Gold loan guide 2026: How do lenders calculate gold loan? Eligibility, amount and settlement rules explained

When you need funds for sudden exigencies, a gold loan can provide quick access to money. You can also avail of relatively lower interest rates by pledging gold with a bank. Despite the recent downtrend in prices, gold remains a preferred asset due to its high liquidity.While loan-to-value (LTV) is the most important metric in a gold loan, as it directly determines how much you can borrow, there are several other rules you must know before pledging the yellow metal. For instance, loans are not available aga ...