How much gold loan can I get per gram?

It's the per-gram value of your gold's purity times the lender's loan-to-value ratio (up to 75%). For 22K gold at a 24K rate of ₹7,200/gram, one gram of pure-gold content is worth about ₹6,600, so the loan works out to roughly ₹4,900–5,000 per gram at 75% LTV. Use the calculator above with today's rate for the exact figure.

What is the LTV on a gold loan?

LTV (loan-to-value) is the share of your gold's market value a lender will advance. The RBI caps banks at 75%; NBFCs operate around the same level. So if your gold is worth ₹1,00,000, the maximum loan is about ₹75,000. The rest is the lender's safety margin against price swings.

Does jewellery purity affect the loan amount?

Yes — only the pure-gold content counts. 24K is treated as pure, 22K jewellery is about 91.6% gold, and 18K is 75%. Stones, beads and the making charges in jewellery are excluded from the valuation, so a 22K ornament is valued lower than its total weight suggests.

Is income or a credit score needed for a gold loan?

No. A gold loan is secured by the pledged gold, not your income, so there's usually no income proof or credit-score requirement — which is why it's quick to get. Eligibility is based purely on the gold's weight, purity and the current rate.

How is the gold valued for the loan?

Lenders value gold on its purity-adjusted weight at the current rate, usually a recent average rather than a single day's price. Your loan is that value times the LTV. The rate moves daily, so the eligible amount changes with the market — pledge when the rate is higher and you can borrow more on the same gold.

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Gold Loan Calculator

How much loan you can get per gram of gold

Reviewed by the PaisaTools Editorial Team · Last reviewed September 2026

How to use: Enter the gold's weight, purity and today's rate — we show the loan amount you can get at up to 75% LTV.

Example50g of 22K gold at ₹7,200/g → about ₹2.5 lakh loan at 75% LTV

How much gold do you have?

Total weight of the gold you'll pledge

Purity (carat)

Today's gold rate (24K/gram)?

₹

Today's 24K rate per gram — edit to your city's rate

How much can you borrow against it?

RBI caps banks at 75% of the gold's value

Gold loan you can get

₹2,47,500

Market value of your gold

₹3,30,000

Loan value per gram

₹4,950

How it's worked out

Gold weight50 g

Purity (22K)91.7% pure

24K rate / gram₹7,200

Pure gold value₹3,30,000

Loan at 75% LTV₹2,47,500

This is the income-free, security-based ceiling. The actual amount also depends on the lender's purity test and gold rate on the day — and only the gold content counts, so stones and the making charges in jewellery are excluded.

How it works

This shows how much gold loan you can geton the gold you pledge. Enter the weight, pick the purity (22K is most common for jewellery), set today's 24K rate, and it works out the market value of the pure-gold content and the loan at your chosen LTV.

A gold loan is secured by the gold itself, so unlike a home or personal loan it doesn't depend on your income or credit score — eligibility is just purity-adjusted weight × rate × LTV. The RBI caps banks at 75% LTV, so a lender keeps a 25% buffer against gold-price swings. Only the gold content counts: stones and the making charges baked into jewellery are excluded.

The figure here is the income-free ceiling on what you can borrow. The exact sanction depends on the lender's own purity test and the rate they apply on the day. Comparing borrowing options? See our home loan eligibility and EMI calculators too.

Method & sources

Eligibility is computed as weight × (carat ÷ 24) × 24K rate × LTV%, using purity factors of 100% for 24K, 91.6% for 22K and 75% for 18K. The 75% LTV ceiling follows RBIguidelines for gold loans from banks. Actual valuation, applicable rate and final LTV are at the lender's discretion. Not financial advice.

What this doesn't cover

Gold price and the lender's LTV/rate change daily.
Excludes processing and valuation charges.

Frequently asked

How much gold loan can I get per gram?: It's the per-gram value of your gold's purity times the lender's loan-to-value ratio (up to 75%). For 22K gold at a 24K rate of ₹7,200/gram, one gram of pure-gold content is worth about ₹6,600, so the loan works out to roughly ₹4,900–5,000 per gram at 75% LTV. Use the calculator above with today's rate for the exact figure.
What is the LTV on a gold loan?: LTV (loan-to-value) is the share of your gold's market value a lender will advance. The RBI caps banks at 75%; NBFCs operate around the same level. So if your gold is worth ₹1,00,000, the maximum loan is about ₹75,000. The rest is the lender's safety margin against price swings.
Does jewellery purity affect the loan amount?: Yes — only the pure-gold content counts. 24K is treated as pure, 22K jewellery is about 91.6% gold, and 18K is 75%. Stones, beads and the making charges in jewellery are excluded from the valuation, so a 22K ornament is valued lower than its total weight suggests.
Is income or a credit score needed for a gold loan?: No. A gold loan is secured by the pledged gold, not your income, so there's usually no income proof or credit-score requirement — which is why it's quick to get. Eligibility is based purely on the gold's weight, purity and the current rate.
How is the gold valued for the loan?: Lenders value gold on its purity-adjusted weight at the current rate, usually a recent average rather than a single day's price. Your loan is that value times the LTV. The rate moves daily, so the eligible amount changes with the market — pledge when the rate is higher and you can borrow more on the same gold.

Related guides

How much gold loan can you get? LTV, rates and the real mathA gold loan is one of the fastest ways to borrow in India — but you don't get your gold's full value. A rule called LTV caps it. Here's exactly how the amount is worked out.

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