Loan per gram of 24K, 22K or 18K gold at the rate you enter, under RBI’s LTV limits
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 30 Oct 2026.Gold loan per gram is the gold’s value per gram times the loan-to-value ratio. At ₹10,000 per gram of 24K, one gram of 22K is valued at ₹9,160, so a small loan repaid in EMIs can reach 85% of it, ₹7,786. A bullet loan gets less, because RBI counts the interest due at the end inside the same 85%.
| Karat | Gold value per gram | EMI loan per gram (85%) | Bullet loan per gram |
|---|---|---|---|
| 24K | ₹10,000 | ₹8,500 | ₹7,589.29 |
| 22K | ₹9,160 | ₹7,786 | ₹6,951.79 |
| 18K | ₹7,500 | ₹6,375 | ₹5,691.96 |
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 1 g of gold; enter the 24K rate per gram your lender quotes.
Pick the Purity of your gold, such as 22K (916).
Choose Personal use or "Farming or business" under Loan for, since the LTV limit depends on it.
Read Loan per gram and LTV used, then type your full weight in Net gold weight for the total.
Enter your lender’s rate to see your loan per gram.
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%.
The gold rate is yours to enter. There is no live price here. Lenders value gold at the lower of the 30-day average and the previous day's closing price for that purity, as published by the India Bullion and Jewellers Association or a SEBI-regulated exchange, so enter that rate. Lower karats are valued at their fineness share of the 24K rate, 91.6% for 22K.
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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