Gold Loan Eligibility Calculator
Gold loan eligibility does not depend on income or credit score in the way other loans do, because the loan is fully secured by jewellery you pledge. The amount is driven by the net weight and purity of the gold, the prevailing rate, and the 75% loan-to-value ceiling.
Indicative loan amount
₹2.53 Lakh
An estimate from income and obligations only, not an offer
Lenders cap total EMIs at a share of gross income. This calculator applies 45% for your income band. The lender's own assessment also weighs credit score, employment and the property.
Year-by-year repayment schedule
How each year splits between interest and principal. Early years are mostly interest, which is why prepaying early saves so much more than prepaying late.
| Year | Principal paid | Interest paid | Balance |
|---|---|---|---|
| 1 | ₹2,53,239 | ₹16,761 | ₹0 |
This calculator returns arithmetic on the figures you enter. It is not an offer, does not check your eligibility, and cannot predict the rate a lender will sanction. Loans Got Easy is an authorised Direct Selling Agent - we do not sanction, approve or disburse loans.
Net weight, not gross weight
The lender weighs the jewellery, deducts stones and any non-gold components, and assesses the remaining gold at its purity. A piece with substantial stonework can assess well below what its gross weight suggests. Making charges and design contribute nothing. Knowing the approximate net gold content before you go sets realistic expectations.
The loan-to-value ceiling
Regulatory guidance caps gold loan advances at 75% of the assessed value of the pledged gold. A lender offering a materially higher percentage is either valuing the gold differently or structuring the facility in another way, and the terms deserve close reading. The cap protects the borrower as much as the lender, since it leaves margin before a price fall triggers a call for additional security.
Income proof is usually not required
Because the loan is fully secured, most lenders do not ask for salary slips or ITRs, and a limited credit history is generally not a barrier. This makes gold loans genuinely accessible in an emergency. It also makes them easy to over-borrow against, so the repayment plan matters more here than the approval does.
Rates sourced from partner lender published rate schedules, last verified August 2026. Figures produced by this calculator are indicative and depend entirely on the inputs you provide. The rate you are offered is set by the lender based on your credit profile, income, employer, loan amount and tenure.
Frequently Asked Questions
It is 75% of the assessed value of the gold content at the lender's applied rate for that purity. At an illustrative 22-carat rate of 7,000 per gram, that is roughly 5,250 per gram of net gold. Lenders publish their own per-gram rates, which move with the market.
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Rates last verified August 2026. Loans Got Easy is a loan advisory and Direct Selling Agent. We do not sanction, approve or disburse loans - the lender does, based on its own credit assessment.