Gold loan value today
A lender can lend up to
₹9,730
per gram of 22K gold, 75% of today's 22K rate of ₹12,973
As of 25 October 2026. Each lender values your gold itself.
IBJA benchmark rate, the same across India. It excludes 3% GST and making charges, which your jeweller adds. Confirm the final price before you buy.
EMI calculator
Move the sliders to estimate your monthly EMI, total interest and total amount payable for any loan amount, interest rate and tenure.
How gold loans work
A gold loan is a secured loan where you pledge gold jewellery, coins or bars as collateral. The lender values your gold (typically at around 22-carat purity), then lends up to the RBI-mandated 75% of that value. Because the loan is secured, approval is fast — often same-day — and income proof is usually not required, only basic KYC. Interest accrues on the outstanding amount, and you can repay via regular EMIs, interest-only servicing, or a bullet repayment at the end, depending on the scheme.
The amount you can borrow moves with the gold rate: when gold prices rise, the same jewellery fetches a larger loan. That is why we tie the per-gram loan figure above to today's IBJA 22K rate. Estimate your repayment with the calculator, and confirm the final rate and per-gram valuation with the lender before pledging.
Questions about gold loans
How much gold loan can I get per gram?
Lenders can lend up to 75% of the value of your pledged gold (the RBI loan-to-value ceiling), valued at around 22-carat purity. Our per-gram figure applies that 75% to today's IBJA 22K rate. The amount you get depends on the lender's own valuation and purity testing.
What is the typical gold-loan interest rate in India?
It depends on the lender, scheme, tenure and loan amount. Banks usually charge less than gold-loan companies (NBFCs), while NBFCs often approve faster. Check the current rate on the lender's own website or at the branch before you pledge.
Which documents are needed for a gold loan?
Most lenders ask for basic KYC: a government photo ID (Aadhaar, PAN, passport, voter ID or driving licence) and address proof. The gold itself is the collateral, so income proof is usually not required. Processing is fast — often same-day — once your gold is valued.
How is gold-loan EMI calculated?
EMI is computed from the principal, the annual interest rate and the tenure using the standard reducing-balance formula. Use the calculator above to see your monthly EMI, total interest and total payable for any combination. Note that many gold loans also offer bullet-repayment or interest-only schemes, which the EMI figure does not capture.
Can I repay a gold loan early?
Most lenders allow part-prepayment or full foreclosure, sometimes with a small fee. Because gold loans are short-tenure, prepaying reduces your interest outgo meaningfully. Check the specific lender's foreclosure terms before signing.