Gold Loan Calculator 2026 — Calculate Gold Loan Amount & EMI
Calculate gold loan amount based on gold weight. Check EMI for Muthoot Finance, Manappuram, SBI, HDFC gold loans.
Enter Loan Details
Gold Loan — Fast & Easy
- No income proof needed
- Approval in 30 minutes
- LTV: up to 75% of gold value (RBI rule)
- Gold rate (approx): ₹6,500–7,000 per gram (22 Karat)
Key Lenders 2026
- Muthoot Finance: 11%–24% | Instant approval
- Manappuram: 10%–28% | Transparent auction
- SBI Gold Loan: 7.50%–8% | Lowest rate
- HDFC Gold Loan: 9%–17% | Digital process
Frequently Asked Questions
Based on today's gold price of approx ₹6,800–7,000 per gram (22K), you can get ₹5,100–5,250 per gram (75% LTV per RBI). Actual rate varies by lender and purity.
Yes. Banks accept 18K to 24K gold. For 18K, the loan amount is proportionally lower. Most lenders prefer 22K gold ornaments.
If you default, the lender has the right to auction your pledged gold after proper notice. Always repay on time.
Gold loans have lower interest rates (7.5%–24%) vs personal loans (10.5%–36%). If you have gold, always prefer a gold loan.
Related Calculators
⚠️ Disclaimer
All calculations are indicative and for informational purposes only. Actual EMI may vary based on your bank's terms, processing fees, and applicable taxes. Please contact your bank for exact figures before taking a loan.
Ready to Apply? Get the Best Loan Offers
Compare offers from SBI, HDFC, ICICI, Bajaj Finserv, BankBazaar and 20+ lenders. Free, no spam, expert assistance.