Gold Loan EMI Calculator

↻ Updated 2026

Enter your gold's value and see the eligible loan at 75% LTV, the monthly EMI and total interest — plus how an interest-only bullet repayment compares.

Educational calculators — always consult a licensed professional before making financial decisions.

Your inputs

Gold value

Loan at 75% LTV (RBI cap)

Interest rate (p.a.)

Gold loan rates typically run 9–18%

Tenure

Monthly EMI

₹17,304

on ₹3,75,000 loan

Total interest (EMI)

₹40,304

at 10% p.a.

Eligible loan

₹3,75,000

75% of gold value

Outstanding balance (EMI plan)2 yr

todaypaid off

Principal vs interest

Principal₹3,75,000

Interest₹40,304

EMI vs bullet repayment

Loan amount₹3,75,000

EMI plan — total interest₹40,304

EMI plan — total payment₹4,15,304

Bullet plan — interest*₹75,000

Bullet plan — payable at maturity₹4,50,000

ASSUMPTIONS — The loan is capped at 75% loan-to-value of the gold pledged (RBI limit). The EMI plan amortises ₹3,75,000 at 10% p.a. over 24 months on a reducing balance. *The bullet option shown charges simple interest on the full principal for the whole tenure and repays principal at maturity — cheaper per month but a larger lump sum later, and it varies by scheme. Processing charges, valuation and GST are excluded. Rates and LTV shown are indicative.

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Personal Loan EMI Loan Eligibility Business Loan EMI

Sources & rate references

·EMI = reducing-balance amortization; rates indicative

Rates, brackets and limits here are checked against primary sources. If a number still looks off, email support@realmoneyiq.com and we'll review and fix it.

RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.