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Gold, Education & Business Finance

How Gold Loan LTV (Loan-to-Value) Ratio Affects Your Disbursal Amount

Get A Loan Editorial Team 22/9/2026

The amount of money you receive against your gold ornaments depends strictly on the RBI's Loan-to-Value (LTV) framework.

1. The 75% LTV Cap Mandate

The Reserve Bank of India mandates that banks and NBFCs cannot lend more than 75% of the intrinsic market value of the net gold content. The remaining 25% serves as a safety buffer against bullion market price fluctuations.

2. Net Weight Calculation

During purity appraisal, the bank deducts the weight of all embedded gemstones, stones, pearls, and wax lac. Only the pure gold content (in 18, 22, or 24 carats) is valued.

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Frequently Asked Questions (FAQ)

Common questions about EMI and loan calculations

What is EMI and how is it calculated?

EMI stands for Equated Monthly Installment. It is a fixed payment amount made by a borrower to a lender at a specified date each calendar month using the standard reducing-balance EMI formula.

Does loan prepayment really save interest?

Yes! Prepaying your loan directly reduces your outstanding principal balance, which exponentially lowers the interest calculated for remaining months.

What is FOIR in Loan Eligibility?

FOIR stands for Fixed Obligation to Income Ratio. Most banks limit your total EMIs to 50%-60% of your net monthly income.

Are the calculation results guaranteed by banks?

Calculations on Get A Loan are accurate estimates based on standard mathematical formulas. Actual bank quotes may vary slightly due to processing fees, taxes, or credit score ratings.