Monthly EMI on a gold loan, with the most your gold can borrow under RBI rules
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 30 Oct 2026.A gold loan repaid in EMIs is limited by the principal: RBI lets a lender lend up to 85% of the gold’s value on a loan of ₹2.5 lakh or less, 80% up to ₹5 lakh and 75% above that.
| Gold value | LTV that applies | Maximum loan |
|---|---|---|
| ₹1,00,000 | 85% | ₹85,000 |
| ₹3,00,000 | 85% | ₹2,50,000 |
| ₹6,00,000 | 80% | ₹4,80,000 |
| ₹6,50,000 | 80% | ₹5,00,000 |
| ₹7,00,000 | 75% | ₹5,25,000 |
| ₹10,00,000 | 75% | ₹7,50,000 |
Rates and rules read from RBI (Lending Against Gold and Silver Collateral) Directions, 2025 on 30 Oct 2026; they may have changed since.
The page opens with Repayment on Monthly EMI; enter the Net gold weight and 24K rate per gram.
Enter the lender's interest rate and the Tenure in months.
Type the "Loan you want (0 = the most)", or leave it at 0 to cost the largest loan.
Read the EMI, the interest over the tenure and Total repaid, then press Share result.
Enter the weight, karat and today’s 24K rate to see the most you can borrow, the monthly EMI at your lender’s rate and the total interest over the tenure.
A gold loan is capped by the value of the gold you pledge. This calculator values the gold from its net weight (stones and wax removed), its karat and the 24K rate you enter, then applies the Reserve Bank of India's loan-to-value limits and works out the interest.
The RBI limits. The Reserve Bank of India (Lending Against Gold and Silver Collateral) Directions, 2025, issued on 6 June 2025 and binding on every bank and NBFC by 1 April 2026, set the maximum LTV for loans taken for personal use at 85% when the loan is ₹2.5 lakh or less, 80% above ₹2.5 lakh up to ₹5 lakh, and 75% above ₹5 lakh. Because the tier depends on the loan, the calculator walks all three and keeps the largest loan that fits: ₹6.5 lakh of gold gets ₹5 lakh at 80%, not ₹4.875 lakh at 75%.
Bullet or EMI. For a bullet loan, where you pay everything at the end, RBI counts the principal plus all the interest due at maturity inside the LTV, and caps the tenor at 12 months (renewable). So a bullet loan gets less principal than an EMI loan on the same gold. Bullet interest is worked as simple interest for the tenure; EMI loans on a reducing balance.
The rest of the article, and all 6 questions about Gold Loan Calculator, are on the Gold Loan Calculator page.
Multiply the weight by the 24K rate per gram and by 0.916 for 22K, then by the LTV. At ₹10,000 a gram of 24K, 10 grams of 22K is worth ₹91,600, and a loan under ₹2.5 lakh repaid in EMIs can reach 85% of it, ₹77,860. A 12-month bullet loan at 12% gets ₹69,517.86.
Under RBI's Lending Against Gold and Silver Collateral Directions of 6 June 2025, a loan for personal use can be at most 85% of the gold's value when the loan is ₹2.5 lakh or less, 80% above ₹2.5 lakh up to ₹5 lakh, and 75% above ₹5 lakh. Lenders must keep within it for the whole loan.
RBI counts the full amount repayable at maturity, principal plus interest, inside the LTV for a bullet loan. At 12% for 12 months, ₹1,00,000 repayable becomes ₹89,285.71 of principal. An EMI loan repays principal as it goes, so only the principal is counted and the same gold supports a larger loan.
At most 12 months for a loan taken for personal use, under the 2025 RBI Directions; the lender can renew it after that. EMI gold loans can run longer, as the lender's policy allows. The calculator refuses a bullet tenure over 12 months for a personal loan and allows up to 60 months for EMIs.
Rates and rules change; check the source before you rely on a figure.
Still stuck? Ask about Gold Loan Calculator and anybody who knows can answer. No account needed.
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