Gold loan EMI Calculator
Gold loan depending on the amount of the loan, the interest rate, and the loan duration.
Maximum loan amount: ₹50,00,000
Lenders' published rates for Gold Loan: 8.50%–27.00% p.a..
Maximum tenure: 3 years (36 months)
Monthly EMI
₹17,444
Total interest
₹9,327
Total payment
₹2,09,327
Indicative only — your actual EMI depends on the lender's exact rate and terms at sanction.
Principal vs. interest
- Principal 95.5%
- Interest 4.5%
Principal & interest paid per year
Time on the x-axis, amount repaid on the y-axis — early on leans toward interest, later on toward principal.
Full breakdown, starting this month
Assumes your first EMI falls this month — click a period to see every month within it.
Nov 2026 – Oct 2027 Principal paid₹2,00,000 Interest paid₹9,327 Total paid₹2,09,327
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Nov 2026 | ₹16,027 | ₹1,417 | ₹17,444 | ₹1,83,973 |
| Dec 2026 | ₹16,141 | ₹1,303 | ₹17,444 | ₹1,67,832 |
| Jan 2027 | ₹16,255 | ₹1,189 | ₹17,444 | ₹1,51,577 |
| Feb 2027 | ₹16,370 | ₹1,074 | ₹17,444 | ₹1,35,206 |
| Mar 2027 | ₹16,486 | ₹958 | ₹17,444 | ₹1,18,720 |
| Apr 2027 | ₹16,603 | ₹841 | ₹17,444 | ₹1,02,117 |
| May 2027 | ₹16,721 | ₹723 | ₹17,444 | ₹85,397 |
| Jun 2027 | ₹16,839 | ₹605 | ₹17,444 | ₹68,557 |
| Jul 2027 | ₹16,958 | ₹486 | ₹17,444 | ₹51,599 |
| Aug 2027 | ₹17,078 | ₹365 | ₹17,444 | ₹34,521 |
| Sep 2027 | ₹17,199 | ₹245 | ₹17,444 | ₹17,321 |
| Oct 2027 | ₹17,321 | ₹123 | ₹17,444 | ₹0 |
About the Gold Loan
Gold loans are generally considered secured loans as they require the individual to pledge gold as collateral against the loan amount. The gold will be kept as collateral with the lender until the loan is paid off. Since it is a gold-backed loan, it becomes easy for people who want to take out the loan.
Find your ideal Tenure
Pick 3 tenures to compare — same ₹2,00,000 at 8.50% each time.
| Tenure | EMI | Total interest |
|---|---|---|
| ₹17,444 | ₹9,327 | |
| ₹9,091 | ₹18,187 | |
| ₹6,314 | ₹27,286 |
Compare Rates & Savings
Pick 3 rates to compare — same ₹2,00,000 over 1 year each time.
| Rate | EMI | Total interest |
|---|---|---|
| ₹17,444 | ₹9,327 | |
| ₹18,312 | ₹19,747 | |
| ₹19,203 | ₹30,442 |
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Gold Loan EMI — frequently asked questions
What are the common documents required to apply for a gold loan?
Some documents are required to apply for a gold loan, and these include identity proofs, address proofs, photographs and information pertaining to the gold being pledged.