Gold Loan Calculator

Gold has always been a valuable asset as a symbol of wealth and a financial safety net. In times of need, unlocking its potential can provide instant liquidity through gold loans. But how can you determine the loan amount you're eligible for and calculate the associated loan amount? That's where a Gold Loan Calculator tool comes into play, offering a quick and precise solution to your financial queries. It can help you determine the amount of gold loan per gram basis.

The Online Gold Loan Calculator in India provided by IIFL Finance is easy to use without any complications whatsoever. All we ask is for the weight of your gold ornaments in grams or kilograms. Based on the current market value, the purity of your pledged gold and the loan-to-value ratio, you can find out the loan amount that you can avail.

By using Gold Loan Calculator tool, you can make informed decisions, ensuring that your gold assets serve as a reliable resource for your financial needs. Do make sure to harness the power of the Gold Loan Calculator for a hassle-free and well-informed borrowing experience.

Gold Loan Calculator (Rates as on 08 December 2023)

Find out the amount you will receive against your gold jewellery
gms kg
Rate Calculated @ / Gm

*The market value of your gold is calculated by taking 30 days average gold rate of 22 carat gold | Purity of the gold is assumed at 22 carat.

*You can avail a maximum loan of up to 75% of the market value of your gold depending on the quality of the gold.

0% Processing Fee

Apply Before May 1st 2019

Gold Loan Eligibility Calculation

Before delving into this precious jewel loan calculator itself, let's understand the key factors that influence your gold loan eligibility calculation:

Gold loan eligibility is determined based on the value and purity of the pledged gold. You can use the IIFL Finance Gold Loan Eligibility Calculator online, which calculates your gold loan per gram according to current rates and gold purity. This Gold Loan Eligibility Calculator considers your gold's weight per gram and provides an estimated gold loan eligible amount. It's important to note that the loan amount against your gold won't match the total collateral value. Following RBI guidelines for loan-to-value ratios, the loan amount will be slightly lower than the actual pledge value to minimize lender risks.

How Does Gold Calculator Works?

The Gold Loan Calculator is a user-friendly online tool designed to simplify the loan application process. Here's how it works:

  1. Input Information: Just provide details of the weight of the gold that you wish to pledge. It can be either in grams or kilograms.

  2. Instant Calculation: The calculator processes this information instantly, determining the maximum loan amount you're eligible for based on the gold LTV ratio.

Gold Loan Interest Rate Calculation

While most Gold Loan Calculators primarily focus on eligibility amount, some also provide an estimate of the interest rate you may be charged. The gold loan interest rate calculator (online or offline) will offer different results based on multiple factors, such as loan tenure, amount, and market conditions. At IIFL Finance, we offer a variety of gold loan scheme alternatives depending on the loan amount eligibility, tenure and gold loan interest rate in order to meet every customer's unique requirements. To apply for gold loan, you can visit to your nearest IIFL Finance branch in your vicinity area to fulfil your capital needs.

Apply for Gold Loan At IIFL Finance

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Walk into any IIFL Gold Loan branch with your gold.

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Provide your ID proof, address proof and gold to get an instant approval

Documents Required
Simple Process Calculator - IIFL Finance

Simple process and in-house gold valuation ensures that you get the loan amount in your account or in cash

Gold Loan Calculator FAQs

A gold loan calculator is a tool used to assess the value of your gold and determine the loan amount you can obtain based on the carat value of the pledged gold. The lender typically holds the applicant's gold or gold jewelry as collateral or security until the loan is completely repaid.

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The loan is calculated based on the actual market value of the pledged gold. A certain percentage of the gold value is offered as a loan to the applicant.

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Gold loan per gram is the amount given as a loan for every gram of pledged gold. For example, IIFL offers Rs 3,504 per gram. If you have 100 gms of gold, the offered loan amount will be Rs 3,50,400.

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IIFL Finance’s gold loan calculator provides the eligible loan amount against the amount of the gold customer is likely to pledge. It takes the per gram rate as per the current market rates to calculate the eligible loan amount on the given gold weight.

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The benefits of using a Gold Loan Calculator include estimated loan eligibility calculation, informed financial planning, and the ability to compare loan offers for the best terms.

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IIFL Finance gold loan comes with attractive and affordable interest rates with no hidden costs. The loan is approved in less than 5 minutes, with a disbursal process of less than 30 minutes. The pledged gold is safely kept in highly secured vaults and is backed by insurance.

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To calculate the gold loan amount, you need to input your gold's weight into the Gold Loan Calculator. It will instantly provide the maximum loan amount you're eligible for.

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A Gold Loan Calculator assists you in quickly and accurately estimating your loan eligibility. It aids in better financial planning and comparing loan offers from different lenders.

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The loan to value ratio, also known as the gold LTV ratio, represents the maximum loan amount a lender is willing to provide against the value of your gold. It typically ranges max upto to 75%

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To use a Gold Loan Calculator, input the weight of the gold that you want to pledge, either in grams or kilograms. The calculator will instantly determine your loan eligibility and tell you how much loan amount can be availed.

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Payment options for repaying a Gold Loan usually include cash, cheque, online transfers, mobile apps or automatic deductions from your bank account, depending on your preference.

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What Our Customers Have To Say

When I visited IIFL Finance it just took a few minutes to process the loan and the process was very transparent. I have advised my friends to get their gold loans from IIFL.

Venkatram Reddy

Venkatram Reddy

I recommended IIFL Finance, the process is very fast. The staff is friendly and gives good suggestions on the schemes which are beneficial.

Vishal Khare

Vishal Khare

IIFL Finance's customer friendly approach is what I liked. They are so transparent in their dealings. I look forward for my future association with them.



I have been taking Gold Loan from IIFL Finance for quite some time now. I get good services and right value for my Gold Loan.

Manish Kushawah

Manish Kushawah

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