Gold Loan Calculator 2026
Calculate your maximum loan eligibility based on gold weight and purity. Compare interest rates from SBI, HDFC, Muthoot, Manappuram and IIFL. EMI vs bullet repayment side-by-side. Updated with RBI April 2026 tiered LTV norms.
RBI 2026 LTV norms
6 lenders compared
EMI + Bullet repayment
Amortisation schedule
Interest charts
Your gold details
22K assessed rate (June 2026: ~₹7,200/g) — adjust to current market rate
Gold market value
₹3,60,000
50g × ₹7,200 × 0.916
Max loan (RBI LTV)
₹2,88,000
80% LTV (₹2.5–5L bracket)
Loan details
RBI Tiered LTV (April 2026): Loans up to ₹2.5L → 85% LTV · ₹2.5–5L → 80% LTV · Above ₹5L → 75% LTV. Your max eligible loan updates automatically based on the loan amount.
Monthly payment
₹0
EMI / month
Total interest
₹0
Over tenure
Total payable
₹0
Principal + interest + fee
Processing fee
₹0
One-time charge
⚡ Bullet repayment
Monthly interest₹0
Total interest₹0
Final repayment₹0
📅 EMI repayment
Monthly EMI₹0
Total interest₹0
Savings vs bullet₹0
Interest vs principal breakdown
Monthly EMI breakdown — principal vs interest
Amortisation schedule
| Month | EMI | Principal | Interest | Balance |
|---|
⚠ Gold rates and interest rates are indicative only. Actual loan amount depends on lender's internal gold valuation, purity assessment (XRF testing), and RBI-mandated LTV compliance. Interest rates as of June 2026: SBI 8.75–9.50%, HDFC 9.0–10.0%, ICICI 9.0–10.5%, Muthoot 12–24%, Manappuram 12–28%, IIFL 11–18% p.a. Bullet repayment tenure limited to 12 months under RBI guidelines. Processing fee: 0.25–2% depending on lender. For informational use only — not financial advice.