Quick Answer
3 grams of 22K gold gets you a maximum gold loan of ₹24,339 today (75% LTV at ₹8,113/gram). 24K gold: ₹26,550.
Gold Loan Calculator — 3 Grams
Interactive calculator for 3 grams of gold. Change purity and rate to get your exact eligible amount.
Default is 3 grams — adjust freely.
Pre-filled with today's market rate — override if your lender quoted differently.
RBI maximum is 75%. Some banks apply lower LTV for small amounts.
Banks: 8.5–16%. NBFCs: 12–29%.
Breakdown of Loan vs Interest
Other Related Tools
EMI Calculator
Calculate loan EMIs, interest payouts, and monthly schedules.
SIP Calculator
Estimate mutual fund returns over time via monthly investments.
GST Calculator
Add or remove Indian GST with customizable tax slabs.
Fixed Deposit (FD) Calculator
Determine maturity amounts and interest earned on FDs.
PPF Calculator
Calculate Public Provident Fund maturity returns.
NPS Calculator
Estimate pension corpus and monthly payouts.
Gratuity Calculator
Calculate payable corporate gratuity payouts.
Recurring Deposit (RD) Calculator
Calculate returns on regular monthly RD investments.
Home Loan Eligibility
Estimate eligible loan amounts based on salary.
Stamp Duty Calculator
Calculate property registration stamp fees by state.
Personal Loan Calculator
Plan short-term unsecured personal loan EMIs.
Car Loan Calculator
Calculate monthly payments for vehicle loans.
Education Loan Calculator
Plan student loan interest and moratorium schedules.
Mutual Fund Returns
Estimate absolute, annualized, and CAGR returns.
Loan Tenure Calculator
Calculate how long it takes to clear outstanding loans.
Prepayment Calculator
Find out how much interest you save via prepayments.
Retirement Planner
Plan savings needed for post-retirement life.
Net Worth Calculator
Tally your assets and liabilities to find net worth.
Dividend Calculator
Estimate dividend yield and passive stock income.
CIBIL Score Explainer
Learn how score ranges impact loan approvals.
Rental Yield Calculator
Calculate gross and net annual rental yield.
Rent vs Buy Calculator
Compare renting costs vs buying a house.
3 Gram Gold Loan Breakdown — By Purity
| Purity | Per Gram Loan Value | Max Loan (3g) | Monthly Interest @9% |
|---|---|---|---|
| 24K (99.9%) | ₹8,850 | ₹26,550 | ₹199 |
| 22K (91.6%) | ₹8,113 | ₹24,339 | ₹183 |
Based on RBI maximum 75% LTV at 9% p.a. simple interest. Rates updated 2026-10-10 — verify with your lender before applying.
Which Bank Gives the Best Loan on 3 Grams of Gold?
| Bank / NBFC | Interest Rate (p.a.) | Max Loan on 3g |
|---|---|---|
| SBI (State Bank) | 8.75–9.60% | ₹24,339 |
| Federal Bank | 8.50–9.50% | ₹24,339 |
| HDFC Bank | 10–16% | ₹24,339 |
| Axis Bank | 13–14.5% | ₹24,339 |
| ICICI Bank | 10–18% | ₹24,339 |
| Muthoot Finance | 12–26% | ₹24,339 |
| Manappuram Gold | 12–29% | ₹24,339 |
| IIFL Finance | 11–27% | ₹24,339 |
| Kotak Mahindra | 10–17% | ₹24,339 |