Gold Loan Eligibility Calculator
Monthly Income
Interest Rate
Loan Tenure (months)
Eligibility Summary
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Estimated Eligible Loan Amount
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Gold Loan Eligibility Calculator
The DhanLift Gold Loan Eligibility Calculator helps you estimate the loan amount you may be eligible for before applying for a gold loan. While gold loan approval primarily depends on the value and purity of the pledged gold, some lenders also evaluate repayment capacity, income and existing financial obligations. This calculator provides an estimated eligibility based on standard lending assumptions to help you plan your borrowing and compare different repayment scenarios.
How to Use Gold Loan Eligibility Calculator?
Enter your monthly income.
Select the expected annual interest rate.
Choose your preferred repayment tenure.
The calculator estimates your potential gold loan eligibility based on standard repayment assumptions. Actual loan amount depends on the value and purity of the pledged gold and lender policies.
Formula for Gold Loan Eligibility Calculator
FOIR (Fixed Obligation to Income Ratio) is typically 40–60% depending on the lender. This calculator uses 50% as a standard estimate.
Example
Gold loan approval is primarily based on the market value, purity and weight of the pledged gold, along with the lender's Loan-to-Value (LTV) policy. Actual eligibility may differ from this estimate.
Benefits of Using the Gold Loan Eligibility Calculator
Why thousands of borrowers start here before applying.
Estimate Your Borrowing Capacity
Understand the approximate gold loan amount you may qualify for before applying.
Better Loan Planning
Estimate your funding requirement and repayment capacity.
Compare Different Scenarios
Adjust income, tenure and interest rate to compare multiple eligibility estimates.
Apply More Confidently
Know your estimated eligibility before approaching lenders.
Instant & Free Calculator
Get an instant estimate without any registration or paperwork.
Factors That Affect Gold Loan Eligibility Calculator
Understanding these variables helps you estimate more accurately and plan better.
Gold Value & Purity
The market value and purity of your pledged gold are the primary factors determining gold loan eligibility.
Loan-to-Value (LTV)
Lenders can offer loans up to the RBI-prescribed LTV limit based on the value of your gold.
Monthly Income
Some lenders also evaluate repayment capacity and income before approving higher loan amounts.
Interest Rate
Lower interest rates generally improve borrowing capacity.
Repayment Tenure
Longer repayment periods may improve affordability by reducing monthly EMI.
Credit Profile
Although many gold loans have minimal credit score requirements, a stronger credit profile may help obtain better loan terms.