Gold Loan LTV Calculator
Check your gold loan's loan-to-value ratio against the 75% RBI cap and see your margin-call buffer.
Formula
Disclaimer: Lender revaluation methods (price averages, purity haircuts) vary; verdict thresholds are indicative. Not financial advice.
Disclaimer: This tool is for general informational and estimation purposes only and is not professional financial, tax, accounting or legal advice. All figures are estimates — verify with a qualified professional before making decisions. Read the full disclaimer.
Need gold loan ltv calculator results fast? Skip the spreadsheet and get a clear, defensible answer in one step — free, private and instant, recalculating live as you change any input.
About Gold Loan LTV Calculator
LTV — the ratio of what you owe to what the pledged gold is worth — is the number your lender watches daily even if you don't. RBI caps gold-loan LTV at 75% throughout the loan's life, not just at sanction: a falling gold price can push a compliant loan over the cap with no action on your part, triggering margin-call letters asking for part-payment or more collateral. The default inputs (₹1,80,000 against ₹2,80,000 of gold) sit at 64% — comfortable. The verdict badge above flags the zones that matter: past ~68% an ordinary 10% price correction breaches the cap; past 75% you're already in margin-call territory. Bullet-scheme borrowers drift upward mechanically when unpaid interest compounds into the outstanding figure. Use the buffer figure two ways: as a safety gauge, and as untapped credit — if your LTV is 50%, the difference up to 75% is a top-up loan available at the same counter, often the cheapest incremental credit you own. Revalue your gold at current prices (weight × purity × today's 22k rate) before reading the result.
How to use Gold Loan LTV Calculator
- 1Enter Loan amount (outstanding), Current value of pledged gold into the Gold Loan LTV Calculator.
- 2The result is computed automatically using LTV = outstanding loan ÷ current gold value × 100 (RBI cap: 75%) — there is no button to press; it updates live as you type.
- 3Change any input to model a different scenario, then use “Copy result link” to share the exact numbers.
Why use Gold Loan LTV Calculator?
- ✓Computes gold loan ltv calculator instantly with the correct formula — no spreadsheet needed
- ✓100% free and unlimited, with no sign-up, login or paywall
- ✓Runs entirely in your browser, so the figures you enter are never uploaded or stored
- ✓Shows the formula, a live worked example and references so you can defend the number
Frequently asked questions
What exactly happens in a gold-loan margin call?+
The lender notifies you that the LTV breached 75% and asks you to restore it — by part-paying principal, paying accumulated interest, or pledging additional gold — within a stated window. Ignore it and the contract permits auction after due notice. Responding early usually keeps options (and your jewellery) flexible.
Mera LTV kaise badh gaya jabki maine kuch borrow nahi kiya?+
Do hi raaste hain: sona sasta hua (value giri) ya unpaid interest outstanding me judta gaya (bullet/roll-up schemes me aam). Dono me ratio ka denominator ghata ya numerator badha. Mahine me ek baar yahan current price daal kar check karna sabse aasaan bachav hai.
Can I take a top-up if my LTV is low?+
Yes — most lenders top-up to their scheme cap against the same pledge: buffer shown above ≈ your instant eligibility. Gold appreciation effectively builds you a credit line. Top-ups reprice at current scheme rates, so compare with a fresh loan elsewhere if rates have moved.
Is the 75% cap calculated on today's price or sanction price?+
Compliance is ongoing: lenders mark the collateral to a trailing-average market price periodically, so the cap bites against CURRENT value. Sanction-day pricing only fixed your initial amount. That's why prudent borrowers leave a 5–10 point cushion rather than maxing out on day one.
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