🏦 Gold Loan Calculator
Calculate loan amount against your gold at live spot price - LTV, EMI, interest & repayment schedule
🥇 Gold DetailsSpot: $4,686/oz
50.000g total
Gold Value (22K - 50.0g)$6,905
50%75% (RBI max)90%
🏦 Loan Terms
7% (bank)~12% avg26% (NBFC)
3m12m24m48m
Gold Value
$6,905
22K - 50.0g
Loan Amount
$5,179
75% LTV
Monthly EMI
$457
x 12 months
Total Interest
$299
10.5% p.a. - 12m
Payment Breakdown
Principal
$5,179Interest
$299Total$5,478
Loan Summary
Loan Amount$5,179
Annual Rate10.5%
Tenure12 months
Monthly EMI$457
Total Interest$299
Total Repayment$5,478
Effective Cost5.8% on loan
Loan Balance - Month by Month
Gold Loan Tips
💡Always compare rates from 3+ lenders - range is 8-24% p.a. in India, 7-15% in USA/UK.
📋LTV cap is 75% in India (RBI mandate for NBFCs). Banks may offer up to 85%.
⚡Gold loans disburse in 15-60 mins - faster than personal loans. Great for emergencies.
🔒Your gold is held in a secure vault by the lender. It is returned fully on loan repayment.
⚠️Non-repayment triggers auction after a legal notice period. Protect your pledged gold.