Gold loan LTV calculator
Value a packet of ornaments across purities and see how much can be advanced against it.
Value a packet correctly in seconds, and see what happens to the cover if the gold price falls.
Free · no sign-up · nothing you type leaves your browser
Ornaments in the packet
22K equivalent weight
40.000 g
from 1 item · net 40.000 g
Eligible value
₹2,72,000
at ₹6,800 a gram
Maximum advance
₹2,31,200
at 85% — the band for an advance up to ₹2.5 lakh
If the rate falls 10%
94.44%
Crosses the 85% cap with nothing happening to the loan
The cap is banded by the size of the advance
RBI Directions, 2025 · in force since 1 April 2026- 85%An advance up to ₹2.5 lakhThis advance
- 80%An advance ₹2.5 lakh to ₹5 lakh
- 75%An advance above ₹5 lakh
A small packet is permitted a higher ratio than a large one against the same gold. Read a flat 75% off an older note and you under-lend on most of the gold loans written in India, which are small ones.
The value moves without the loan moving. Drop the rate and the same advance against the same ornaments crosses the cap on its own. That is why the 2025 Directions require loan-to-value to be maintained through the life of the loan rather than tested once at sanction — and why a renewal or a top-up has to be priced on today’s valuation, not the one at pledge.
Where these numbers come from
This runs the same arithmetic as the Lenviq platform, and it is held to it: the platform emits a table of worked cases from its own code, and a test here fails the build if this page reproduces any of them differently.
It is a guide, not advice. Your own board-approved policy, your scheme terms and your auditor decide what applies to a particular account.
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From the people who wrote this
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A calculator settles one account. The reason lenders move to Lenviq is the other direction — the same rules applied to every account on the book without anyone opening a spreadsheet.
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