Determine the maximum loan amount you can get against your gold jewellery based on current LTV rates.
• Loan ≤ ₹2.5L: Max 85% LTV
• Loan ≤ ₹5L: Max 80% LTV
• Loan > ₹5L: Max 75% LTV
Actual loan LTV depends on bank internal policy (often ~75%). New RBI 2026 rules allow up to 85% for loans under ₹2.5 Lakh.
LTV stands for Loan-to-Value. It is the percentage of your gold's total assessed value that a bank or lender will offer as a loan.
The standard LTV is generally around 75%, though it can vary based on the specific lender's policies and RBI guidelines.
Yes, higher purity gold will yield a higher loan amount because its base valuation is higher compared to lower purity gold.