Free ToolNo SignupInstant Results
Gold Loan Calculator
Calculate Interest & Compare Repayment Modes
Calculate gold loan interest and repayment across four modes: Bullet (pay everything at maturity), Interest-Only (periodic interest, principal at end), Regular EMI, and Flexi/Overdraft. Check your maximum eligible loan based on RBI LTV norms (up to 75-85%). Compare costs across Muthoot, Manappuram, SBI, and other lenders to find the cheapest option.
Gold Loan FAQs
As per RBI guidelines, the maximum Loan-to-Value (LTV) ratio for gold loans is 75% for banks and 75% for NBFCs. Some schemes allow up to 85% LTV for smaller loans. The gold value is calculated based on the market rate of 22-carat gold.