Gold Loan Calculator
Instant Estimate
Switch between calculating by the gold you hold, or the cash you need. Adjust purity, rate, tenure and interest to see your eligible amount and approximate EMI.
* Indicative estimate only. Actual eligibility depends on appraised purity, weight, the prevailing gold rate on the day of pledge and applicable scheme terms. Loan-to-value is capped as per RBI norms. Interest rate slabs may apply retrospectively from the pledge date — please confirm final figures at a branch.
What Goes Into Your Estimate
Weight & Purity
Your jewellery is appraised for net gold weight after deducting stones and non-gold parts, then valued at its purity — 22K, 21K, 18K or 24K equivalent.
Prevailing Gold Rate
Valuation uses the applicable rate per gram on the day of pledge, so the same ornament can support a different amount on a different day.
Loan-to-Value Cap
The eligible amount is a percentage of the appraised value, capped in line with RBI norms — the calculator applies 75%.
Happy with the estimate?
Bring your ornaments to a branch for a free appraisal — most gold loans are disbursed the same day.