Value comes first
Gold weight alone does not determine borrowing. Purity, valuation and eligible gold value matter.
Gold borrowing intelligence
Understand your gold loan before you borrow
Estimate borrowing against your gold, understand LTV, explore repayment costs and compare sourced reference information from major banks and NBFCs.
LTV shapes eligibility
A loan-to-value percentage determines how much of the assessed gold value is used for an estimate.
Terms still matter
Interest, repayment structure, fees and lender policies can materially change the borrowing cost.
Calculate before comparing
Start with your own numbers
Estimate eligibility first, then explore repayment cost and interest scenarios. Calculator results are informational estimates rather than lender quotations.
Gold Loan Calculator
Estimate how much you may be able to borrow against your gold.
Open calculatorGold Loan EMI Calculator
Estimate monthly repayments using a reducing-balance EMI calculation.
Open calculatorGold Loan Interest Calculator
Estimate simple interest for a gold loan amount, rate and tenure.
Open calculatorProvider directory
Compare gold-loan providers
Published rates and terms can vary by scheme. These cards provide sourced reference information, not rankings, recommendations or personalised loan offers.
Compare the complete borrowing structure, not only the headline rate. Eligibility, valuation, LTV, charges, repayment options and final pricing remain lender- and scheme-dependent.
Bank
State Bank of India
Published rate reference
From 9.15% p.a.
SBI's current official site displays Gold Loan rates starting from 9.15% p.a. Actual pricing depends on the applicable product and terms.
Repayment structures
EMIBulletOverdraft
Reference checked 2026-10-08. Terms can change and may vary by scheme.
1 official source recorded.
Check current lender termsBank
HDFC Bank
Published rate reference
From 11.91% p.a.
HDFC Bank currently displays a starting Gold Loan rate of 11.91% p.a.; actual pricing depends on the applicable offering.
Published tenure
6–42 months
Repayment structures
EMIBulletPeriodic interestOverdraft
Reference checked 2026-10-08. Terms can change and may vary by scheme.
1 official source recorded.
Check current lender termsBank
ICICI Bank
Published rate reference
Check current lender terms
A numeric comparison rate is not shown without a sufficiently clear verified source.
Reference checked 2026-10-08. Terms can change and may vary by scheme.
Check current lender termsNBFC
Muthoot Finance
Published rate reference
10.5%–24% p.a.
Muthoot states 10.50%–22% when interest is serviced monthly and a maximum 12-month rate of 24%. Scheme conditions and repayment behaviour apply.
Published tenure
3–12 months
Repayment structures
BulletEMIPeriodic interest
Reference checked 2026-10-08. Terms can change and may vary by scheme.
2 official sources recorded.
Check current lender termsNBFC
Manappuram Finance
Published rate reference
9.9%–24% p.a.
Published 2026 scheme interest ranges span 9.90% to 24% p.a., depending on scheme, amount, tenure and payment conditions. The lender also publishes a 26.82% annualised rate for its 12-month structure.
Repayment structures
BulletEMIPeriodic interest
Reference checked 2026-10-08. Terms can change and may vary by scheme.
1 official source recorded.
Check current lender termsNBFC
IIFL Finance
Published rate reference
9.72%–27% p.a.
IIFL currently publishes Gold Loan rates of 9.72%–27% p.a., depending on the scheme availed.
Repayment structures
EMIBulletPeriodic interestOverdraft
Published processing fee
Up to 2% of the loan amount, exclusive of GST.
Reference checked 2026-10-08. Terms can change and may vary by scheme.
2 official sources recorded.
Check current lender termsIndependent comparison
Gold Ledger is not a lender, loan broker or representative of the providers shown above. Provider names and logos are used only for identification. Their trademarks belong to their respective owners, and inclusion does not imply endorsement or partnership.
Always verify the current rate, eligibility, valuation, LTV, tenure, charges, repayment terms and sanction documents directly with the lender before borrowing.
Borrowing fundamentals
What to compare beyond the advertised rate
Valuation
How the lender assesses eligible gold, purity and lending value.
LTV
How much of the assessed value can be used for the loan under applicable terms.
Repayment
EMI, bullet, periodic-interest or other repayment structures can behave differently.
Charges
Processing, valuation, overdue, foreclosure or other applicable charges can affect cost.
Frequently asked questions
How is a gold loan amount calculated?
A lender first values eligible pledged gold using its valuation methodology and then applies the applicable loan-to-value rules and product terms. An online calculator can estimate this relationship but cannot predict a lender's final sanction.
Does every lender offer the same LTV?
No. Applicable limits, product structures and lender policies can differ. Gold Ledger uses LTV only as an informational scenario input and does not treat it as a guaranteed entitlement.
Is the lowest advertised interest rate guaranteed?
No. Starting rates and published ranges are reference information. The actual rate can depend on the lender, scheme, loan amount, repayment structure and other applicable conditions.
Do gold-loan interest rates change?
Yes. Lenders can revise schemes, rates, fees and other terms. Provider information on Gold Ledger includes verification context, but you should confirm current terms with the lender before borrowing.