India Gold Loan Calculator
Estimate your loan amount and monthly EMI on a gold loan, based on your gold's appraised value and the lender's loan-to-value ratio.
Monthly EMI
₹17,304.35
- Loan amount
- ₹3,75,000.00
- Total interest
- ₹40,304.34
- Total payment
- ₹4,15,304.34
Assumptions
- Actual loan-to-value and appraised value depend on the specific lender and gold purity assessed
How it's calculated
Loan amount = gold value × loan-to-value%. EMI uses the standard amortization formula on that loan amount.
Worked example
₹5,00,000 in appraised gold value at 75% LTV gives a loan amount and EMI shown live above.
Frequently asked questions
Will my lender appraise my gold at the same value?
Not necessarily — appraised value depends on purity and current gold rates as assessed by your specific lender.