Gold Loan Estimator
Maximum Loan Amount (75% LTV)
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Gold Value
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Monthly Interest
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Gold Loan Calculator: Get the Maximum Value for Your Assets
Are you planning to unlock the value of your gold jewelry? Whether it is for a medical emergency, business expansion, or personal needs, a Gold Loan is one of the fastest ways to get liquidity. Our advanced Gold Loan Calculator is designed to provide you with an instant estimate of the loan amount you can get against your gold.
In this guide, we will help you understand how a Gold Calculator works and how you can use it to secure the best deal from banks and NBFCs.
What is a Gold Loan Calculator?
A Gold Loan Calculator is a smart digital tool that calculates the eligibility of a borrower based on the weight and purity of their gold. Since gold rates fluctuate daily, using an online gold calculator ensures that you get the most updated valuation according to the current market price.
How Does the Calculator Work?
The calculation depends on three primary factors:
- Gold Weight: The total weight of your gold in grams (excluding stones or gems).
- Gold Purity: Usually measured in Karats (24K, 22K, or 18K).
- LTV (Loan to Value) Ratio: As per RBI guidelines, most lenders provide up to 75% of the market value of your gold as a loan.
गोल्ड लोन कैलकुलेटर: अपने सोने की सही कीमत का पता लगाएं
अगर आप अपने सोने पर लोन लेने की सोच रहे हैं, तो हमारा Gold Loan Calculator आपके लिए सबसे उपयोगी टूल है। यह न केवल आपको आपके सोने की बाजार कीमत बताता है, बल्कि यह भी स्पष्ट करता है कि आपको बैंक से कितना पैसा मिल सकता है।
गोल्ड लोन के मुख्य लाभ (Key Benefits of Gold Loan)
- Instant Liquidity: गोल्ड लोन अन्य लोन के मुकाबले बहुत कम समय में मिल जाता है।
- Lower Interest Rates: क्योंकि यह एक ‘Secured Loan’ है, इसलिए इसकी ब्याज दरें पर्सनल लोन से काफी कम होती हैं।
- Minimal Documentation: इसमें आपको इनकम प्रूफ या ज्यादा कागजी कार्रवाई की जरूरत नहीं पड़ती।
- Safe Storage: आपका सोना बैंक के सुरक्षित लॉकर (Vaults) में रखा जाता है।
Tips to Use a Gold Calculator Effectively
To get the most out of our Gold Loan Calculator, follow these simple tips:
- Check Daily Rates: Gold prices change every day. Always check the live gold rate before using the gold calculator.
- Net Weight Matters: Remember that banks only lend on the “Net Weight” of the gold. Any precious stones, diamonds, or beads attached to your jewelry will be deducted from the total weight.
- Compare Lenders: Different banks have different processing fees and interest rates. Use the calculator to compare which bank offers the lowest monthly interest.
What is the difference between a Gold Calculator and a Gold Loan Calculator?
A Gold Calculator tells you the total market value of your gold based on weight and purity. A Gold Loan Calculator goes a step further and tells you the exact amount a bank will lend you (usually 75% of the total value).
Can I get a 100% loan on my gold value?
No, according to RBI regulations, the maximum Loan to Value (LTV) ratio is capped at 75% to protect lenders from market volatility.
Does my CIBIL score affect my gold loan?
Unlike personal loans, gold loans depend more on the collateral (gold). However, a good CIBIL score might help you get a slightly better interest rate.
गोल्ड लोन के लिए कौन सा सोना स्वीकार किया जाता है?
आमतौर पर बैंक 18 कैरेट से लेकर 24 कैरेट तक का सोना स्वीकार करते हैं। सोने की शुद्धता जितनी अधिक होगी, लोन की राशि उतनी ही ज्यादा होगी।