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Gold Loan Calculator

The gold loan calculator helps you quickly estimate how much loan you may be eligible for based on gold weight, purity, and prevailing lending norms. By using the gold loan interest rate calculator, customers can understand potential interest costs and repayment amounts in advance, making it easier to plan finances with clarity and confidence before applying for a gold loan.

Calculate your eligibility for a gold loan by Kosamattam Finance.

₹ Gm

Note

This is based on 22 carat gold value
Interest rates for 100% LTV scheme

Gold Loan Details

Loan Amount :

₹

Gold to be pledged (in grams)

Let Us Contact You

*You can avail a maximum loan of up to 75% of the market value of your gold, depending on the quality of the gold.*

Apply for Your Gold Loan in Minutes!

Looking for a gold loan with competitive rates and flexible repayment options? Fill out this quick form, and our team will get in touch with you shortly. Your trust is our priority!

Loan Amount :
Gold to be pledged:

How It Works

How Does the Gold Loan Calculator Work?

The gold loan calculator estimates your eligible loan in seconds. Enter your gold's weight in grams, or the amount you need, and it applies the current per-gram value and LTV limit to show your maximum eligible loan before you apply.

01

Simplify the loan application process

Input Information: Just provide details of the weight of the gold that you wish to pledge. It can be either in grams or kilograms.

02

Instant Calculation:

The calculator processes this information instantly, determining the maximum loan amount you're eligible for based on the gold LTV ratio.

03

Maximum loan amount per gram

See the maximum and highest gold loan per gram you can get for 18k, 22k and 24k gold, based on current value and LTV limits.

Charges On Gold

Gold Loan Eligibility Calculation

Gold loan eligibility is determined based on the value and purity of the pledged gold. You can use the Kosamattam Finance Gold Loan Eligibility Calculator online, which calculates your eligible amount on your pledged gold according to current rates and gold purity. This Gold Loan Eligibility Calculator considers your gold's weight per gram and provides an estimated gold loan eligible amount. It's important to note that the loan amount against your gold won't match the total collateral value. Following RBI guidelines for loan-to-value ratios, the loan amount will be slightly lower than the actual pledge value to minimize lender risks.

FAQs

Gold Loan FAQs

What is the maximum gold loan per gram I can get?

The maximum per gram depends on your gold's purity and the prevailing LTV cap under RBI rules. The calculator shows the highest amount you're eligible for across 18k, 22k and 24k.

How is gold loan eligibility calculated?

Eligibility is based on the weight and purity of your gold and the current per-gram rate. The loan amount is a percentage of that value (the LTV), so it's lower than the full market value.

Is the calculator based on 22k or 24k gold?

Valuation is standardly done on 22k equivalent. If you pledge 18k or 24k ornaments, the per-gram value is adjusted for purity before the loan amount is calculated.

Does the calculated amount include interest?

No. The calculator estimates your eligible principal. Interest is charged separately at your scheme's rate over the loan tenure.

Is the calculated amount final?

It's an estimate. The final amount is confirmed at the branch after physical valuation of your gold's weight and purity.

Apply Gold Loan

Learn More

After You Calculate

Once you know your eligible amount, check today's gold loan rate per gram, apply on the gold loan page, or apply online 24x7.

Learn More

Understanding Loan to Value Ratio in Gold Loans

How Loan to Value Ratio Impacts Your Gold Loan Amount

Understand how the Loan to Value Ratio impacts your gold loan amount and maximize your borrowing potential with smart strategies.

04 March, 2025

5 mins read

Apply for Gold Loan

As part of our core business, we provide business loans secured by gold jewellery or gold loans. We primarily cater to individuals who possess gold jewellery

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