Gold Loan Eligibility Calculator
Check how much you can borrow against your gold — enter your ornament's weight, purity, and LTV ratio.
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Gold Loan Eligibility (0)
No ornaments added yetAdd your gold ornaments above to check loan eligibility.
How it works
- 1Add your gold ornament(s)Search and add each ornament, entering its purity and net weight.
- 2Set your LTV ratioEnter the Loan-to-Value ratio your lender offers (commonly up to 75%).
- 3Check eligibilityCalculate to see your estimated eligible loan amount per ornament and in total.
Frequently asked questions
Your ornament's value (net weight × today's purity-adjusted gold rate) is multiplied by your selected Loan-to-Value (LTV) ratio to estimate the eligible loan amount.
RBI regulations cap gold loan LTV at 75% of the gold's market value for regulated lenders — this is a common default, though some lenders may offer a different ratio.
No — this calculator gives you a general eligibility estimate based on live gold rates and your chosen LTV. Actual offers vary by lender.
Yes — higher-purity gold (like 22K or 24K) has a higher per-gram value, which increases both the ornament value and the eligible loan amount.