Gold Loan Calculator
How much loan can your gold get you? Enter the weight, purity, today's per-tola rate, the bank's loan-to-value ratio, markup rate and term to estimate your eligible loan, monthly payment and total cost.
Enter today's actual market rate — the default is only an example.
Banks usually offer 70–90%.
Gold Market Value
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Eligible Loan
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Monthly Payment
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Total Markup
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Total repayment: —
Gold value is adjusted for purity before the LTV is applied.
How the estimate works
Your gold's market value equals its weight in tola multiplied by the 24K per-tola rate and the purity factor (karat divided by 24). The eligible loan is that value multiplied by the loan-to-value ratio. The monthly payment uses the reducing-balance EMI formula with your markup rate and term. Actual rates and LTV vary by bank, so confirm with your branch before applying.