IIFL Gold Loan Calculator – Check EMI, Interest & Loan Amount Online

Use this free IIFL Gold Loan Calculator to instantly estimate how much loan you can get against your gold, along with EMI, total interest payable and month-wise repayment report — based on IIFL Finance's gold loan rate and per gram valuation pattern.

Enter net weight of gold jewellery (22K/24K) you plan to pledge.
Check today's local gold rate. Default is an approximate market rate — edit as needed.
50%75%85%
IIFL typically offers up to 75-85% of gold value as loan (RBI cap: 85% for gold loans).
IIFL gold loan interest generally ranges ~9.5% – 24% p.a. depending on scheme & tenure.
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What is the IIFL Gold Loan Calculator?

The IIFL Gold Loan Calculator is a simple online tool that helps you estimate the loan amount you can get by pledging gold jewellery with IIFL Finance, one of India's popular NBFCs for gold loans. Just enter your gold weight, purity, current gold rate, and preferred tenure — the calculator instantly shows your eligible loan amount, EMI, and total interest based on standard gold loan calculation methods.

Gold loans are a fast and popular way for Indian households to get quick cash against idle gold ornaments, without selling them. IIFL Finance offers gold loans with minimal documentation, quick disbursal (often within 30 minutes), and flexible repayment options including EMI, bullet repayment and overdraft-style schemes.

How Does This Gold Loan Calculator Work?

The calculator uses a simple formula: your gold's total market value (weight × purity-adjusted rate) is multiplied by the Loan-to-Value (LTV) ratio to arrive at your eligible loan amount. RBI currently permits NBFCs to lend up to 85% of gold value. The EMI is then computed using the standard reducing-balance interest formula, similar to a personal loan EMI calculation.

  • Gold Value = Weight (grams) × Purity factor × Rate per gram
  • Eligible Loan = Gold Value × LTV%
  • EMI = calculated on reducing balance basis using your chosen interest rate and tenure

IIFL Gold Loan Interest Rate & Features (2026)

IIFL Finance gold loan interest rates generally start from around 9.5% per annum and can go up depending on the scheme, loan amount, and tenure chosen. Key features typically include:

  • Loan against 18K, 22K and 24K gold jewellery
  • Loan amounts from a few thousand rupees up to several lakhs
  • Tenure options ranging from a few months up to 3 years
  • Multiple repayment schemes — EMI, bullet, and partial payment options
  • Doorstep gold loan service available in select cities
  • Minimal documentation — usually just KYC (ID and address proof)

Documents Required for IIFL Gold Loan

  • PAN Card or Form 60
  • Aadhaar Card / Voter ID / Passport (as identity & address proof)
  • Passport-size photographs
  • Gold jewellery to be pledged (purity assessed at branch)

Tips to Get the Best Value on Your Gold Loan

  • Check the live gold rate on the day of pledging — rates change daily
  • Compare LTV% and interest rate offered by different lenders before finalizing
  • Prefer EMI repayment if you want to gradually clear both principal and interest
  • Ask about processing fees, valuation charges and foreclosure charges upfront
  • Keep track of the loan tenure — gold auction can happen on default, so plan repayment carefully
✅ Reviewed for accuracy — Aug 2026 📊 Formula-based, transparent calculation 🇮🇳 Built for Indian gold loan borrowers

Frequently Asked Questions (FAQ)

How much loan can I get against 10 grams of gold from IIFL?
It depends on gold purity and the day's gold rate. For example, at ₹7,200/gram (22K) and 75% LTV, 10 grams of gold could fetch approximately ₹54,000 as an eligible loan amount. Use the calculator above with the current gold rate for an accurate estimate.
What is the current IIFL gold loan interest rate?
IIFL Finance gold loan interest rates typically start around 9.5% per annum and vary based on loan amount, tenure and scheme. Please check the official IIFL Finance website or visit your nearest branch for the latest applicable rate.
Is this IIFL Gold Loan Calculator accurate?
This calculator provides an indicative estimate based on the values you enter. The actual loan amount and interest rate offered by IIFL Finance depend on purity verification at the branch, prevailing gold rates and internal lending policy at the time of application.
What is the maximum LTV (Loan-to-Value) allowed on gold loans in India?
As per RBI guidelines, NBFCs and banks can offer up to 85% of the gold's value as a loan. Most lenders, including IIFL, typically offer between 65% to 85% LTV depending on the scheme.
Can I repay my IIFL gold loan before the tenure ends?
Yes, most gold loans including those from IIFL allow foreclosure or prepayment, though nominal foreclosure charges may apply depending on the scheme. Check with your branch for exact terms.
What happens if I fail to repay my gold loan on time?
If the loan is not repaid or renewed within the tenure and after due notice, the lender may auction the pledged gold to recover the outstanding amount, as per RBI-mandated auction procedures.

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Disclaimer: loancalculate.in is an independent calculator platform and is not affiliated with, endorsed by, or associated with IIFL Finance Limited. All calculations are indicative estimates for informational purposes only and should not be treated as financial advice. Please refer to our Disclaimer and Terms & Conditions for details, and always verify final loan terms with IIFL Finance directly.
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