Gold Loan Eligibility Calculator - Amount & LTV | 1Dollars

Free Gold Loan Eligibility Calculator

Estimate how much loan you may qualify for from eligible gold weight, assessed purity, lender valuation rate and LTV. Optionally compare a requested principal and calculate the collateral value or gold weight required.

Loan Against Gold Eligibility Calculator

Enter lender valuation and eligible collateral details to calculate a maximum estimated principal. Add a requested amount to see required gold weight and any eligibility gap.

Lender gold valuation

Use the lender's eligible collateral rate, not the retail jewellery invoice or making-charge value.

Gold collateral details

Exclude stones, gems, lac, strings, fastenings and other material the lender will not value as gold.

Eligibility terms

Enter the maximum LTV offered by the lender. This mode works with all listed currencies and lender-specific collateral policies.

For India mode, use the total borrower-level consumption-loan amount that the lender must test, not only an isolated top-up.

Collateral-based estimate only, not guaranteed approval. Actual eligibility also depends on assay, lender policy, borrower-level exposure, repayment capacity, ownership, KYC and documentation.

Reviewed on 15 July 2026 using the RBI's 2025 Gold and Silver Collateral Directions, BIS hallmarking information and NIST mass conversions.

Gold loan eligibility begins with the gold value a lender accepts, not the original jewellery purchase price. Eligible net weight, assay purity, valuation method and LTV determine the collateral-based maximum. Borrower assessment and lender policy can reduce the final sanction.

Quick answer: enter the lender's gold rate and purity basis, then add gross weight, excluded material, assessed purity and LTV. The calculator estimates maximum principal and average loan per eligible gram. Add a requested amount to calculate required gold weight and any shortfall.

How the Gold Loan Eligibility Calculator Works

The tool converts entered weight to grams, removes stones and excluded material, adjusts the lender's rate for assessed purity and calculates collateral value. It then applies a custom lender LTV or the optional RBI consumption-loan tiers.

Eligible alloy weight = gross pledged weight − excluded material weight
Assessed rate / g = entered rate / quoted unit × assessed purity / quoted-rate purity
Collateral value = eligible alloy weight × assessed rate per gram
Custom maximum principal = collateral value × lender LTV

Gold Loan Amount per Gram and per 10 Grams

People often search for a gold loan amount per gram or ask how much loan is available on 10 grams of gold. There is no universal answer because purity, eligible lender price and LTV change the figure.

Maximum loan per eligible gram = maximum estimated principal / eligible gold-alloy grams

Multiply the result by 10 for an approximate amount on 10 eligible grams under the same inputs. In tiered systems, changing total collateral can move the loan into another LTV tier, so the per-gram figure should not be treated as fixed for every weight.

What Determines Loan Against Gold Eligibility?

Eligible net weightGold-alloy weight accepted after stones, lac, strings, fastenings and other excluded materials are deducted.
Assayed purityThe lender-tested fineness used for valuation. A hallmark can help identify an item but does not replace the lender's assay.
Valuation rateThe eligible lender rate for the chosen unit and purity basis, which may differ from retail jewellery price.
Loan-to-value ratioThe share of accepted collateral value available as loan principal under lender policy and applicable rules.

Ownership evidence, KYC, borrower-level limits, repayment capacity, existing exposure and loan purpose also matter. The RBI Directions require detailed credit assessment when total loan amount against eligible collateral exceeds INR 2.5 lakh.

India RBI Consumption-Loan LTV Tiers

The India mode illustrates the Reserve Bank of India (Lending Against Gold and Silver Collateral) Directions, 2025, which regulated entities were required to adopt no later than 1 April 2026.

Total consumption-loan amount per borrowerMaximum LTVEligibility treatment
Up to INR 2.5 lakh85%Maximum valid amount that remains within the first tier
Above INR 2.5 lakh and up to INR 5 lakh80%Middle tier applies only above its lower threshold
Above INR 5 lakh75%Applies when the relevant amount exceeds INR 5 lakh

The calculator tests every valid tier and returns the highest principal consistent with both collateral value and the relevant amount range. Lenders may use a lower internal LTV and must maintain prescribed LTV on an ongoing basis.

Bullet Gold Loan Eligibility

For an RBI consumption bullet loan, both principal and interest are due at maturity. The LTV calculation uses total amount repayable at maturity, not principal alone. The calculator therefore uses the entered simple annual rate and months only to determine the correct eligibility tier.

Bullet tier amount = principal × (1 + annual rate × tenure in years)

RBI caps the tenor of consumption bullet loans at 12 months. This page does not calculate EMI or a full repayment schedule; use the dedicated repayment tools for cost comparison.

Required Gold Weight for a Requested Loan

When a requested principal is entered, the calculator identifies the applicable LTV, divides the requested amount by that LTV and then converts required collateral value into gold weight at the entered assessed rate.

Required collateral value = requested principal / applicable LTV
Required eligible weight = required collateral value / assessed collateral rate per gram

The result assumes the additional gold has the same assessed purity and valuation rate. Mixed-karat items should be calculated separately or valued using a lender-provided combined assay.

Eligible Gold Collateral in India Mode

RBI defines eligible collateral as jewellery, ornaments or coins made of gold or silver. Loans against primary gold, such as bullion, or financial assets backed by primary gold are prohibited under this framework.

  • Gold ornaments: aggregate pledged weight for all loans to a borrower cannot exceed 1 kilogram.
  • Gold coins: aggregate pledged weight for all loans to a borrower cannot exceed 50 grams.
  • India mode rejects other item types and inputs above these aggregate ceilings.
Aggregate warning: the limits and LTV tiers are borrower-level. If other gold loans or collateral already exist, use the total figures required by the lender rather than treating this calculation as an isolated new loan.

How Lenders Value Gold for Eligibility

Under the RBI Directions, eligible collateral is valued at the lower of the preceding 30-day average closing price or previous-day closing price for the specific purity, using an IBJA or SEBI-regulated commodity-exchange publication. If that purity is unavailable, the nearest available purity is proportionately adjusted.

Only intrinsic gold value is counted. Precious stones, gems, making charges, brand premium and purchase tax are not added to collateral value. The lender must document gross weight, net weight, deductions, purity and assessed value in its certificate.

Worked Gold Loan Eligibility Example

Assume jewellery weighs 25 grams including 2 grams of excluded stones. The remaining 23 grams tests at 22K, the entered lender rate is CU 7,000 per gram for 22K and custom LTV is 75%:

  • Eligible gold-alloy weight = 25 g − 2 g = 23 g
  • Fine-gold equivalent = 23 g × 91.6% = 21.068 g
  • Estimated collateral value = 23 g × CU 7,000 = CU 161,000
  • Maximum estimated principal = CU 161,000 × 75% = CU 120,750
  • Average maximum loan per eligible gram = CU 5,250
  • A CU 150,000 request needs CU 200,000 collateral value
  • Required eligible weight = 28.57142857 g, leaving a 5.57142857 g shortfall

CU means any currency unit. These figures are mathematical examples, not current gold prices or lender offers.

Why Actual Gold Loan Eligibility May Be Lower

  • The lender deducts more stone, fastening or non-gold weight than entered.
  • Assay purity is below the selected karat or hallmark.
  • The accepted reference rate is lower than the rate entered.
  • The lender's internal LTV is below the permitted maximum.
  • Existing borrower exposure changes the total amount or available limit.
  • Ownership, KYC, repayment capacity or required documentation is insufficient.

Eligibility Checklist Before Applying

  • Separate mixed-karat items and identify known non-gold weight.
  • Ask which valuation rate, purity basis and LTV the lender will use.
  • Carry ownership declaration and KYC documents required by the lender.
  • Disclose existing loans or pledged collateral when requested.
  • Obtain the assay certificate and Key Fact Statement before accepting.
  • Compare interest, fees and repayment risk after checking eligibility.

Related Gold Loan Calculators

Gold Loan Calculator Gold Loan EMI Calculator Gold Loan Interest Calculator Gold Loan LTV Calculator Gold Loan Repayment Calculator Gold Value Calculator All Metals Calculators

Frequently Asked Questions

How is gold loan eligibility calculated?
Eligible net gold weight is valued at the lender-accepted purity and rate, then the applicable LTV is applied. Final approval also depends on borrower and lender checks.
How much gold loan can I get per gram?
Divide estimated maximum principal by eligible gold-alloy grams. The amount changes with purity, lender valuation, LTV and total loan tier.
How much loan can I get on 10 grams of gold?
For the same assumptions, multiply the displayed average maximum loan per eligible gram by 10. Recalculate with 10 grams because tier changes can alter the exact result.
What gold purity is eligible for a gold loan?
Accepted purity depends on lender policy and jurisdiction. Enter the actual assay purity accepted by the lender rather than assuming a hallmark guarantees eligibility.
Are stones included in gold loan eligibility?
No. Stones, gems and other excluded material should be removed from eligible gold weight and are not added to intrinsic collateral value.
What LTV does the calculator use?
Custom mode uses the entered lender LTV. India mode illustrates RBI consumption-loan ceilings of 85%, 80% and 75% according to the applicable total amount.
Why does bullet gold loan eligibility use interest?
RBI defines bullet-loan LTV using total principal and interest payable at maturity, so interest and tenure can change the applicable tier and maximum principal.
Can I calculate required gold weight for a requested loan?
Yes. Enter the requested total principal. The result shows required collateral value, required eligible weight and any additional or surplus weight.
Are gold bars eligible in India RBI mode?
No. The illustrated framework permits eligible jewellery, ornaments and coins but prohibits lending against primary gold or financial assets backed by primary gold.
Does the calculator guarantee gold loan approval?
No. It estimates collateral-based eligibility only. The lender decides accepted weight, assay, rate, LTV, borrower assessment, documentation and final sanction.

Official Reference Sources

Disclaimer: This calculator and guide provide general educational estimates, not a live gold price, assay, appraisal, eligibility certificate, lender offer, loan approval, Key Fact Statement, legal opinion or financial advice. Rules and lender terms vary by country, purpose, institution and borrower. Verify eligible collateral, borrower-level exposure, valuation, LTV, ownership, documentation, interest, fees and applicable law directly with the lender before pledging gold.