Gold Loan
Gold Loan LTV Calculator
Find out how much loan you qualify for based on your gold's weight, karat, and the lender's LTV ratio (typically 75–90%).
- Gold Market Value (USD)
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- Maximum Loan (USD)
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- Collateral Cushion (USD)
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- LTV Ratio
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Uses today's spot price. RBI mandates max 75% LTV for gold loans in India. Lenders may offer higher ratios overseas.
Frequently Asked Questions
What does LTV mean in a gold loan?+
Loan-to-Value (LTV) is the loan amount as a percentage of the gold's market value. At 75% LTV: gold worth $1,000 → maximum loan $750.
Why is LTV important for gold loans?+
A lower LTV gives the lender a safety margin. If gold prices fall, the loan remains covered by collateral. Higher LTV = higher risk for the lender.
What is the RBI maximum LTV for gold loans?+
The Reserve Bank of India mandates a maximum 75% LTV for gold loans disbursed by banks. This rule was relaxed to 90% during COVID but reverted in 2021.
Can I get a gold loan for 100% of gold value?+
No legitimate lender will offer 100% LTV. The standard is 70–90% depending on lender and jurisdiction.
How is gold value assessed for a loan?+
Lenders assess gold purity using a touchstone or XRF machine, then multiply by the current market price per gram at the stated karat.