Key features
What a gold loan looks like
Loan to value
Capped at 75% of the assessed gold value by RBI rule
Credit score
Not required — the gold itself is the security
Repayment
Standard EMI, or bullet schemes with interest paid monthly
Disbursal
Within 30–60 minutes at most branches
Eligibility
- Any individual aged 18 or above
- Gold jewellery of 18–24 carat purity
- Valid KYC documents
- No income proof or credit history required
Documents required
- PAN or Form 60
- Aadhaar or other address proof
- Passport-size photograph
Frequently asked questions
At a 24K rate of ₹9,500 per gram, 22-carat jewellery is valued around ₹8,700 per gram, and the 75% LTV cap supports roughly ₹6,525 of loan per gram.
The lender issues notices and, after the statutory notice period, auctions the pledged gold, returning any surplus. Most lenders will restructure if you engage early.
Do the maths first
Gold Loan calculators
Run the numbers before you speak to a lender — it is the difference between negotiating and accepting.
Gold Loan CalculatorPer-gram LTVFind out how much you can borrow against your gold at RBI's LTV cap, and what it costs monthly.
EMI CalculatorMost usedWork out the EMI on any loan in seconds, with a full year-by-year breakdown of how much goes to interest and how much reduces your balance.
Personal Loan EMI CalculatorCheck the EMI on an unsecured personal loan before you apply, including what the interest actually costs you over the full term.
Know your number before you apply
Check eligibility and EMI here first. A formal application leaves a hard enquiry on your credit file — these calculators do not.