Jewellery

Gold Loan Calculator: Eligible Amount (LTV), Interest and EMI

Free tool · Updated October 2, 2026 · By CouponTalk · Reviewed by CouponTalk Expert Reviews on October 2, 2026

Your result

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Quick answer

Under RBI rules for 2026, the most you can borrow against gold is 85% of its value for loans up to ₹2.5 lakh, 80% up to ₹5 lakh and 75% above that. Lenders value 22K gold at the lower of the previous day's rate and the 30-day average. 30 g of 22K at ₹9,170 a gram is worth ₹2,75,100, so the loan can go up to about ₹2.34 lakh.

How to use this calculator

Enter the net gold weight (lenders exclude stones) and purity.
Use the lender's 22K valuation rate if you have it.
Add the rate, tenure and how you want to repay.

Reference table

RBI gold loan LTV limits (bullet loans include interest due)
Loan amount	Maximum LTV	Max loan on ₹1,00,000 of gold
Up to ₹2.5 lakh	85%	₹85,000
₹2.5 lakh to ₹5 lakh	80%	—
Above ₹5 lakh	75%	—

Lenders set their own rates and fees within RBI rules. This is an estimate, not a loan offer.

Frequently asked questions

What is LTV in a gold loan?

Loan-to-value: the loan as a share of your gold's value. RBI caps it at 85% for loans up to ₹2.5 lakh, 80% up to ₹5 lakh and 75% above.

What is a bullet gold loan?

You pay principal and interest together at the end. Under RBI's rules the tenure is up to 12 months, and the interest due counts towards the LTV limit.

Is there a limit on how much gold I can pledge?

Yes: up to 1 kg of gold jewellery and 50 g of gold coins per borrower across lenders.