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
Total weight of the gold you'll pledge
Today's 24K rate per gram — edit to your city's rate
RBI cap: 85% for loans up to ₹2.5 lakh, 80% up to ₹5 lakh, 75% above
Gold loan you can get
₹4,64,062
Market value of your gold
₹6,18,750
Loan value per gram
₹9,281
How it's worked out
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.
This shows how much gold loan you can get on 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. RBI caps the LTV by loan size: 85% for loans up to ₹2.5 lakh,80% up to ₹5 lakh and 75% above, so a lender always keeps a 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.
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 LTV ceiling follows RBI's gold-loan directions in force from 1 April 2026: 85% for loans up to ₹2.5 lakh, 80% up to ₹5 lakh, 75% above, for banks and NBFCs alike. Actual valuation, applicable rate and final LTV are at the lender's discretion. Not financial advice.
- Gold price and the lender's LTV/rate change daily.
- Excludes processing and valuation charges.
- 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, which RBI caps by loan size. Gold prices move daily, so the per-gram figure changes with them. Enter today's rate in the calculator above 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. Since 1 April 2026 RBI caps it by loan size, for banks and NBFCs alike: up to 85% for loans up to ₹2.5 lakh, 80% for loans above ₹2.5 lakh up to ₹5 lakh, and 75% above ₹5 lakh. On a bullet repayment loan the cap counts the interest due at maturity too, so the sanctioned amount is lower. The rest of the value is the lender's buffer 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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