Gold Loan EMI Calculator
Estimate eligible gold loan amount at up to 75% LTV and monthly EMI.
Gold Purity
Monthly EMI
₹11.90 K
Eligible Loan Amount: ₹2.58 L
Market Value
₹3.44 L
Total Interest
₹27.72 K
Total Returns
₹2.86 L
Gold Loan EMI Calculator visual insights
Monthly EMI
₹21.70 K
Total Interest
₹27.07 L
How to Use This Calculator
Enter Amount
Set your loan amount or investment using the slider or input field.
Set Rate & Tenure
Adjust the interest rate and time period to match your scenario.
Get Results
See your EMI, total interest, and full payment breakdown instantly.
Share & Plan
Share the result link or download the amortization schedule as PDF.
About Gold Loan EMI Calculator
Gold Loan EMI Calculator helps you compare EMI, interest outgo, repayment amount, and loan affordability using India-focused assumptions and INR formatting. Estimate eligible gold loan amount at up to 75% LTV and monthly EMI.
This tool is useful for borrowers in India planning home loans, personal loans, vehicle loans, education loans, and credit-card repayments. It is designed for quick planning before comparing bank offers, investment options, tax choices, or scheme rules with a qualified professional.
The calculations are tailored for users in India and use Indian number formatting, rupee values, and locally relevant finance terms wherever applicable.
Results are estimates for education and planning. Final decisions should use official documents, lender statements, scheme rules, tax notices, or advice from a qualified professional.
Frequently Asked Questions
What is the typical interest rate on a gold loan?
Bank gold loans usually charge 8-15% p.a. NBFC gold loans can go up to 24% p.a. Rates depend on LTV, tenure, and repayment type.
How much loan can I get against gold?
RBI allows banks to lend up to 75% of the market value of gold jewellery (LTV cap). Some NBFCs offer the same.
What happens if I default on a gold loan?
The lender can auction the pledged gold after giving notice (typically 14 days). Always repay before the tenure ends to reclaim your gold.
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Methodology & Formulas
All formulas used here comply with RBI guidelines and standard Indian financial conventions. Calculators are updated for FY 2026–27.
Last updated: April 2026