Tools & Calculators
Calculate gold, silver, and diamond loan eligibility instantly with accurate estimates, interest calculations, and easy repayment planning anytime, anywhere.
Free Gold, Silver & Diamond Loan Calculators
Planning to take a loan against your gold, silver, or diamonds? Use Sai Gold OGL’s free online loan calculators to instantly estimate your loan eligibility, calculate interest payable, and plan your repayments, all in one place without visiting a branch.
Our tools and calculators are built to give you a transparent and realistic picture of your borrowing potential based on current market rates, RBI-prescribed Loan-to-Value (LTV) norms, and our competitive interest rate structure. Whether you are considering a Gold Loan, Silver Loan, Diamond Loan, or looking to transfer an existing gold loan through our Gold Loan Takeover facility, our tools help you make an informed decision before you apply.
Live Market Rates
Results based on current IBJA gold and silver rates
RBI LTV Compliant
Calculations follow RBI Loan-to-Value guidelines
Instant Results
Get your estimate in seconds — no signup needed
Zero Hidden Charges
Transparent breakdown of interest and charges
Gold Loan Calculator
Estimate your eligible loan amount against gold
Eligible Loan Amount
₹1,12,000
Silver Loan Calculator
Estimate your eligible loan amount against silver
Eligible Loan Amount
₹30,375
Diamond Loan Calculator
Estimate your loan amount against certified diamonds
Eligible Loan Amount
₹3,00,000
* Diamond valuation is subject to physical appraisal by our certified evaluators at the branch.
Gold Loan Takeover Calculator
Check if switching to Sai Gold OGL saves you money
Potential Monthly Saving
₹1,000
* Savings estimate based on Sai Gold OGL's standard rate of 18% p.a. Actual rate subject to eligibility assessment.
Need Help Choosing the Right Loan?
Why use Sai Gold OGL's loan calculators?
Taking a secured loan against gold, silver, or diamonds is a major financial decision. Our free online tools and calculators are designed to give you complete clarity before you walk into a branch, helping you understand exactly how much you can borrow, how much it will cost, and how much you can save by switching your existing loan to Sai Gold OGL.
Gold Loan Calculator
Our Gold Loan Calculator helps you estimate your eligible loan amount based on the weight and purity of your gold ornaments, subject to the Loan-to-Value (LTV) ratio prescribed by the Reserve Bank of India. Enter the weight of your gold (in grams), select the carat purity, and choose your preferred loan tenure to instantly see your estimated loan amount, market value, and interest payable.
Silver Loan Calculator
The Silver Loan Calculator works similarly to the gold loan tool, allowing you to enter the weight and purity of your silver articles to get an instant loan estimate. Whether you hold 99.9% pure silver or sterling silver, our calculator gives you a realistic loan figure based on prevailing silver market rates.
Diamond Loan Calculator
Gold Loan Takeover Calculator
If you currently have a gold loan with another bank or NBFC at a higher interest rate, our Gold Loan Takeover Calculator shows you exactly how much you could save by transferring your loan to Sai Gold OGL. Simply enter your current outstanding balance, existing interest rate, and remaining tenure, then see your potential savings instantly.
How are loan amounts calculated?
All loan amounts are calculated based on the following key factors:
- The net weight of the pledged asset after deducting the weight of stones or non-metal components
- The purity or quality of the pledged asset
- The prevailing market rate as published by the Indian Bullion and Jewellers Association (IBJA) for gold and silver
- The Loan-to-Value (LTV) ratio as prescribed by the Reserve Bank of India from time to time (currently up to 75% for gold loans)
Disclaimer: All calculations performed by our tools and calculators on this page are indicative estimates only and are provided for general informational and planning purposes. Actual loan amounts, interest rates, and charges are subject to physical verification of the pledged asset, prevailing market rates at the time of application, Sai Gold OGL’s credit assessment, and RBI guidelines in force. The figures generated by these calculators do not constitute a loan offer or commitment by Sai Gold OGL. Please visit your nearest branch for an accurate assessment.