Gold Loan Calculator
Gold Value (Market Price)
Interest Rate
Loan Tenure (months)
Gold Loan Summary
Eligible Loan Amount
₹1.50 L
Compare instant loan offers from 55+ Banks & NBFCs
Get matched with the best loan options for your profile - no spam, no hard pull.
Gold Loan Calculator
A gold loan lets you unlock the value of your idle gold jewellery or coins to meet immediate financial needs. The DhanLift Gold Loan Calculator helps you estimate how much loan you can get against your gold and what the monthly interest outgo will be.
The maximum loan amount is determined by your gold's current market value and the Loan-to-Value (LTV) ratio - typically 75% as per RBI guidelines. For example, if your gold is worth ₹2,00,000, you can borrow up to ₹1,50,000.
Gold loans are typically structured as interest-only loans: you pay monthly interest during the tenure and repay the full principal at the end. Use this calculator to plan your gold loan and compare lenders across DhanLift's 55+ partner network.
How to Use Gold Loan Calculator?
Enter the current market value of your gold jewellery using the slider or by entering the amount manually.
Select the annual interest rate offered by your lender or adjust it to compare different borrowing scenarios.
Choose your preferred loan tenure in months.
The calculator instantly displays: Maximum Eligible Loan Amount Monthly Interest Payable Total Interest Payable Total Repayment Amount
Formula for Gold Loan Calculation
The maximum loan amount is 75% of the gold's market value (LTV ratio per RBI guidelines). Interest is charged on the outstanding loan amount. Most gold loans are interest-only - you pay monthly interest and repay the full principal at the end of the tenure.
Benefits of Using the Gold Loan Calculator
Why thousands of borrowers start here before applying.
Accurate Interest Calculation
Estimate your monthly interest payable and total borrowing cost instantly without performing manual calculations.
Better Financial Planning
Understand your monthly interest obligations and total repayment amount before applying for a gold loan.
Compare Different Loan Offers
Adjust the interest rate and tenure to compare offers from multiple banks and NBFCs.
Instant Loan Estimation
Know your maximum eligible loan amount based on your gold's current market value and RBI's LTV guidelines.
Free & Easy to Use
Use the calculator unlimited times without registration or charges.
Factors That Affect Gold Loan Calculator
Understanding these variables helps you estimate more accurately and plan better.
Gold Value
A higher market value of your gold increases the maximum loan amount you can borrow.
Loan-to-Value (LTV)
Most lenders offer up to 75% of your gold's assessed value, as permitted under RBI guidelines.
Interest Rate
Higher interest rates increase both your monthly interest payable and the overall borrowing cost.
Loan Tenure
A longer repayment tenure increases the total interest payable because interest is charged for a longer period.
Gold Purity
Higher purity gold generally receives a higher valuation, which may increase your eligible loan amount.