Gold Loan Calculator
How much loan your gold jewellery can raise: gold value by purity, the maximum loan at your LTV and the interest you'll pay.
How to use the Gold Loan calculator
- Enter gold weight (grams), purity, today's 24K gold rate, loan-to-value, interest rate and tenure.
- Read the maximum loan at the top of the result, with value of your gold, interest per month, repay at end (bullet) underneath. It updates as you type.
- Change one input at a time to see what moves the answer most, then save the result with Copy link or Download PDF.
About this tool
Lenders value only the gold content, not making charges or stones, at a rate close to the market price. Enter today's 24K rate and the calculator adjusts for purity.
Worked example
With gold weight (grams) of 50, purity of 22 karat, today's 24k gold rate of ₹9,500, loan-to-value of 75%, interest rate of 10% and tenure of 12 months:
| Maximum loan | ₹3,26,562 |
| Value of your gold | ₹4,35,417 |
| Interest per month | ₹2,721 |
| Repay at end (bullet) | ₹3,59,219 |
Built and reviewed by Savitar Finance (savitarfinance@gmail.com). Rules and rates last checked October 2026. How we calculate · Report a problem
Questions people ask
How is gold loan amount calculated per gram?
Loan = weight × (24K rate × purity ÷ 24) × LTV. Stones and wastage are excluded from the weight.
What happens if gold prices fall?
If the loan exceeds the allowed LTV, the lender can ask you to repay part or add gold. Unpaid loans can lead to auction after notice.