Gold loan LTV calculator helps you to calculate the maximum amount that can be borrowed against gold with the help of three inputs namely net weight of gold, its purity in karats and the current rate of gold. Then, it applies the loan-to-value cap, spitting out a number in seconds. This guide describes how the calculation works and what factors influence the result.

The LTV tiered structure gold loan borrowers now face sets three borrowing limits based on the loan amount: 85% for loans up to ₹2.5 lakh, 80% for ₹2.5 - 5 lakh, and 75% above ₹5 lakh. Which slab applies decides how much cash a pledge of gold can unlock. This guide explains how the slabs work and what determines the figure.

A pre-approved business loan is a conditional credit offer sized to a borrower's existing financial profile, typically allowing faster access to funds with reduced paperwork. The amount, terms, and timelines may vary subject to lender evaluation and applicable guidelines. This guide explains how limits are set, why offers differ, and how they work.

A gold loan impacts CIBIL score the same way most credit products do, because it is a secured loan and gets reported to the credit bureaus like any other borrowing. The effect runs both ways. Paying on time builds a positive track record and can lift a gold loan CIBIL score over a few months. Slipping into default does the opposite, and the damage tends to stick around far longer than the loan itself.

A 600 CIBIL gold loan 2026 application may still be considered because gold loans are secured against pledged gold rather than being based solely on credit history. When evaluating a 600-credit score gold loan application, lenders generally assess the purity, weight, ownership, and value of the pledged gold along with applicable eligibility requirements. Credit score may form part of the overall assessment process, but gold valuation remains a key factor in determining loan eligibility and loan amount.

The LTV tiered structure gold loan framework determines the maximum proportion of your pledged gold's assessed value that may be sanctioned as a loan, based on the loan amount requested. Under the current RBI regulatory framework, loans of up to ₹2.5 lakh may be eligible for a maximum 85% Loan-to-Value (LTV), loans above ₹2.5 lakh and up to ₹5 lakh may have a maximum 80% LTV, while loans above ₹5 lakh generally carry a maximum 75% LTV, subject to applicable regulations and lender assessment.

The IBJA gold rate loan benchmark is the reference price that regulated lenders in India use to value pledged gold before sanctioning a gold loan. Instead of relying solely on the gold price on the day of application, lenders generally determine the eligible loan amount using the average of the previous 30 days’ applicable benchmark prices for the relevant purity, together with the applicable Loan-to-Value (LTV) ratio. This standard promotes greater consistency and transparency in IBJA rate gold loan valuation across regulated lending institutions.

For the first time, you can now pledge silver for a loan from a regulated lender. Under the RBI (Lending Against Gold and Silver Collateral) Directions, 2025, effective 1 April 2026, silver ornaments and specific coins are accepted as collateral, alongside gold. The same tiered LTV applies: up to 85% for smaller loans, tapering to 75% for larger ones. There are weight caps, and bars and silver ETFs do not qualify. This guide explains how a loan against silver works, who can apply, the LTV limits, and how it compares with a Gold Loan from IIFL Finance.

From 1 April 2026, the flat 75% cap on gold loans is gone. In its place, the RBI has set three tiers based on loan size: 85% of your gold's value for loans up to INR 2.5 lakh, 80% for loans between INR 2.5 lakh and INR 5 lakh, and 75% for anything above INR 5 lakh. The gold is valued using IBJA rates, not a price the lender picks. This guide explains what the new LTV rules gold loan borrowers now face actually mean, with plain worked examples, what changed, and the rights you have when you pledge gold. If you need funds, a Gold Loan from IIFL Finance follows these same rules.

Silver loans are new. From April 2026, regulated lenders can accept silver as collateral, so rates are still settling and vary by lender. As a secured loan, a silver loan should cost less than an unsecured personal loan, though a touch more than the most established gold loans in some cases. What you pay turns on the lender, the loan size and the tenure. This guide breaks down silver loan interest rate basics, what drives the number, the charges beyond interest, and how to get a fair deal. For comparison, a Gold Loan from IIFL Finance works on similar lines.