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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.
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Well it turns out that we at indiagold has a solution for your problem. Now you can get Gold loans processed and disbursed instantly.


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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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*24% వార్షిక శాతం రేటు (APR). కొన్ని భౌగోళికాలలో మరియు కొన్ని రుణదాతలతో మాత్రమే. T & C వర్తించండి.

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.

తిరిగి చెల్లించే కనీస కాలం 61 రోజులు మరియు తిరిగి చెల్లించే గరిష్ట కాలం 12 నెలలు. 6 నెలల రుణ పదవీకాలంతో రెగ్యులర్ రిబేటు గరిష్ట విలువ పథకంలో సమర్థవంతమైన నెలవారీ వడ్డీ రేటు పోస్ట్ రిబేటు

సంప్రదింపు సమాచారం (రిజిస్టర్డ్ ఆఫీస్): 7 వ అంతస్తు, బిపిటిపి సెంట్రా వన్, గోల్ఫ్ కోర్సు ఎక్స్‌టెన్షన్ రోడ్, సెక్టార్ -61, గుర్గావ్, హర్యానా - 122102.

KFS మరియు లోన్ మంజూరు సమయంలో సంతకం చేసిన లోన్ డాక్యుమెంట్‌ల ప్రకారం కొన్ని రుణ పథకాలపై ఫోర్‌క్లోజర్ ఛార్జీలు మరియు ప్రాసెసింగ్ ఫీజులు విధించవచ్చు.

రుణం జారీ చేసిన తేదీ నుండి 60 రోజులలో లేదా అంతకంటే తక్కువ సమయంలో తిరిగి చెల్లించాల్సిన వ్యక్తిగత రుణాలను మేము అందించము. అవసరమైన KYC మరియు ధృవీకరణకు లోబడి ఉంటుంది. T & C వర్తించండి

గరిష్ట వార్షిక శాతం రేటు (APR) 24%. ఏదైనా ప్రశ్నల కోసం, మీరు మాకు support@indiagold.co వద్ద ఇమెయిల్ చేయవచ్చు. ఏదైనా తీవ్రతలకు, మీరు మా గ్రీవెన్స్ ఆఫీసర్‌కు compliance@indiagold.co వద్ద వ్రాయవచ్చు

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.