September 10, 2026
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Gold loan valuation depends on purity, net gold weight, prescribed gold price and tiered loan-to-value limits.
Gold loan eligibility and estimated borrowing capacity depend on gold purity, eligible net gold weight, the applicable valuation price and the Loan-to-Value (LTV) limit. An online calculator may provide a preliminary estimate based on borrower-entered details, but cannot determine the final sanctioned amount. Valuation excludes stones, beads, gems and other non-gold components and remains subject to physical verification of gold weight, purity and eligibility. Tiered RBI LTV limits restrict maximum borrowing against assessed gold value, while borrowers should review applicable interest, fees, repayment terms and other charges.