Gold Loan Calculator India
Estimate eligible loan amount per gram and compare common bank/NBFC assumptions.
Gold Details
22K (91.6% pure)
Baseline rate: ₹7,300/gram (24K) · Effective rate for 22K: ₹6,687/gram
Spot baseline snapshot: 16 May 2026 (IST). Not a bank pledge valuation.
What is the maximum loan per gram?
The maximum loan per gram depends on the current gold rate and your gold's purity. Under the RBI's 75% Loan-to-Value (LTV) mandate, lenders can offer at most 75% of the gold's market value as a loan. At a baseline rate of ₹7,300/gram for 24K gold, the maximum loan per gram works out to approximately ₹5,475 for 24K, ₹5,015 for 22K, and ₹4,106 for 18K.
How does RBI LTV affect gold loans?
The Reserve Bank of India sets a Loan-to-Value (LTV) cap of 75% on gold loans extended by banks and NBFCs. This means a lender can sanction a maximum of ₹75 for every ₹100 of gold pledged. The cap protects lenders from price fluctuations and borrowers from over-leveraging. If gold prices fall significantly, lenders may issue a margin call, requiring the borrower to either repay part of the loan or pledge additional gold to maintain the 75% ratio.