Tools
Gold Loan Calculator

தங்கக் கடன் கால்குலேட்டர்

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.
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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 indiagold has a solution for your problem. Now you can get Gold loans processed and disbursed instantly.

0.8% RATE OF INTEREST PER MONTH
HASSLE FREE DISBURSAL PROCESS
MONEY TRANSFER IN JUST 30 MINUTES*
100% FREE INSURANCE ON YOUR GOLD
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APPLY ONLINE FOR GOLD LOAN
Gold Loan starting @ 0.8% per month

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Why choose

Trusted by over 20 Lakh customers, indiagold provides instant gold loans across India

Hassle Free Online Repayments

Hassle Free Online Repayments

Quick release guarantee

Quick release guarantee

High Loan Amount for your Gold

High Loan Amount for your Gold

Quick & Instanst Disbursal

Quick & Instanst Disbursal

Get gold loan in 3 easy steps
STEP 1
Request for a new loan

Contact us or give a missed call at  1800-123-999-888. Book a free appointment with our Relationship Manager.

Request for a new loan
STEP 2
Get money in 30 mins

Our relationship manager will contact you to verify your requirements and schedule an appointment to process your gold loan application.

Get money in 30 mins
STEP 3
Gold stored in bank vaults

Your gold is 100% insured and indiagold's responsibility. You can close your loan or pay your EMI directly from the indiagold app.

Gold stored in bank vaults
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APPLY ONLINE FOR GOLD LOAN
Gold Loan starting @ 0.8% per month

+91

You will receive a call from our Relationship Manager

Lending partners

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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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20,00,000

Happy Customers

23,500

Super Agents

1,20,000

gms of Gold Sold

11,500

24k Gold Coins Sold

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*24% ஆண்டு சதவீத வீதம் (ஏபிஆர்). சில புவியியல் மற்றும் சில கடன் வழங்குநர்களுடன் மட்டுமே. டி & சி பொருந்தும்.

கட்டுப்படுத்தப்பட்ட நிபந்தனைகளின் கீழ் மேற்கொள்ளப்படும் ரூ .50,000 கடனுக்காக அளவிடப்படும் குறிக்கும் நேரம்.

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.

திருப்பிச் செலுத்துவதற்கான குறைந்தபட்ச காலம் 61 நாட்கள் மற்றும் திருப்பிச் செலுத்தும் அதிகபட்ச காலம் 12 மாதங்கள். 6 மாதங்கள் கடன் பதவிக்காலத்துடன் வழக்கமான தள்ளுபடி அதிகபட்ச மதிப்பு திட்டத்தில் பயனுள்ள மாதாந்திர வட்டி வீத இடுகை தள்ளுபடி

தொடர்பு தகவல் (பதிவுசெய்யப்பட்ட அலுவலகம்): 7 வது மாடி, பிபிடிபி சென்ட்ரா ஒன், கோல்ஃப் கோர்ஸ் விரிவாக்க சாலை, துறை -61, குர்கான், ஹரியானா - 122102

KFS மற்றும் கடன் அனுமதியின் போது கையொப்பமிடப்பட்ட கடன் ஆவணங்களின்படி சில கடன் திட்டங்களுக்கு முன்கூட்டியே கட்டணங்கள் மற்றும் செயலாக்கக் கட்டணங்கள் விதிக்கப்படலாம்.

கடன் வழங்கப்பட்ட தேதியிலிருந்து 60 நாட்களில் அல்லது அதற்கும் குறைவாக திருப்பிச் செலுத்த வேண்டிய தனிப்பட்ட கடன்களை நாங்கள் வழங்குவதில்லை. தேவையான KYC மற்றும் சரிபார்ப்புக்கு உட்பட்டது. டி & சி பொருந்தும்

அதிகபட்ச வருடாந்திர சதவீத வீதம் (ஏபிஆர்) 24%ஆகும். எந்தவொரு கேள்விகளுக்கும், நீங்கள் எங்களுக்கு support@indiagold.co இல் மின்னஞ்சல் செய்யலாம். எந்தவொரு விரிவாக்கங்களுக்கும், நீங்கள் எங்கள் குறைக்கும் அதிகாரிக்கு compliance@indiagold.co இல் எழுதலாம்

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.