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Gold Loan Calculator

Gold Loan Calculator

A Gold loan calculator is a tool used to estimate the amount of money that can be borrowed against gold jewellery or ornaments. Also find out Gold Loan EMI with the help of this gold loan calculator.
STEP 1
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Check the value of your gold and claim your cash now!
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GETTING A GOLD LOAN IS A TEDIOUS AND TIME CONSUMING PROCESS, ISN'T IT?

Well it turns out that we at India Gold has a solution for your problem. Now you can get Gold loans at your doorstep.”

0.77% RATE OF INTEREST PER MONTH
DOORSTEP GOLD LOAN
MONEY TRANSFER IN JUST30 MINUTES*
100% FREE INSURANCE ON YOUR GOLD

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Benefits of Gold Loan Calculator

There are several benefits of using a gold loan calculator, including:

Quick and easy calculation: A gold loan calculator makes it easy to calculate the loan amount against gold jewellery or ornaments. It saves time and effort that would be spent on manual calculations.
Accurate estimation: A gold loan calculator provides an accurate estimate of the maximum loan amount that can be obtained against the gold collateral. It takes into account the weight and purity of the gold, as well as the prevailing market value, to provide a reliable estimate.
Comparison of loan options: A gold loan calculator can be used to compare different loan options from different lenders. By inputting the same information into multiple calculators, you can compare the loan amounts, interest rates, and other terms and conditions offered by different lenders.
Financial planning: A gold loan calculator can help you plan your finances better by providing an estimate of the amount you can borrow against your gold jewelry or ornaments. This can help you decide whether a gold loan is the right option for you, and how much you can afford to borrow.
Transparency: A gold loan calculator provides transparency in the loan calculation process, and helps you understand the various factors that influence the loan amount. This can help you make more informed decisions about your finances, and avoid any surprises or hidden costs later on.

Features of Gold Loan

Attractive interest rates:
As gold loans are secured loans, they are subject to lesser interest rates as compared to other types of loans
Loan-to-value (LTV):
The LTV ratio is 75% maximum, capped by the Reserve bank of India (RBI). For example, if you pledge gold worth Rs 1 Lakh, you can get a maximum of Rs 75,000 as Gold Loan.
Lesser processing fees:
The processing fees of gold loans is very less.
No foreclosure charges:
There are no foreclosure charges or prepayment penalty on paying the loan amount before the loan tenure, as compared to other loans
No credit score requirement:
Since gold loans are backed by gold or gold ornaments as collateral, there is no requirement for credit scores. Even though people with lesser credit scores can get these types of loans.

Factors affecting Gold Loan interest Rate

Gold loan interest is typically calculated as a percentage of the loan amount, and it varies depending on the lender, the loan amount, and the prevailing market conditions. The interest rate is usually calculated on an annual basis, but is often expressed as a monthly rate for ease of understanding.

The interest rate for a gold loan is based on several factors, including:

Loan amount: The interest rate may be higher for larger loan amounts, as the lender may perceive larger loans to be more risky.
Loan tenure: Longer loan tenures may be associated with higher interest rates, as the lender is exposed to more risk over a longer period of time.
Gold purity: The purity of the gold used as collateral can also affect the interest rate. Lenders may offer lower interest rates for higher-purity gold, as it is considered to be more valuable and easier to sell.
Market conditions:
A gold loan calculator provides transparency in the loan calculation process, and helps you understand the various factors that influence the loan amount. This can help you make more informed decisions about your finances, and avoid any surprises or hidden costs later on.

Once the interest rate is determined, the interest is calculated by multiplying the loan amount by the interest rate and dividing it by the number of months in the loan tenure. For example, if the interest rate is 10% per annum and the loan tenure is 12 months, the monthly interest rate would be 0.83% (10%/12). If the loan amount is Rs. 1,00,000, the monthly interest would be Rs. 830 (1,00,000 x 0.83%/month).
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*21% वार्षिक प्रतिशत दर (APR)। केवल कुछ भूगोल में और कुछ उधारदाताओं के साथ। T&C लागू

^ नियंत्रित परिस्थितियों में किए गए 50,000 रुपये के लोन के लिए मापा गया सांकेतिक समय।

Representative Example: If the loan amount is ₹100,000 and a customer selects indiagold plan with interest rate 9.24% per annum; & if the customer pays only the interest every 30 days for the next 180 days, then the overall calculated interest payable would be ₹4620 only (₹770 per month). So, Total cost of the loan would be (Principal + Interest): ₹1,04,620. The customers get the convenience to pay the principal balance anytime within 180 days tenure.

पुनर्भुगतान की न्यूनतम अवधि 61 दिन है और पुनर्भुगतान की अधिकतम अवधि 12 महीने है। 6 महीने के लोन कार्यकाल के साथ नियमित रूप से छूट अधिकतम मूल्य योजना में प्रभावी मासिक ब्याज दर पोस्ट छूट

संपर्क जानकारी (पंजीकृत कार्यालय): 7 वीं मंजिल, बीपीटीपी सेंट्रा वन, गोल्फ कोर्स एक्सटेंशन रोड, सेक्टर -61, गुड़गांव, हरियाणा - 122102. फोन नंबर: 080-68495878, 080-45305174

केएफएस और ऋण मंजूरी के समय हस्ताक्षरित ऋण दस्तावेजों के अनुसार कुछ ऋण योजनाओं पर फौजदारी शुल्क और प्रसंस्करण शुल्क लगाया जा सकता है।

हम व्यक्तिगत लोन की पेशकश नहीं करते हैं, जिन्हें लोन जारी किए जाने की तारीख से 60 दिनों या उससे कम समय में पुनर्भुगतान की आवश्यकता होती है। आवश्यक KYC और सत्यापन के अधीन। T & C लागू करें

अधिकतम वार्षिक प्रतिशत दर (APR) 21%है। किसी भी प्रश्न के लिए, आप हमें support@indiagold.co पर ईमेल कर सकते हैं। किसी भी वृद्धि के लिए, आप हमारे शिकायत अधिकारी को compliance@indiagold.co पर लिख सकते हैं

DISCLAIMER: Flat White Capital Pvt. Ltd. (indiagold) partners with regulated financial institutions such as banks & NBFCs & is not a bank or NBFC itself nor does it hold or claim to have a banking or NBFC license.