Gold Loan Calculator – Free Online Gold Loan Calculator | eJOHRI
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Gold Loan



Gold loan calculator at eJOHRI

A gold loan is a secure way to get quick money to finance planned or unplanned expenditures. Funds from your gold loan can be used for any purpose, be it paying for a wedding, a trip abroad or even a business or medical emergency.

If you want to avail of a gold loan, make use of eJOHRI’s free online gold loan calculator to understand the loan amount you stand to get against your gold. For example, if you have 20 grams of gold, the calculator will tell you the amount of money you can get for it. Therefore, you can even use the loan calculator to figure out how much gold you will need in order to get a certain loan amount. For example, if you need a gold loan of Rs. 5 lakhs, the calculator will tell you the weight of gold required to get a loan of this amount.

How to use eJOHRI’s gold loan eligibility calculator?

At eJOHRI, we have an online gold loan calculator that is extremely easy to use. Our simple calculator tool will quickly tell you if your gold is eligible for a loan and how much money you can expect to get for it.

All you need to do is enter the amount of gold in our online gold loan eligibility calculator. The loan amount you can get next to your gold is automatically calculated and displayed. The calculation takes into account the gold rate (per gram) for 24 KT. To get your loan amount, click on ‘get cash’. You will be taken to form, asking for your name, pin code, loan amount, and phone number. Fill in all these details to get a list of banks offering gold loans on your gold amount.

Once you apply for a loan, our experts will get in touch with you to get the documentation and KYC done for your gold loan. You can opt for doorstep valuation of your gold, and once it is verified, the loan amount will be disbursed directly to your bank account. Our customer service team will answer your all your queries regarding these steps. Apply now, for a hassle-free experience.

Gold loan interest calculator and EMI calculator

We have partnered with leading banks and NBFCs to get you the lowest interest rates on your gold loan. The rate offered varies from bank to bank. Most interest rates start at 9.99% p.a. and can go up to 24% p.a. You don’t need a gold loan interest calculator as our experts will help you with this after understanding your gold amount and the bank you wish to avail the loan from. Additionally, you can find out interest details by filling in the form at the top of the page.

At eJOHRI, you’ll also find an online calculator that helps you check your gold loan EMI amount. All you need to be is enter your loan amount, loan tenure and interest rate. Your gold loan EMI will automatically be calculated and displayed on the screen.

At eJOHRI you can get a gold loan by following a simple 5-step process:

  • Choose your amount and location
  • Select your preferred bank
  • Use our gold loan EMI calculator to understand your EMI payments
  • Visit the bank to submit documents and verify your gold
  • Collect your cash after verification and valuation of your gold

eJOHRI’s online gold loan interest calculator helps you get an estimate of the interest charged by different banks based on your gold or loan amount.

After filling in details like loan amount, name, pin code, phone number, a list of banks offering gold loans and their interest rates will be displayed. If a person requires a gold loan of Rs 5 lakhs, eJOHRI will give an interest estimate from various banks, as well as loan tenure in the below fashion:

* The gold per gram rate is measured on 22KT purity.

Bank Per Gram (Rs.) Interest Rate (monthly) Tenure (Months) Minimum Gold Required
HDFC ₹ 3059 1.04% 12 months 163.45 gms
IIFL ₹ 3165 1% 9 months 157.98 gms

Frequently Asked Questions (FAQs)

Yes. Our online Gold loan eligibility calculator is completely free to use.

Our online gold loan calculator helps you understand the loan amount you stand to get against the gold you have. This makes it easy for you to know the exact amount you are going to receive even before proceeding with further formalities.

There are several possibilities if you fail to repay your gold loan on time, or miss 3 consecutive payments. Some banks charge a penal interest, which is an interest rate over and above your regular interest rate. Some banks may decide to offer you an extension on the gold loan tenure. If do not repay your loan after the tenure, the bank has every right to sell/auction off your gold ornaments to recover the costs.

Most of our banking partners disburse gold loans quickly. With us, you can get a gold loan within 1 – 2 hours.

Most banks have a fixed interest rate. But some banks levy a floating rate too. Get all details, before taking the loan.