Work out the numbers
before you call.
Two calculators. Both give illustrative figures only — the amount we actually lend depends on the valuation in front of you, your credit assessment and the rate that applies to your file.
What is my gold worth
as a loan?
Enter the weight of your ornaments and their purity. We apply a loan-to-value ratio to the net gold content — RBI caps this at 75% for loans against the pledge of gold ornaments.
The gold rate is not live — set it to today's rate for a realistic figure. Actual purity is determined by assay at our counter, and ornaments are weighed net of stones, beads and fastenings.
What would the
instalment be?
Standard reducing-balance EMI on the amount, rate and tenure you enter. Your actual rate is set by our Interest Rate Policy and stated in your sanction letter.
Excludes processing fees, documentation charges, stamp duty, insurance and any penal charges. See our Interest Rate Policy for the full schedule of charges.
Get a real figure.
Bring the ornaments in, or tell us about the asset. A valuation at our counter takes minutes and the number you get is one we will actually lend against.