Adjust the loan amount, interest rate and tenure. Results update in real time as you change the values.
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How much can I borrow against gold?
Lenders typically offer up to 75% of the current market value of the pledged gold, subject to RBI guidelines and lender policy. The exact loan-to-value ratio varies by lender.
What is the typical tenure for a gold loan?
Gold loans usually have short tenures ranging from a few months to 2 or 3 years. The EMI is higher for shorter tenures but total interest is lower.
What interest rate should I expect on a gold loan?
Indicative gold loan rates range from about 9% to 15% p.a., depending on the lender and loan-to-value ratio. Rates are indicative and vary by lender.
Is a gold loan secured?
Yes, a gold loan is secured against your gold jewellery, which is held by the lender until repayment. This security usually makes gold loans cheaper than unsecured personal loans.
Can I repay a gold loan early?
Yes, most lenders allow early repayment, sometimes with a small foreclosure charge. Repaying early reduces the total interest paid.
Interest rates shown are indicative and change frequently. This calculator is for estimation only - verify current rates and terms with your lender before applying. This is not financial advice.
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