Gold Loan Interest Calculator
Enter the weight and purity of your gold to see the maximum loan, then compare paying interest monthly, a bullet repayment and EMI.
QUICK ANSWERMaximum gold loan = gold weight × gold rate per gram (adjusted for karat) × LTV. With 40 g of 22K gold at ₹7,200/g and 75% LTV, the maximum loan is ₹2,16,000. Monthly interest = loan × annual rate ÷ 12; at 15% that is ₹2,700 a month. In bullet schemes, unpaid interest compounds and is paid with the principal at the end.
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- Same workflow in a free FastFee account, on every device and for your whole team
- Automatic WhatsApp reminders before and after due dates
- Payment links, UPI and AutoPay with auto receipts and live “paid” status
What you get free in the Gold Loan Interest Calculator
- ✅ Weight × karat × rate
- ✅ LTV cap
- ✅ Monthly interest, bullet, EMI
- ✅ Interest for 3–24 months
- ✅ Penal rate scenario
- ✅ Share on WhatsApp
How to use the Gold Loan Interest Calculator
- STEP 1Enter goldWeight in grams, karat and today’s 22K rate.
- STEP 2Enter loanLoan amount (or keep 0 for maximum), interest rate and scheme.
- STEP 3Compare schemesMonthly interest vs bullet vs EMI and the total interest.
- STEP 4ShareCopy or send the result.
Frequently asked questions
How much loan can I get on 10 grams of gold?
At ₹7,200 per gram for 22K and 75% LTV, about ₹54,000. Lenders deduct stones and wastage, so the actual figure is usually a little lower.
What happens if I do not pay gold loan interest?
Interest is added to the loan; when the balance crosses the LTV limit, the lender sends a notice and can auction the gold after the notice period.
Is this tool free? Do I need to sign up?
Yes, it is completely free with no login and no limit on entries. Signing up for FastFee is optional. The free plan keeps your records synced across devices; automatic WhatsApp reminders, UPI AutoPay and team logins are on FastFee Premium.
Where is my data stored?
Only in your browser on this device (local storage). Nothing is uploaded to FastFee. Clearing browser data deletes it, so export a CSV or PDF backup regularly.
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