Gold Loan Calculator
Gold loan EMI + eligibility — based on gold weight, purity, current price, and lender LTV (loan-to-value) ratio. Muthoot, Manappuram, and bank rates.
Result
- Gold value50g × ₹7,500 × 22K/24K₹343,750
- Monthly EMI₹22,906
- Total interest₹17,063
- Total repayment₹274,876
Personal-finance essentials
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How to use this calculator
- Enter total gold weight in grams.
- Choose purity (22K for typical jewellery).
- Enter current 24K gold price per gram (check MCX or jeweller).
- Choose LTV — 75% for banks, 90% for NBFCs (short-term).
- Enter interest rate + tenure in months.
- Read eligible loan amount + EMI.
About this tool
Gold loan is India's fastest-disbursed personal credit — often within 30 minutes, no credit score check, gold is held as collateral. RBI caps bank LTV at 75%; NBFCs (Muthoot Finance, Manappuram Finance) can go up to 90% for short-term (≤12 months) loans per revised RBI guidelines. Interest rates range 8-24% depending on lender type, LTV, and tenure. Popular for emergency medical, education, business working capital, and wedding expenses. If borrower defaults, lender auctions the gold to recover — so cheaper than personal loans but risk of losing family jewellery.
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