Gold Loan Calculator
Calculate max gold loan eligibility based on weight, purity, and RBI LTV norms.
Quick Summary: Gold Loan Calculator
Gold loan eligibility is based on the purity (Karat) and weight of your gold. RBI mandates a maximum Loan-to-Value (LTV) ratio of 75%. For 22K gold, the value is adjusted by a factor of 22/24. If gold prices drop significantly, lenders may ask for additional margin to maintain the LTV cap.
How to use the Gold Loan Calculator
- 1
Enter Gold Weight
Input the total weight of jewelry in grams (excluding stones).
- 2
Select Purity
Choose between 18K, 22K, or 24K gold.
- 3
Check Max Loan
Calculate the maximum cash you can borrow against the gold at current market rates.
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Regulatory Disclaimer
Last verified May 2026
Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.
Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."
Consult a SEBI-registered IA or CA for personalised advice.
9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.