Formula used
Assessed intrinsic value = net eligible gold weight × lender-entered 24K reference price × purity/24. Maximum consumption-loan LTV is 85% up to ₹2.5 lakh, 80% above ₹2.5 lakh through ₹5 lakh, and 75% above ₹5 lakh. The engine tests all brackets and returns the highest self-consistent amount, then calculates reducing-balance EMI on the lower of the request and that maximum.
Example calculation
Take 50g of net 22K gold. Intrinsic value is 50 x the 24K reference price x 22/24, counting gold content only and excluding making charges, wastage and stones. The RBI consumption-loan LTV band is then chosen by the resulting amount: 85% up to Rs 2.5 lakh, 80% above Rs 2.5 lakh through Rs 5 lakh, and 75% above Rs 5 lakh, and the pairing has to be self-consistent — a value whose 85% figure lands above Rs 2.5 lakh does not get the 85% band. The worked table below applies this to 10g, 20g, 50g and 100g at the current bullion value.
How much gold loan for 10g, 20g, 50g or 100g
Worked from the bullion value on 2026-09-12 of ₹14,077.32 per gram for 22K and ₹11,526.19 per gram for 18K, then the RBI consumption-loan LTV band that the resulting amount falls into. Gold content only: making charges, wastage and stones are excluded, and your lender values on its own reference rate.
| Gold pledged | Intrinsic value | LTV band | Indicative loan |
|---|
| 10g of 18K | ₹1,15,262 | 85% | ₹97,973 |
| 20g of 18K | ₹2,30,524 | 85% | ₹1,95,945 |
| 50g of 18K | ₹5,76,310 | 80% | ₹4,61,048 |
| 100g of 18K | ₹11,52,619 | 75% | ₹8,64,464 |
| 10g of 22K | ₹1,40,773 | 85% | ₹1,19,657 |
| 20g of 22K | ₹2,81,546 | 85% | ₹2,39,314 |
| 50g of 22K | ₹7,03,866 | 75% | ₹5,27,900 |
| 100g of 22K | ₹14,07,732 | 75% | ₹10,55,799 |
Based on the latest bullion value. A 30-day trailing average is not yet available, so a lender may value your gold slightly differently.
How to use this calculator
- Enter net eligible gold weight after excluding stones and non-gold parts.
- Select actual assayed purity.
- Enter the lender's current 24K reference price per gram.
- Enter total consumption-loan amount requested from that borrower-lender relationship.
- Enter reducing-balance rate and EMI tenure.
- Compare the request with the maximum collateral-supported amount and applicable RBI tier.
Important assumptions
- The calculator covers consumption loans under the RBI Lending Against Gold and Silver Collateral Directions, 2025.
- Only intrinsic gold content is valued; stones, gems, making charges and non-gold weight are excluded.
- The 24K reference price is entered by the user and is not a live market quote.
- The EMI illustration uses a constant reducing-balance rate and excludes fees, GST, insurance and penalties.
- Final valuation and sanction are controlled by the regulated lender.
Common mistakes to avoid
- Using gross ornament weight instead of net gold weight.
- Using a retail jewellery price including making charges or stones.
- Applying a blanket 75% LTV to every consumption-loan amount after April 2026.
- Treating the result as approval or ignoring fees and bullet-repayment rules.
When this tool is useful
- When you want a fast estimate before making a financial or salary decision.
- When you want to compare different assumptions in seconds.
- When you want to understand the formula behind the result.
