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Instant gold valuation & repayment estimates. Calculate your maximum loan eligibility across 24K, 22K, and 18K gold under RBI's 75% LTV ceiling.
Standard Indian jewelry is 22K Hallmark. Bullion & coins are 24K.
Monthly EMI (Regular Repayment)
Most lenders (SBI, Muthoot, Manappuram, HDFC) offer multiple repayment structures:
₹22,666/mo
Total Interest: ₹14,179 over 12 months.
₹2,148/mo
Principal of ₹2,57,813 repaid at end of tenure.
₹2,83,594
No monthly payments. Clear principal + ₹25,781 interest at end.
75% of appraised 22K gold value (₹3,43,750)
Total payment: ₹2,71,992 over 12 months
Under Reserve Bank of India mandates, bank & NBFC gold loans are legally capped at 75% of market value for your safety.
Detailed repayment breakdown for standard EMI repayment
A gold loan is an ideal financing option for short-term liquidity, medical emergencies, education expenses, or business working capital. Since it is fully collateralized by gold, lenders disburse funds quickly with minimal paperwork and flexible credit criteria.
BIS Hallmark certified gold ensures exact purity appraisal without valuation disputes or unnecessary deduction cuts.
Your pledged ornaments are sealed in tamper-proof bags, stored in bank-grade vaults, and insured against fire or theft.
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