Gold Loan Per Gram Calculator
Convert grams and karat purity into eligible gold-loan amount using today's price and the 75% RBI LTV cap.
Formula
Disclaimer: Valuations vary with lender price-averaging, purity testing and net-weight deductions. Indicative only — not a loan offer.
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 per gram 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 Per Gram Calculator
Lenders advertise a single 'per-gram rate' that bundles three things: the gold price, your ornament's purity, and the LTV they offer. This calculator unbundles them — default 40 g of 22-karat jewellery at ₹7,400/g (24k) and the maximum 75% LTV — so you can verify any branch's quote instead of taking the poster's word. Details that change the answer at the counter: lenders value at a 30-day (or similar) average of 22k prices, not today's spot peak; stone weight, solder ('wastage') and non-gold parts are deducted from grams; and hallmarked (BIS 916) jewellery sails through purity assessment while un-hallmarked pieces get XRF-tested and sometimes discounted. Coins are accepted only up to 50 g and only bank-minted ones at most lenders. If quotes differ across lenders for the same ornaments, the spread is purity assessment and LTV appetite, not the gold price. NBFCs may offer the full 75% but price the rate up for it; banks often cap at 65–70% with cheaper rates. Decide whether you need maximum cash or minimum cost — those are usually different counters.
How to use Gold Loan Per Gram Calculator
- 1Enter Gold weight (grams), Purity, Market price of 24k gold per gram, LTV offered (%) into the Gold Loan Per Gram Calculator.
- 2The result is computed automatically using Eligible = grams × price(24k) × (karat ÷ 24) × LTV% — 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 Per Gram Calculator?
- ✓Computes gold loan per gram 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
10 gram gold par kitna loan milega?+
22-karat ke ₹7,400/g (24k base) ke hisaab se: 10 × 7400 × 0.916 ≈ ₹67,800 ki value, jis par 75% LTV se ₹50,800 ke aas-paas. Exact amount lender ke 30-din average price aur purity test par depend karta hai — upar apne grams daal kar live figure dekhein.
Why did the branch offer less than this calculator shows?+
Three usual reasons: they price on a trailing average below today's spot; they deducted stone/wastage weight; or their scheme LTV is below 75% (common at banks). Ask for the valuation slip — it must show net weight, purity and per-gram rate, which you can plug back in here to verify.
Do gold coins and bars qualify for gold loans?+
Banks accept specially-minted bank coins up to 50 grams per borrower (RBI rule); ordinary bullion bars and biscuits generally do NOT qualify at banks. NBFCs focus on ornaments. If your holding is bars, consider loan-against-securities on sovereign gold bonds instead, where applicable.
Does hallmarking get me a better rate?+
It gets you a faster, surer valuation: BIS 916 hallmarked pieces are taken at face purity, while un-hallmarked jewellery faces testing and conservative discounts. The per-gram offer follows purity directly, so in practice hallmarked 22k often nets a visibly higher eligible amount for the same weight.
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