Gold Loan Calculator
Calculate the real cost of your gold loan — including all hidden fees and charges
Gold Details
Loan Terms
Loan Breakdown
Net Amount You Receive
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What You Actually Get
Total Cost of Borrowing
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Effective Interest Rate
0%
Fee Breakdown
Frequently Asked Questions
How is the gold loan amount calculated?+
The loan amount is calculated based on the market value of your gold, its purity, and the LTV (Loan-to-Value) ratio set by the lender.
What are the hidden charges in a gold loan?+
Common hidden charges include processing fees (0.5-2%), valuation fees, stamp duty, documentation charges, insurance premium, and GST on all fees (18%). Our calculator accounts for ALL of these.
What is the effective interest rate?+
The effective interest rate is the true cost of borrowing when you include all fees. It is always higher than the advertised rate.
What LTV ratio do banks offer?+
As per RBI guidelines, the maximum LTV ratio for gold loans is 75%. Most banks offer 60-75% LTV.
Is this calculator free to use?+
Yes! Gold Loan Calc is 100% free. No registration required. All calculations happen in your browser.