Gold Loan Calculator
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🪙 GOLD LOAN EMI CALCULATOR
ADVANCED LTV & REPAYMENT SCHEME ENGINE
22K GOLD PRICE / GRAM
₹
1. ASSET & LOAN DETAILS
2. REPAYMENT PARAMETERS
⚖️ RBI 75% LTV RULE
Banks are strictly mandated by the Reserve Bank of India to provide a maximum loan of 75% of your gold's total market value (LTV). The remaining 25% acts as a safety margin for the lender against gold price fluctuations.
🔄 WHICH SCHEME IS BEST?
Interest-Only is great for managing monthly cash flow while keeping the gold safe. Bullet Repayment means zero monthly burden, but interest compounds and must be paid in full at maturity to avoid auction.
