About this calculator
Enter the value of gold and the loan. For bullet loans the calculator adds interest to maturity, as RBI requires.
Gold Loan LTV Calculator
LTV rules
| Loan amount | Maximum LTV |
|---|---|
| Up to ₹2.5 lakh | 85% |
| Above ₹2.5 lakh up to ₹5 lakh | 80% |
| Above ₹5 lakh | 75% |
- For bullet loans, LTV is calculated on the total amount repayable at maturity (principal + interest).
- Gold is valued at its actual purity using the lower of the 30-day average closing price and the previous day’s closing price (IBJA or a SEBI-regulated exchange).
- Per-borrower limits: gold ornaments 1 kg, gold coins 50 g.
- Applies to all banks, NBFCs and HFCs under RBI’s Lending Against Gold and Silver Collateral Directions, 2025 (in force by 1 April 2026).
Frequently asked questions
What if gold prices fall and LTV crosses the cap?
Lenders may ask you to add gold or repay part of the loan (a margin call).
For information and comparison only. Loan terms, rates and rules change — confirm with the lender and read the Key Facts Statement before borrowing.