded.

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