Gold loan calculator
How much can your gold get you?
Enter the weight and purity of your gold. We use RBI’s limits to show the most a lender can give, and the interest a month at the rate you pick. The lender checks your gold and makes the final offer.
- RBI limits: 85%, 80%, 75%
- Jewellery up to 1 kg
- No fee to apply
Calculator
Your gold, your loan.
Enter the weight and purity of your gold. We use RBI’s limits to show the most a lender can give. The lender checks your gold in front of you and makes the final offer.
1 g1 kg
Leave out stones and other parts that are not gold. Up to 1 kg of jewellery in all.
Rate as on 13 Nov 2026. Change it if your jeweller quotes another.
6%30%
An example only. Each lender sets its own rate in its Key Fact Statement.
Most a lender can give
₹3,98,376
- 85%loans up to ₹2.5 lakh
- 80%₹2.5 lakh to ₹5 lakh
- 75%above ₹5 lakh
- Value of your gold
- ₹4,97,970
- Pure gold in it
- 36.7 g
- Interest a month, on the full amount
- ₹3,984
An estimate, not an offer. The loan comes from an RBI-regulated bank or NBFC; Firstfund is not a lender.
How lenders value gold
What goes into the number.
Weight
Only the gold counts. The lender leaves out stones, beads and other parts that are not gold.
Purity
Measured in carats. 24 carat is pure gold; 22 carat is 22 parts gold in 24.
Gold rate
Each lender says which gold price it uses to value your gold. Ask before you pledge.
RBI limit
85% of the value for loans up to ₹2.5 lakh, 80% up to ₹5 lakh, 75% above.
The calculator is an estimate, not an offer. The lender makes the final offer after checking your gold.
Questions
Gold loan calculator FAQs.
Why is my offer lower than the calculator?
The lender weighs only the gold, checks its purity and uses its own gold price. It may also offer less than RBI’s limit. The calculator shows the most RBI allows.
Which gold rate does the calculator use?
The rate our team updates, with its date, for 24 carat gold per gram. You can type another rate if your jeweller quotes one.
How much can I borrow against my gold?
RBI sets the most a lender can give against your gold: 85% of its value for loans up to ₹2.5 lakh, 80% for loans over ₹2.5 lakh up to ₹5 lakh, and 75% above ₹5 lakh.
Does Firstfund charge a fee?
No. Applying through Firstfund is free. The lender’s own charges are shown in its Key Fact Statement before you accept.
Your next step
Ready to see real offers?
Share your details once. Our team will connect with you about the next steps.