Capri Gold Loan Calculator
Instantly check your eligible loan amount, EMI, and interest based on your gold weight and purity — using Capri Loans' official rates.
This Capri Gold Loan Calculator uses the same methodology that Capri Loans applies internally:
- Gold Value — Your gold weight × current 22K rate (₹9,858/g), adjusted for purity (e.g., 18K = 81.8% of 22K value).
- Eligible Loan — Gold Value × LTV% (up to 85% as per RBI guidelines).
- EMI — Calculated using the standard reducing-balance formula: P × r × (1+r)ⁿ / ((1+r)ⁿ − 1)
- Interest-Only — Monthly interest = Loan × (Rate/12). Principal paid at end.
- Bullet — Total amount = Principal + (Principal × Rate × Months/12).
What is Capri Gold Loan?
Capri Global Capital Limited — popularly known as Capri Loans — is a listed NBFC (Non-Banking Financial Company) that offers secured gold loans starting as low as ₹3,000, going up to ₹30 Lakhs. Unlike a personal loan, a gold loan does not require income proof or a high CIBIL score. You simply pledge your gold ornaments, coins, or jewellery at any of Capri's 1,400+ branches across 15 states and 2 Union Territories, and walk out with funds in your account — often within the same hour.
Capri Loans calculates your eligible loan using the 30-day average price of 22-carat gold, as mandated by RBI guidelines. For August 2026, the applicable rate is approximately ₹9,858 per gram. If your gold is 18K, 20K, or any other purity, its value is proportionally adjusted before applying the LTV percentage.
You can use our Gold Loan EMI Calculator alongside this page to compare EMI plans across multiple lenders. If you are looking specifically for a traditional Gehna Loan Calculator in Indian style format, that is also available on LoanCalculate.in.
Capri Gold Loan Interest Rates 2026
Capri Loans offers multiple gold loan schemes, each with a different interest rate band. Here is a clear comparison to help you pick the right plan:
| Scheme | Interest Rate (p.a.) | LTV Range | Repayment Mode | Best For |
|---|---|---|---|---|
| Standard Gold Loan | 11.50% – 14% | Up to 75% | EMI (Monthly) | Long-term borrowers |
| Flexi-Pay Scheme | 14% – 18% | Up to 80% | Interest-Only + Bullet | Business owners |
| Short-Term / OD | 18% – 24% | Up to 85% | Bullet / Overdraft | Emergency cash needs |
| High LTV Scheme | 22% – 29.75% | Up to 85% | EMI / Bullet | Maximum loan amount |
The minimum rate of 11.50% per annum is available on eligible Standard Scheme loans with lower LTV, while rates can go up to 29.75% for high-LTV or short-duration overdraft schemes. Always check the latest rates at your nearest Capri branch or on the official Capri Loans website before applying.
Want to compare EMI across personal loans, home loans, or MSME loans as well? Use our comprehensive Loan EMI Calculator India or the Bank Loan EMI Calculator India on LoanCalculate.in.
How is Gold Loan Amount Calculated at Capri Loans?
Here is a simple step-by-step breakdown of how Capri Loans determines how much loan you are eligible for:
- Gold Rate: Capri uses the 30-day average 22K rate. Currently: ₹9,858 per gram.
- Purity Adjustment: If your gold is 18K, multiply ₹9,858 × (18/22) = ₹8,066 per gram.
- Ornament Value: Adjusted rate × weight in grams = total market value of your gold.
- LTV Applied: Ornament Value × LTV% (maximum 85%) = Eligible Loan Amount.
- Cap Check: Loan amount is capped at ₹30 Lakhs regardless of gold weight.
For example, if you pledge 50 grams of 22K gold with an LTV of 75%, your eligible loan = ₹9,858 × 50 × 75% = ₹3,69,675.
Use our Gold Loan Calculator to run these numbers for any weight and purity combination in seconds.
Frequently Asked Questions
Tips to Get the Best Deal on Your Capri Gold Loan
Getting a gold loan is quick, but getting the best rate takes a little planning. Here are some practical tips from our experience tracking gold loan rates across NBFCs in India:
- Choose a lower LTV: If you do not need the maximum loan amount, opt for 65–75% LTV. This typically gets you a lower interest rate on schemes like Capri's Standard Plan.
- Compare before pledging: Use the Gold Loan Calculator to compare Capri Loans with other lenders like Muthoot, HDFC, and SBI Gold Loan.
- Match tenure to your need: For a short-term crunch (1–3 months), the Bullet scheme saves you interest. For longer needs, EMI keeps your monthly outgo predictable.
- Check purity before pledging: The higher the karat, the more loan you get. Getting your jewellery hallmarked (BIS 22K) can maximise your eligible amount at Capri.
- Prepay when possible: Gold loans typically allow part-prepayment. Reducing principal early saves significant interest, especially on higher-rate schemes.
Also check our guide on Flat vs Reducing Interest Rate to understand exactly how you are being charged. For business owners using a gold loan to fund working capital, the MSME Loan EMI Calculator can also be a useful comparison tool.