CibilBazaar
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Continue with GoogleA gold loan lets you borrow money against gold jewellery or coins that you pledge with a bank or NBFC. Use the CibilBazaar Gold Loan Calculator to estimate how much loan you can get on your gold, along with the EMI, interest and total repayment for different repayment options.
Enter the weight, purity and rate of your gold, choose how much of the eligible amount you need, then set the interest rate, tenure and repayment type to see the numbers instantly.
You may also find our EMI Calculator and Loan Eligibility Checker useful.
Your loan amount depends on the value of your gold and the Loan-to-Value (LTV) ratio. Gold value = net weight × gold rate per gram × (karat ÷ 24). Loan amount = gold value × LTV.
Under the RBI directions effective 1 April 2026, the maximum LTV for gold loans taken for consumption purposes is 85% for loans up to ₹2.5 lakh, 80% for loans above ₹2.5 lakh and up to ₹5 lakh, and 75% for loans above ₹5 lakh. This calculator applies these slabs automatically.
Add the net weight of your gold in grams, excluding stones and other materials.
Choose 18K, 22K or 24K, as shown on your hallmark or valuation slip.
Update the 24K rate per gram to today's rate.
Choose how much you need, the interest rate and the loan tenure.
See EMI, monthly-interest and bullet repayment side by side.
Higher weight and higher karat purity mean a higher gold value and a larger loan.
Loan value moves with the market rate of gold, so eligibility can change from day to day.
The RBI slab caps how much of the gold value a lender can finance.
A lower rate and shorter tenure reduce the total interest you pay.
Know your eligible amount before you visit a branch.
See how EMI, monthly-interest and bullet plans differ in cost.
Borrow only what you need and avoid over-leveraging your gold.
Save the result as a file or share the link.
Lenders value gold on net weight and purity after testing, and deduct stones and impurities. They also use their own benchmark rate, so the actual offer may be lower than this estimate.
The bullet plan here assumes simple interest. Some lenders compound interest or have different repayment rules, and tenure options vary. Confirm all terms with the lender.
You can get up to the LTV cap on your gold value: 85% for loans up to ₹2.5 lakh, 80% for ₹2.5 lakh to ₹5 lakh, and 75% above ₹5 lakh, as per RBI directions effective 1 April 2026. The lender's own valuation decides the final amount.
Gold value is the net weight multiplied by the gold rate per gram and the purity factor, for example 22K ÷ 24K. Lenders use their own valuation after testing the purity.
In a bullet loan you repay the principal and the accumulated interest in one payment at the end of the tenure. There are no monthly instalments.
With an EMI plan each payment includes both principal and interest. With a monthly interest plan you pay only the interest each month and repay the principal at the end.
Yes. Higher purity means a higher gold value, so you are eligible for a larger loan. Lower purity gold is valued at less.
No. It is an estimate. The final loan amount, rate and charges are decided by the lender after valuing your gold.
Disclaimer: Gold loan results are estimates provided for informational purposes only and do not constitute a loan offer, approval or commitment. CibilBazaar is a loan marketplace and is not a bank or NBFC. Please verify the latest information with the relevant bank or NBFC before submitting your application.
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