Gold is one of the most useful assets you can own. While it is often kept safely in lockers and worn during weddings or festivals, it can also come to your rescue when you need money. Instead of selling it, you can use your jewellery to get a gold loan and access funds quickly. This makes gold not just a symbol of wealth, but also a handy financial support for urgent and planned needs.
You do not have to sell your jewellery to raise funds. Instead, you can use it to take a gold loan. With Bajaj Finance, you can get loans ranging from Rs. 5,000 to Rs. 2 crore at competitive interest rates. This way, you get the cash you need while your ornaments remain yours. A gold loan calculator by Bajaj Finance can help you check in advance how much loan you may get for your gold, making it easier to plan your financial journey with confidence.
How is the gold loan amount calculated?
The funds you can get from a gold loan depend on how your jewellery is valued. Lenders like Bajaj Finance usually look at these key points to determine the loan amount:
Purity: While jewellery between 18 and 22 karats is accepted for loans, higher purity fetches a higher loan value.
Weight: Only the weight of pure gold is considered. Stones and other metals are excluded.
Today’s gold rate in India: The value of your gold jewellery changes with changes in the daily market price of gold. Therefore, prevailing gold rates also impact the loan amount.
LTV ratio: With Bajaj Finance, you can get up to 75% of your gold’s value as a loan as per RBI rules.
What is a gold value calculator?
A gold value calculator is an easy online tool that helps you find out how much you can borrow against your gold jewellery. It works by taking into account the weight of your jewellery, the purity of the gold, and today’s gold rate in India. Using this information, the calculator gives you an instant loan estimate so you can plan your loan with confidence.
Please note: The calculator provides only an estimate. The actual loan amount may vary based on the lender’s evaluation of your gold.
How to use a gold value calculator?
A gold value calculator, or the gold loan calculator, makes it easy to check how much annual interest you may need to pay. Here’s how you can use it:
Loan amount
Enter the preferred loan amount, which you may receive by pledging your 18-22 karat gold jewellery with the Lender.
Interest Rate (% p.a.)
Specify the annual interest rate as specified by the Lender.
Repayment option
Specify the repayment frequency.
Results
This Calculator can estimate the total annual interest payable and approximate weight of gold jewellery required to avail the said loan based on your above inputs along with the current market price of gold (per gram)
Why use a gold loan calculator?
Before applying for a gold loan, it helps to know how much you can actually borrow. A gold value calculator makes this simple:
Instant results: Review your loan amount in seconds, without visiting a branch.
Always accurate: It uses the prevailing gold rate in India, so the estimate is up to date.
Plan ahead: Check repayment options in advance and pick one that suits your budget.
No guesswork: It clearly shows how the weight and purity of your jewellery affect the loan amount.
Comparison
Easily compare various loan options to identify the most suitable one for your needs.
Eligibility for a Bajaj Finserv gold loan
Applying for a Bajaj Finserv Gold Loan is also simple. You only need to meet a few basic conditions:
You must be an Indian resident.
Your age should be between 21 and 70 years.
The gold pledged should be between 18 and 22 karats.
Conclusion
A gold value calculator is one of the easiest tools to help you plan a gold loan. The tool shows you in advance how much you can borrow, based on your jewellery’s weight, purity and today’s gold rate in India. This way, you save time, avoid guesswork, and make confident financial decisions while keeping your gold safe.
In case you need a high-value gold loan, you can choose a Bajaj Finserv Gold Loan with interest rates starting at 9.50% per year. With this loan, you also benefit from multiple repayment options, free insurance of pledged gold, easy part-release facility, and the option to foreclose or part-prepay the loan at no additional charges.
Whether it is a medical need or an educational expense, your gold can help. Check your gold loan eligibility and take the next step. Apply for a Bajaj Finserv Gold Loan now!
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