Gold has traded at elevated levels through 2026, and the practical consequence for households is that a quantity which supported a modest borrowing three years ago now supports something considerably larger. A gold loan on 250 gram gold, taking 22 carat ornaments and an illustrative benchmark of ₹13,980 per gram, rests on an assessed value of about ₹34.95 lakh and an eligible loan of roughly ₹26.21 lakh at the 75% loan-to-value ceiling, subject to assessment and lender policy. Three variables decide where an application lands: assessed purity, the reference rate on the day of pledge, and the loan-to-value slab applicable under the RBI (Lending Against Gold and Silver Collateral) Directions, 2025, implemented by regulated lenders from April 2026. What follows sets out the formula, a worked example at 22K, a purity comparison for exactly 250 grams and how the repayment structure changes the total cost.

A common assumption trips up first-time borrowers: that the weight printed on the jeweller's bill is the weight the loan is built on. It is not. That figure is gross weight, including stones, lac filling, threads and clasps, none of which carry lending value. Understanding how to check gold weight at loan branch counters means understanding the gap between the two numbers, because the net figure recorded at the branch governs the loan amount, within the applicable loan-to-value limit. This guide covers the counter sequence, what gets deducted and why, a deduction table across four ornament types, what can be established beforehand, and what a borrower is entitled to see.

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