Gold Loan Calculator Nepal
Estimate how much you could borrow against your gold and calculate your monthly EMI, total interest and repayment amount.
Your Gold
1 tola ≈ 11.6638 grams
Live FENEGOSIDA rate · 2026-10-12 — editable.
Gold purity — purity affects estimated gold value
Loan Terms
LTV determines how much of the estimated gold value can be borrowed. Lenders set their own limits.
Estimated Maximum Loan
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Enter weight, price and loan terms, then click Calculate Gold Loan.
Estimated Maximum Loan
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Based on —
How Gold Loan Calculation Works
- Enter your gold weight.
- Select the gold purity.
- Enter the current gold price.
- Choose the applicable LTV.
- Enter the interest rate and loan tenure.
- SolutionsNepal estimates your maximum loan and repayment amount.
Gold Loan EMI Calculator Nepal
A gold loan EMI calculator for Nepal helping you plan repayment against your gold — the same amortisation formula banks use, applied to your eligible amount, interest rate and tenure.
Gold Loan Interest Calculator Nepal
Compare total interest across tenures before pledging gold: longer terms shrink the EMI but raise the lifetime interest cost on your gold loan amount.
Frequently Asked Questions
How much loan can I get against gold in Nepal?
It depends on weight, purity, the current gold price and the lender’s LTV limit. This calculator multiplies those to estimate your maximum eligible loan — enter your gold details above.
How is gold loan EMI calculated?
With the standard amortisation formula: EMI = P × r × (1+r)^n ÷ ((1+r)^n − 1), where r is the monthly interest rate and n is the number of months. Longer tenures lower the EMI but raise total interest.
Does gold purity affect the loan amount?
Yes. Lenders value 24K at full price, 22K at roughly 22/24 and 18K at 18/24 of the per-tola rate — so the same weight in 18K borrows noticeably less than in 24K.
What LTV do Nepali banks offer on gold loans?
LTV limits differ by lender and can change with policy — there is no single universal figure. This calculator defaults to an editable 75% planning assumption; always confirm the current limit with your bank.
What happens if I cannot repay a gold loan?
The lender can auction the pledged gold to recover dues, as per the loan agreement. Borrow only what your monthly budget can service and read the terms carefully.
Is the calculator price the actual market price?
The prefilled rate comes from the published Nepal gold price feed when available (otherwise enter it manually) — but lenders apply their own valuation on the pledge day, so confirm before borrowing.