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Gold loans are sized from the assessed value of the pledged ornaments — weight times the applicable per-gram rate for the purity — capped by a regulatory loan-to-value limit. Most are interest-servicing facilities with principal repaid at the end.
Gold loan sizing
Loan = grams × rate per gram × LTV cap
Figures are estimates. Lenders apply their own rounding, fees and eligibility rules, and rates change. This is not financial advice — confirm the numbers with your lender.
No. Valuation is on gold content only, so stones and craftsmanship add nothing to the eligible amount.
The lender may ask for a part payment to restore the loan-to-value, or in extreme cases auction the pledged gold.