About this tool
Explore a gold-loan estimate using entered gold, valuation and loan-to-value assumptions. Treat the result as a discussion aid and compare it with the lender’s actual valuation and eligibility process.
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server.
मुख्य इनपुट और नियंत्रण हिंदी में देखने के लिए ऊपर “🇮🇳 हिंदी में देखें” चुनें। गणना और फ़ाइल प्रोसेसिंग इसी ब्राउज़र टैब में होती है; टूल आपके इनपुट हमारी होस्टिंग पर नहीं भेजता।
Features
- Work with Net Gold Weight (Excl. Stones/Gems) (Grams); Assumed 22K Reference Price per Gram (₹); Illustrative LTV Ratio (Check Applicable Tier) (%).
- Gold Purity (Karat): choose from 24K (99.9%); 22K Standard Ornament (91.6%); 18K Ornament (75%).
- Review 22K Equivalent Weight; Assessed Gold Value; Illustrative Loan (@ 75% LTV) in the result breakdown.
Benefits
- Separate metal-value assumptions from the loan estimate.
- Compare purity or valuation scenarios consistently.
Who should use this tool?
- People reviewing a gold-loan quotation.
- Borrowers checking an illustrative collateral calculation.
How to use
- Complete the labelled fields for your scenario, including Net Gold Weight (Excl. Stones/Gems) (Grams); Assumed 22K Reference Price per Gram (₹); Illustrative LTV Ratio (Check Applicable Tier) (%). Use the units shown beside each field.
- Choose Gold Purity (Karat) to match the situation you want to check.
- Select Calculate / Run Tool and review Illustrative Gold Loan & Monthly Interest and 22K Equivalent Weight; Assessed Gold Value.
- Check the assumptions and limitations below. Adjust a value to compare scenarios, then copy or download the result you need.
Try these worked examples
| Scenario | Example inputs | Example result |
|---|---|---|
| 50g 22K Gold @ ₹7,100/g (75% LTV, 9.5% p.a.) | Net Gold Weight (Excl. Stones/Gems) (Grams): 50Gold Purity (Karat): 22K Standard Ornament (91.6%)Assumed 22K Reference Price per Gram (₹): 7100Illustrative LTV Ratio (Check Applicable Tier) (%): 75Annual Gold Loan Interest Rate (% p.a.): 9.5 | ₹2,66,250 Loan | ₹2,108/mo Interest |
| 100g 18K Gold @ ₹7,100/g (75% LTV, 10.5% p.a.) | Net Gold Weight (Excl. Stones/Gems) (Grams): 100Gold Purity (Karat): 18K Ornament (75%)Assumed 22K Reference Price per Gram (₹): 7100Illustrative LTV Ratio (Check Applicable Tier) (%): 75Annual Gold Loan Interest Rate (% p.a.): 10.5 | ₹4,35,682 Loan | ₹3,812/mo Interest |
Reference and processing
RBI Lending Against Gold and Silver Collateral Directions, 2025 · Listed applicability: Directions adopted no later than 2026-04-01; checked 2026-11-07
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server.
FAQs
Will a lender value the full ornament weight as gold?
The lender applies its valuation process, including treatment of purity and non-gold components. Enter a suitable net-weight assumption and verify it against the actual assessment.
Which inputs do I need for Gold Loan Illustrative Valuation & Interest Calculator?
Use Net Gold Weight (Excl. Stones/Gems) (Grams); Gold Purity (Karat); Assumed 22K Reference Price per Gram (₹); Illustrative LTV Ratio (Check Applicable Tier) (%), then complete the remaining fields for your scenario. The built-in examples show how those fields fit together.
What should I check before using this result?
Banks value only the net gold weight (excluding stones, gems, and making charges) scaled to 22-Carat purity. Check current official rules and your own circumstances before making a filing or financial decision.
What happens to the information I enter?
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server. Tool favourites save only tool IDs in this browser. Sharing sends the tool link, not your working values or files.