Gold Loan Calculator

How is a gold loan calculated?

In two parts: how much you can borrow, a share of the gold's value that RBI caps (85% on loans up to ₹2.5 lakh), and the interest, paid in EMIs, every month or with the loan at the end. In EMIs, lenders charge interest each month on the balance still owed (reducing balance). With a loan amount P, a monthly rate r (yearly rate ÷ 12 ÷ 100) and n monthly instalments:

EMI = P × r × (1 + r) ⁿ ÷ ((1 + r) ⁿ − 1)

Example: a gold loan of ₹1,00,000 at 10% for 1 year is an EMI of ₹8,792. You pay ₹5,499 in interest, ₹1,05,499 in all. The rate is an example: yours depends on the lender and your credit score.

Gold loan per gram: how much can you get?

At Hyderabad's 22-carat rate on 29 October 2026, ₹13,195 a gram, lenders may lend up to ₹11,215 a gram of 22-carat gold (85%) on a loan up to ₹2.5 lakh. The share falls as the loan grows (85% of the gold's value on loans up to ₹2.5 lakh, 80% up to ₹5 lakh and 75% above that), and a bullet loan counts the interest due at the end too:

Gold loan interest per month

At 10% a year, the interest on ₹1 lakh is ₹833 a month; at a rupee interest of ₹1 per ₹100 a month (12% a year), ₹1,000. Paid every month, the loan amount stays the same; unpaid, it is due with the loan at the end.

Repaying without EMIs

Many gold loans are not repaid in EMIs. Choose "Repay as" above:

• Interest monthly: only the interest each month (P × r), and the loan amount at the end. On the example, ₹833 a month and ₹1,00,000 at the end: ₹10,000 of interest.
• All at the end (bullet): nothing until the end, then the loan amount and the interest together. With simple interest (P × r × n) that is ₹1,10,000; with compound interest added every month, ₹1,10,471.
• Compound interest (చక్రవడ్డీ): the unpaid interest joins the loan every month, 3 months, 6 months or year, and earns interest too. Lenders differ: many banks and NBFCs add it monthly, private lenders often once a year; the loan papers say which. Over 2 years at 10%, ₹1,00,000 grows to ₹1,21,000 with yearly compounding, against ₹1,20,000 with simple interest.

In EMIs the balance falls every month, so the interest is lower (₹5,499), but the monthly payment is higher.

Rate quoted in rupees (రూపాయి వడ్డీ)? ₹1 per ₹100 a month is 12% a year, 1 rupee 50 paise is 18%, ₹2 is 24%: choose "₹ per ₹100 a month" above and type it as it was told to you. The simple interest calculator has more on rupee interest.

Good to know

• Type the gold you pledge above to see the most you can borrow on it. Lenders value it at their own rate, from IBJA's 22-carat price, and weigh only the gold, so their figure can be a little lower than the table's; 18-carat gold counts in proportion. The gold rate calculator has the day's rates.
• From April 2026, RBI lets lenders give up to 85% of the gold's value on loans up to ₹2.5 lakh, 80% up to ₹5 lakh and 75% above that. These limits are for loans for personal use; for farming or a business, the lender's own policy sets the limit. On a bullet loan the limit counts all that is due at the end, the interest too: at 10% for a year, about 77% of the gold's value can be lent, not 85%.
• A bullet gold loan (everything paid at the end) from a bank or NBFC can run at most 12 months under RBI's rules from April 2026; to keep the gold pledged longer, pay the interest due and renew the loan.
• If the loan is not repaid, the lender can auction the gold after due notice: borrow what you can repay.

గ్రాము బంగారానికి ఎంత గోల్డ్ లోన్ వస్తుంది?

29 October 2026 నాటి హైదరాబాద్ 22 క్యారెట్ ధర గ్రాముకు ₹13,195. ఆర్బీఐ నిబంధనల ప్రకారం ₹2.5 లక్షల వరకు రుణానికి బంగారం విలువలో 85% వరకు, అంటే గ్రాముకు ₹11,215 వరకు ఇవ్వొచ్చు; ఒక సవరం (8 గ్రాములు)కు ₹89,726. ₹1 లక్ష గోల్డ్ లోన్‌కు 10% వడ్డీతో నెలకు ₹833; రూపాయి వడ్డీ అయితే ₹1,000.

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