How Much Gold Loan Can You Get on 10, 20 and 50 Grams?
See how much gold loan you can get on 10, 20 and 50 grams of gold. Check the formula, RBI LTV limits and an indicative 22K and 18K loan table.
How Much Loan Can You Get on 10, 20 and 50 Grams of Gold?
The loan you get depends on the weight of your gold, its purity, the day's gold rate and the lender's loan-to-value (LTV) ratio. As a rough guide, 10 grams of 22K jewellery can fetch about ₹1.1 lakh, 20 grams about ₹2.2 lakh and 50 grams close to ₹5 lakh at current rates. Your actual offer will differ, so treat these as estimates.
Gold Loan Amount Formula
Loan amount = net gold weight × gold rate per gram for your purity × LTV
Net weight means only the gold. Stones, enamel, pearls and other non-gold parts are usually not counted.
RBI LTV Limits for Gold Loans
| Loan Amount | Maximum LTV |
|---|---|
| Up to ₹2.5 lakh | 85% |
| ₹2.5 lakh to ₹5 lakh | 80% |
| Above ₹5 lakh | 75% |
Indicative Gold Loan on 10, 20 and 50 Grams
This table assumes 22K gold at about ₹13,000 per gram and 18K gold at about ₹10,650 per gram. These are rounded, illustrative rates, so check today's rate on the Gold Rates page.
| Gold Weight | 22K Value | Indicative Loan (22K) | 18K Value | Indicative Loan (18K) |
|---|---|---|---|---|
| 10 grams | ₹1,30,000 | About ₹1.1 lakh | ₹1,06,500 | About ₹90,500 |
| 20 grams | ₹2,60,000 | About ₹2.2 lakh | ₹2,13,000 | About ₹1.8 lakh |
| 50 grams | ₹6,50,000 | About ₹4.9 to ₹5 lakh | ₹5,32,500 | About ₹4.3 lakh |
For 50 grams of 22K gold, the loan sits close to the ₹5 lakh tier limit, so lenders may cap or round the amount differently.
Why Your Offer May Be Lower
- Net weight: Stones and other non-gold parts are deducted.
- Purity test: The lender tests purity, and lower purity means lower value.
- Valuation method: Lenders follow a uniform valuation method, so the value may differ from the day's market rate.
- Lender policy: Some lenders offer less than the maximum LTV.
- Gold type: Gold bars and bullion are not accepted under RBI rules, and coins are accepted only within set limits.
Should You Borrow the Maximum?
Not always. If gold prices fall, your LTV rises and the lender may ask you to part-pay or add more gold. Borrowing a little less than the maximum gives you a cushion. Take only what you need and choose a repayment plan you can sustain.
How to Check Your Eligible Amount
- Weigh your jewellery and note the purity (18K, 22K or 24K).
- Subtract the weight of stones and other non-gold parts.
- Check today's gold rate for your purity.
- Apply the LTV limit for your loan size.
- Use a calculator to confirm before you visit a lender.
Conclusion
On rough numbers, 10 grams of 22K gold gets you around ₹1.1 lakh, 20 grams around ₹2.2 lakh and 50 grams close to ₹5 lakh. The final amount depends on purity, net weight, the gold rate and the lender. Calculate first, borrow only what you need and keep a safety margin.
Frequently Asked Questions
How much loan can I get on 10 grams of gold?
At about ₹13,000 per gram for 22K gold and an 85% LTV, 10 grams can fetch around ₹1.1 lakh. Your actual offer depends on purity, net weight and the lender.
How much gold loan can I get on 20 grams of gold?
Around ₹2.2 lakh for 22K gold at the same illustrative rate and LTV. Lenders may offer less.
How much gold loan can I get on 50 grams of gold?
Roughly ₹4.9 to ₹5 lakh for 22K gold at an illustrative ₹13,000 per gram, as the amount sits near the ₹5 lakh LTV tier.
Can I get 100% of my gold value as a loan?
No. RBI limits the loan to 85% of gold value for loans up to ₹2.5 lakh, 80% up to ₹5 lakh and 75% above that.
Does gold purity change the loan amount?
Yes. Higher purity means a higher gold value per gram, so 22K gold fetches a larger loan than 18K gold of the same weight.
Are stones and enamel counted in the gold loan value?
Usually not. Lenders value only the net gold weight, so stones and other non-gold parts are deducted.
What happens if gold prices fall after I take the loan?
Your LTV rises. The lender may ask for a part-payment or more gold, and may auction the gold after notice if the loan stays under-secured.
Explore More with FinVedik GoldBiz
Want to check your exact amount? Try our Gold Loan Eligibility Calculator
Disclaimer: This article is for general information only and is not financial advice. Rates, LTV limits and fees vary by lender, so verify before you borrow.
