Gold / CALCULATOR
Gold Loan Calculator
Estimate value, eligibility and repayment.
Gold price is user-provided and is not a live market price in Phase 1.
How this works
Value = Grams × Price × Purity factor. Eligible loan = Value × LTV ÷ 100. EMI = Eligible × r × (1+r)ⁿ ÷ [(1+r)ⁿ − 1]
The purity factor converts your gold to 24K-equivalent (22K = 22⁄24, 20K = 20⁄24, 18K = 18⁄24). The lender only offers a loan up to your LTV (loan-to-value) percentage of that estimated value.
Amounts are rounded for display; calculations use full precision. This utility is for planning and is not financial advice.