🪙 Gold Rate & Gold Loan Calculator

Know Your Gold’s Value. Estimate Your Loan. Make Smarter Decisions. ✨

Whether you’re planning to buy or sell gold jewelry, checking what your ornaments are worth, or considering a gold loan, getting the numbers right matters.

Our Gold Rate & Gold Loan EMI Calculator brings both calculations together in one simple tool. Enter the current gold rate, select the purity, add your weight, and instantly estimate your gold value, jewelry price, loan eligibility, EMI, interest, and total repayment.

💡 Best of all, the gold rates are editable, so you can update them with the latest rate quoted by your local jeweler or lender.

🧮 Two Useful Calculators in One

💎 1. Gold Value Calculator

Want to know approximately how much your gold jewelry costs?

Enter:

• 🪙 Gold purity — 24K, 22K, 18K, or 14K
• ⚖️ Gold weight
• 💰 Current gold rate per gram
• ✨ Making charges
• 📊 Wastage
• 🧾 GST

The calculator breaks down the estimated price so you can see exactly where the total comes from.

🏦 2. Gold Loan EMI Calculator

Thinking about pledging your gold for a loan?

Enter your:

• ⚖️ Gold weight
• 🪙 Gold purity
• 📈 Loan-to-value (LTV)
• 💰 Interest rate
• 📅 Loan tenure
• 🔄 Repayment method

You’ll get an estimate of your eligible loan amount, monthly payment, total interest, and total amount payable.

🪙 Select Your Gold Purity

Gold jewelry comes in different purities, and purity has a direct impact on its value.

Choose from:

24K — Highest commonly traded purity
22K — Commonly used for Indian gold jewelry
18K — Often used for durable jewelry and designs with other metals
14K — Lower gold content with greater alloy content

You can also edit the rate for each purity to match the latest price you’re using.

⚖️ Gold Weight Converter

Don’t have your gold weight in grams?

No problem.

The calculator supports:

• Grams
• Tola
• Troy ounce

Simply select the unit and enter your weight. The calculator converts it automatically before calculating the gold value.

💰 How Is Gold Jewelry Price Calculated?

The final price of jewelry isn’t simply:

Gold weight × Gold rate

Other charges can affect what you pay.

The calculator considers:

Base Gold Value
= Gold Weight × Gold Rate

Then it can add:

➕ Wastage charges
➕ Making charges
➕ GST

This gives you an estimated total payable price.

💡 Example

Suppose you have 10 grams of 22K gold and the rate you enter is ₹14,200 per gram.

The base gold value would be:

10 × ₹14,200 = ₹142,000

If making charges, wastage, and applicable taxes are added, your final jewelry price will be higher.

That’s why comparing only the advertised gold rate may not tell you the actual amount you’ll pay.

🏦 Estimate Your Gold Loan Eligibility

A gold loan allows you to borrow money by pledging eligible gold jewelry as collateral.

Your potential loan amount depends on factors such as:

🪙 Gold purity
⚖️ Net gold weight
💰 Assessed gold value
📊 Applicable LTV
🏦 Lender’s policies
📈 Interest rate

The calculator uses your entered gold rate, weight, and LTV to provide an estimated loan amount.

📊 What Is LTV?

LTV = Loan-to-Value

It represents the percentage of the assessed collateral value that can be borrowed.

For example, if your eligible gold value is ₹2,00,000 and the applicable LTV is 75%:

Estimated Loan = ₹2,00,000 × 75% = ₹1,50,000

The actual amount offered by a lender can differ after its valuation, purity assessment, fees, and lending rules are applied.

💳 Choose Your Repayment Method

Different gold loans can use different repayment structures.

📅 EMI

Pay a regular monthly amount containing principal and interest over the selected tenure.

🎯 Bullet Repayment

Pay interest during the loan period and repay the principal at the end, subject to the lender’s terms.

🔄 Overdraft

For an overdraft-style facility, interest may be based on the amount actually drawn rather than the entire sanctioned limit.

Always check the lender’s exact repayment structure before choosing a loan.

📈 See Your Total Interest

A low monthly payment doesn’t necessarily mean a low-cost loan.

That’s why the calculator shows:

💰 Estimated loan amount
📅 Loan tenure
💳 Monthly payment
📈 Total interest
🧾 Total payable amount

This makes it easier to understand the overall cost of borrowing.

🇮🇳 Gold Rates in India Can Change

Gold prices can change throughout the day and can vary depending on factors such as:

🌍 International gold prices
💵 Currency movements
📈 Market conditions
🏦 Local demand
📍 City and dealer differences
🪙 Gold purity
💰 Jeweler or lender pricing

Because of this, don’t rely on the default rate when making an actual purchase or loan decision.

👉 Update the calculator with the latest rate quoted by your jeweler or lender.

🔍 Gold Value vs. Gold Loan Value

These two numbers are not necessarily the same.

The retail price you paid for jewelry can include:

• Gold value
• Making charges
• Wastage
• Taxes
• Design premiums

A lender may instead assess the eligible gold content and applicable valuation rules when determining the loan amount.

So a jewelry item’s purchase price should not automatically be treated as its gold-loan collateral value.

🧠 Why Use This Calculator?

Instead of doing several calculations manually, get a quick estimate in one place.

✨ With the Gold Value Calculator

✔ Calculate gold value
✔ Compare different purities
✔ Include making charges
✔ Include wastage
✔ Add GST
✔ Convert weight units

🏦 With the Gold Loan Calculator

✔ Estimate collateral value
✔ Calculate potential loan amount
✔ Adjust LTV
✔ Compare repayment methods
✔ Estimate EMI or interest payments
✔ Calculate total interest
✔ Estimate total repayment

🚀 Try the Calculator

Have some gold to value or considering a gold loan?

Select your gold purity, enter the latest rate and weight, and let the calculator do the math. 🪙📊

💡 Remember

The result is an estimate, not a guaranteed jewelry price or loan approval.

Jeweler prices, lender valuations, interest rates, processing fees, repayment conditions, purity assessments, and applicable regulations can vary.

For an actual transaction, always confirm the final figures directly with your jeweler or lender.

Know the numbers before you make the decision. 🪙💰