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Short-tenure gold loans move fast. Check the instalment and the total interest before you pledge.
Monthly EMI
₹13,982
for 2 yr · last instalment Sep 2028
Total Interest
₹35,576
₹0.12 interest per ₹1 borrowed
Fees + tax
₹3,540
Deducted upfront by the lender
Total Repayment
₹3,35,576
Principal + interest over the full term
Total Cost of Loan
₹3,39,116
Everything you pay, fees included
24 instalments · every rupee accounted for
| Period | Payment | Principal | Interest | Balance | Paid |
|---|---|---|---|---|---|
| 2026(3 mo) | ₹41,947 | ₹34,007 | ₹7,940 | ₹2,65,993 | 11% |
| Oct 2026 | ₹13,982 | ₹11,232 | ₹2,750 | ₹2,88,768 | 3.7% |
| Nov 2026 | ₹13,982 | ₹11,335 | ₹2,647 | ₹2,77,432 | 7.5% |
| Dec 2026 | ₹13,982 | ₹11,439 | ₹2,543 | ₹2,65,993 | 11.3% |
| 2027(12 mo) | ₹1,67,788 | ₹1,45,731 | ₹22,057 | ₹1,20,262 | 60% |
| 2028(9 mo) | ₹1,25,841 | ₹1,20,262 | ₹5,579 | ₹0 | 100% |
Monthly EMI
₹13,982
Total interest
₹35.6 K
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Gold Loan ratesPut both in the comparison tool. It ranks by total money out of pocket, so a low rate hiding a large processing fee has nowhere to hide.
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This calculator applies the standard reducing-balance formula that Indian lenders use, and includes processing fee and GST in the total cost. It does not model late-payment penalties, insurance bundled into the loan, foreclosure charges, or any moratorium period. Your lender's sanction letter is the authoritative statement of your EMI and charges — treat these figures as a well-informed estimate for planning, not a quotation.