Gold Loan Calculator
Sone ke gehne girvi rakh kar loan lena jaldi aur sasta hota hai. Ye calculator batata hai ki aapke sone par kitna loan mil sakta hai (LTV ke hisaab se) aur EMI kitni banegi. Sone ka weight, purity aur aaj ka bhaav daaliye.
Gold loan me kitna milta hai
Bank aapke sone ki poori keemat nahi deta — ek hissa deta hai, jise LTV (Loan to Value) kehte hain. Ye anupaat RBI tay karta hai aur samay-samay par badalta hai. Baaki hissa isliye chhoda jaata hai taaki sone ka daam gire to bhi bank surakshit rahe.
Shudh value = weight × (carat÷24) × 24k bhaav
Ek misaal
20 gram 22-carat sona, 24k bhaav ₹7,000/gram, LTV 75%. Shudh value = 20 × (22÷24) × 7000 = ~₹1,28,000. Loan = 1,28,000 × 75% = ~₹96,000. Yaani 20 gram sone par lagbhag ₹96,000 tak loan mil sakta hai.
Gold loan ke fayde aur risk
- Sasta byaj — personal loan se kam (aksar 9-12%), kyunki sona surakshaa me hai.
- Jaldi milta hai — usi din, kuch ghanton me.
- Credit score zyada mayne nahi rakhta — sona girvi hai.
- Risk: EMI na chukane par sona neelaam ho sakta hai — isliye samay par chukana zaroori hai.
Repayment ke tareeke
Gold loan me aksar do vikalp hote hain: normal EMI (har mahine mool+byaj), ya bullet repayment (poora paisa ant me ek saath, beech me sirf byaj). Bullet tab theek hai jab aapko pata ho ki paisa kab aayega (jaise fasal bikne par). Gold aur personal loan me kaunsa sasta, wo yahan dekhein.
Bank, NBFC ya sunar — teeno ka farak
Ek hi gehne par teen jagah teen alag jawab milte hain. Farak sirf byaj ka nahi hota:
- Bank — byaj sabse kam, aam taur par sabse sasta rasta. Kaagzi kaarwai zyada, paisa milne me ek-do din lag sakte hain. Khaata pehle se ho to kaam aasaan.
- NBFC (gold loan company) — paisa usi din, kabhi ek ghante me. Byaj bank se zyada. Chhoti rakam aur turant zaroorat ke liye theek.
- Sthaaniya sunar ya sahukar — koi kaagaz nahi, koi niyam nahi. Byaj sabse zyada, aur agar aap chook gaye to gehna kab bik gaya pata bhi nahi chalta. Isse bachiye — yahi wo jagah hai jahan log gehna hamesha ke liye kho dete hain.
Ek cheez jo teeno jagah alag hoti hai wo hai processing fee aur valuation charge. Byaj dar dekhkar khush ho jaana galti hai — 1% processing fee dedh saal ke chhote loan par lagbhag 0.7% byaj ke barabar padti hai. Poochne layak sawaal ek hi hai: "sab milakar wapsi me kitna dena hoga?"
Sone ka bhaav girne par kya hota hai
Ye wo baat hai jo loan lete waqt koi nahi bataata. Bank aapke gehne ki value par ek tay hissa (LTV) hi loan deta hai. Agar loan ke beech me sone ka bhaav kaafi gir gaya, to aapke loan aur gehne ki value ka anupaat bigad jaata hai — aur bank aapse ya to kuch rakam bharne ko keh sakta hai, ya aur gehna jama karne ko. Isse margin call kehte hain.
Doosri taraf, agar loan chukane me chook ho jaye to bank notice ke baad gehna neelam kar sakta hai. Ye niyam ke andar hi hota hai. Isliye gold loan hamesha usi kaam ke liye lena chahiye jiska wapsi ka rasta pehle se dikh raha ho — fasal katne par, salary aane par, kisi payment ke aane par.
Bahut se log gold loan lekar aur poora byaj bharkar bhi khush rehte hain, kyunki gehna ghar wapas aa jaata hai. Gehna bech dene par wo hamesha ke liye jaata hai, aur usse kahin zyada mehnga padta hai jab dobara banwana pade — making charge ka nuksan alag se. Is nazariye se dekha jaye to gold loan aksar gehna bechne se behtar sauda hai, agar wapsi ki niyat aur rasta dono saaf ho.
10 gram sone par kitna loan — LTV ka poora hisaab
RBI ki seema tay karti hai ki sone ki keemat ka kitna hissa loan me mil sakta hai. Rs 60,000 ke 10 gram par:
| LTV | Loan milega | Bhaav kitna gire to margin call |
|---|---|---|
| 60% | Rs 36,000 | ~33% girne par |
| 65% | Rs 39,000 | ~27% girne par |
| 70% | Rs 42,000 | ~22% girne par |
| 75% (seema ke paas) | Rs 45,000 | ~17% girne par |
Aksar pooche jaane wale sawaal
Sone par kitna loan milta hai?
Sone ki shudh value ka ek hissa (LTV), jo aam taur par 75% ke aas-paas hota hai. RBI ise tay karta hai aur ye badalta rehta hai.
Gold loan ka byaj kitna hota hai?
Aam taur par 9-12%, personal loan se kam, kyunki sona girvi hota hai. Bank aur scheme se alag hota hai.
EMI na di to sona chala jayega?
Baar-baar EMI chhootne aur notice ke baad bank sona neelaam kar sakta hai. Isliye samay par chukana zaroori hai.
Kitne carat sona chalega?
Aam taur par 18-22 carat gehne. Purity jitni zyada, value aur loan utna zyada. Bank khud purity jaanchta hai.
Sone ka bhaav gir gaya to kya bank aur paisa maangega?
Ho sakta hai. Bank loan aur gehne ki value ka anupaat dekhta hai. Bhaav kaafi girne par kuch rakam bharne ya aur gehna jama karne ko kaha ja sakta hai — isi liye poori limit tak loan na lena behtar hai.
Gold loan lena behtar hai ya gehna bech dena?
Zaroorat kuch mahine ki ho to gold loan aam taur par behtar hai, kyunki gehna wapas aa jaata hai. Bechne par wo hamesha ke liye jaata hai aur dobara banwane par making charge dobara lagta hai.
Is page ke number aur niyam in sarkari/official jagah se liye gaye hain. Dar aur rules badalte rehte hain, isliye kisi bhi bade faisle se pehle seedha yahan ek baar dekh lein: