Bank of Baroda Gold Loan Calculator
Calculate EMI, interest rates, eligibility, and loan amounts for Bank of Baroda gold loans, jewel loans, and agri gold loans
Loan Type
Standard Bank of Baroda Gold Loan with competitive rates and flexible tenure options up to 10 years.
Gold Loan Details
Enter the weight of gold in grams
Current market rate per gram
Typically 75-90% of gold value
Enter as percentage (e.g., 9.5 for 9.5%)
Maximum 10 years for gold loans
Loan Summary
Gold Value
₹6,50,000
Loan Amount
₹4,87,500
75.0% of gold value
Monthly EMI
₹15,616
Total Interest
₹74,678
Total Payment
₹5,62,178
Gold Rate Per Gram
₹6,500
Payment Schedule
| Month | Payment Date | Principal | Interest | Prepayment | Total Payment | Remaining Balance |
|---|---|---|---|---|---|---|
| 1 | November 1, 2025 | ₹11,756.69 | ₹3,859.38 | - | ₹15,616.06 | ₹4,75,743.31 |
| 2 | December 1, 2025 | ₹11,849.76 | ₹3,766.30 | - | ₹15,616.06 | ₹4,63,893.55 |
| 3 | January 1, 2026 | ₹11,943.57 | ₹3,672.49 | - | ₹15,616.06 | ₹4,51,949.98 |
| 4 | February 1, 2026 | ₹12,038.13 | ₹3,577.94 | - | ₹15,616.06 | ₹4,39,911.85 |
| 5 | March 1, 2026 | ₹12,133.43 | ₹3,482.64 | - | ₹15,616.06 | ₹4,27,778.42 |
| 6 | April 1, 2026 | ₹12,229.48 | ₹3,386.58 | - | ₹15,616.06 | ₹4,15,548.94 |
| 7 | May 1, 2026 | ₹12,326.30 | ₹3,289.76 | - | ₹15,616.06 | ₹4,03,222.64 |
| 8 | June 1, 2026 | ₹12,423.88 | ₹3,192.18 | - | ₹15,616.06 | ₹3,90,798.76 |
| 9 | July 1, 2026 | ₹12,522.24 | ₹3,093.82 | - | ₹15,616.06 | ₹3,78,276.52 |
| 10 | August 1, 2026 | ₹12,621.37 | ₹2,994.69 | - | ₹15,616.06 | ₹3,65,655.14 |
| 11 | September 1, 2026 | ₹12,721.29 | ₹2,894.77 | - | ₹15,616.06 | ₹3,52,933.85 |
| 12 | October 1, 2026 | ₹12,822.00 | ₹2,794.06 | - | ₹15,616.06 | ₹3,40,111.85 |
| 13 | November 1, 2026 | ₹12,923.51 | ₹2,692.55 | - | ₹15,616.06 | ₹3,27,188.34 |
| 14 | December 1, 2026 | ₹13,025.82 | ₹2,590.24 | - | ₹15,616.06 | ₹3,14,162.51 |
| 15 | January 1, 2027 | ₹13,128.94 | ₹2,487.12 | - | ₹15,616.06 | ₹3,01,033.57 |
| 16 | February 1, 2027 | ₹13,232.88 | ₹2,383.18 | - | ₹15,616.06 | ₹2,87,800.69 |
| 17 | March 1, 2027 | ₹13,337.64 | ₹2,278.42 | - | ₹15,616.06 | ₹2,74,463.05 |
| 18 | April 1, 2027 | ₹13,443.23 | ₹2,172.83 | - | ₹15,616.06 | ₹2,61,019.82 |
| 19 | May 1, 2027 | ₹13,549.66 | ₹2,066.41 | - | ₹15,616.06 | ₹2,47,470.16 |
| 20 | June 1, 2027 | ₹13,656.92 | ₹1,959.14 | - | ₹15,616.06 | ₹2,33,813.24 |
| 21 | July 1, 2027 | ₹13,765.04 | ₹1,851.02 | - | ₹15,616.06 | ₹2,20,048.20 |
| 22 | August 1, 2027 | ₹13,874.01 | ₹1,742.05 | - | ₹15,616.06 | ₹2,06,174.18 |
| 23 | September 1, 2027 | ₹13,983.85 | ₹1,632.21 | - | ₹15,616.06 | ₹1,92,190.33 |
| 24 | October 1, 2027 | ₹14,094.56 | ₹1,521.51 | - | ₹15,616.06 | ₹1,78,095.78 |
| 25 | November 1, 2027 | ₹14,206.14 | ₹1,409.92 | - | ₹15,616.06 | ₹1,63,889.64 |
| 26 | December 1, 2027 | ₹14,318.60 | ₹1,297.46 | - | ₹15,616.06 | ₹1,49,571.03 |
| 27 | January 1, 2028 | ₹14,431.96 | ₹1,184.10 | - | ₹15,616.06 | ₹1,35,139.07 |
| 28 | February 1, 2028 | ₹14,546.21 | ₹1,069.85 | - | ₹15,616.06 | ₹1,20,592.86 |
| 29 | March 1, 2028 | ₹14,661.37 | ₹954.69 | - | ₹15,616.06 | ₹1,05,931.49 |
| 30 | April 1, 2028 | ₹14,777.44 | ₹838.62 | - | ₹15,616.06 | ₹91,154.05 |
| 31 | May 1, 2028 | ₹14,894.43 | ₹721.64 | - | ₹15,616.06 | ₹76,259.63 |
| 32 | June 1, 2028 | ₹15,012.34 | ₹603.72 | - | ₹15,616.06 | ₹61,247.29 |
| 33 | July 1, 2028 | ₹15,131.19 | ₹484.87 | - | ₹15,616.06 | ₹46,116.10 |
| 34 | August 1, 2028 | ₹15,250.98 | ₹365.09 | - | ₹15,616.06 | ₹30,865.12 |
| 35 | September 1, 2028 | ₹15,371.71 | ₹244.35 | - | ₹15,616.06 | ₹15,493.41 |
| 36 | October 1, 2028 | ₹15,493.41 | ₹122.66 | - | ₹15,616.06 | ₹0.00 |