Gold Loan Calculator
Calculate your gold loan eligibility, EMI, and compare offers from major banks in Nepal
Gold Details & Valuation
Estimated Gold Value
रु. 0
Loan Configuration
रु.
%
months
0%
50% (Safe)65% (Balanced)80% (Max)
💡 Higher LTV means more loan amount but potentially higher interest rates
Maximum Eligible Loan Amount
रु. 0
💳 At 75% LTV ratio
About Gold Loans in Nepal
Gold loans are secured loans where you pledge your gold jewelry or ornaments as collateral. They offer quick disbursement with minimal documentation.
- Same-day loan approval and disbursement
- Minimal documentation required
- Lower interest rates compared to personal loans
- Flexible repayment options including bullet payment
How Gold Loans Work
- Gold Valuation
Bank tests gold purity and weighs it to determine value
- Loan Approval
Loan amount approved based on gold value and LTV ratio
- Documentation
Submit KYC documents and sign loan agreement
- Disbursement
Loan amount credited to your account immediately
Nepal Rastra Bank Guidelines
Maximum LTV
80%
Maximum Tenure
36 months
Minimum Purity
18K
Valuation Method
Previous Day Rate
Tips and Best Practices
Before Taking Loan
- • Compare interest rates across banks
- • Check all charges including valuation fees
- • Read terms carefully for prepayment charges
- • Plan repayment to avoid auction risk
After Taking Loan
- • Pay EMI/interest on time to avoid penalties
- • Monitor gold prices for top-up opportunities
- • Keep all loan documents safely
- • Consider loan insurance for high-value loans
Risk Factors to Consider
Price Volatility
Gold prices fluctuate and may affect loan terms
Auction Risk
Gold may be auctioned if loan defaults for 90+ days
Hidden Charges
Some banks may have undisclosed charges