Gold Loan Per Gram Calculator 2025
With 22-karat gold at approximately Rs 7,200 per gram in 2025 and 75% LTV (loan-to-value), banks offer Rs 5,400 per gram. For 50 grams of gold, you can get Rs 2.7 lakh. Muthoot Finance and Manappuram typically process gold loans in under 30 minutes at their branches.
Gold Value
₹3,30,000
Loan Amount
₹2,47,500
Monthly Interest
₹1,959
Total Interest
₹23,513
Gold price placeholder: ₹7,200/gram for 24K. RBI allows max 75% LTV for gold loans. Actual rates vary by lender and gold quality assessment.
Weekly Indian rate update
RBI repo, top FD rates, tax deadlines. Free. No spam.
Calculated with CalcCrack
Common questions about Gold Loan Per Gram Calculator 2025
Which gives more money per gram - bank or NBFC gold loan?
NBFCs like Muthoot Finance and Manappuram offer higher LTV (75-80%) and faster processing. Banks like SBI and HDFC offer lower rates (7-10%) but more conservative LTV (65-75%). Jewelry shops are fastest but most expensive (18-24% interest). For maximum amount per gram: NBFC. For lowest rate: bank or SBI gold scheme.
What is the maximum gold loan I can get on 100 grams?
At Rs 7,200/gram for 22-karat gold and 75% LTV: Rs 7,200 x 100 x 0.75 = Rs 5.4 lakh. Banks calculate on RBI-set LTV (currently 75% maximum). If gold is 18-karat, multiply by 0.818 to adjust purity. Impurities in jewelry reduce the effective loan per gram - always ask for assay before the loan is finalized.
What happens if I cannot repay a gold loan?
If you miss payments, the lender first sends notices. After the notice period (typically 30 days), they can auction the gold. Muthoot and Manappuram auctions are frequent - they notify you via registered post and give a final 10-day period. You can always repay and reclaim gold before the auction. A gold loan is secured, so there is no CIBIL impact unless the loan goes to formal default.