About this calculator
Use this for EMI-based gold loans. For bullet loans, total repayable = principal × (1 + rate × months ÷ 1,200).
Gold Loan EMI Calculator
EMI per ₹1 lakh
| Rate | 1 yr | 2 yrs | 3 yrs |
|---|---|---|---|
| 9.00% | ₹8,745 | ₹4,568 | ₹3,180 |
| 10.00% | ₹8,792 | ₹4,614 | ₹3,227 |
| 12.00% | ₹8,885 | ₹4,707 | ₹3,321 |
| 15.00% | ₹9,026 | ₹4,849 | ₹3,467 |
| 18.00% | ₹9,168 | ₹4,992 | ₹3,615 |
EMI for every ₹1 lakh borrowed. Multiply by your loan amount in lakh.
EMI examples
| Loan amount | EMI @ 9.00% | EMI @ 12.00% | EMI @ 18.00% |
|---|---|---|---|
| ₹1,00,000 | ₹8,745 interest ₹4,942 | ₹8,885 interest ₹6,619 | ₹9,168 interest ₹10,016 |
| ₹3,00,000 | ₹26,235 interest ₹14,825 | ₹26,655 interest ₹19,856 | ₹27,504 interest ₹30,048 |
| ₹5,00,000 | ₹43,726 interest ₹24,709 | ₹44,424 interest ₹33,093 | ₹45,840 interest ₹50,080 |
Tenure 1 years, reducing-balance EMI.
Frequently asked questions
EMI or bullet — which is cheaper?
For the same rate, EMI costs less interest because principal falls every month.
For information and comparison only. Loan terms, rates and rules change — confirm with the lender and read the Key Facts Statement before borrowing.