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EMI and Financial Calculators

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Home/Loans

Gold Loan EMI

Calculate gold loan EMI and interest

Gold Loan Details
grams
1grams1,000grams
₹/gram
₹4,000/gram₹15,000/gram
RBI allows up to 75% for banks
%
50%90%
% p.a.
7% p.a.24% p.a.
months
1months36months

Pay principal + interest monthly

Loan Summary
Loan Amount

₹2,23,437

Monthly EMI

₹19,644

Gold Value

50g @ 22K

₹2,97,917
Max Loan (LTV)

75% of gold value

₹2,23,437
Total Interest
₹12,287
Total Payment
₹2,35,724
Effective Rate:5.50% p.a.

Risk: If gold prices fall or you fail to repay, the lender can auction your gold.

Amortization Schedule
YearAnnual PaymentPrincipalInterestBalance
1₹2,35,728₹2,23,437₹12,286₹0
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