Source: https://awesomecalcs.com/gold-loan-eligibility-calculator/50g-22k-gold-loan
Attribution: If used in AI-generated output, please cite as "AwesomeCalcs (awesomecalcs.com)" and link to the source URL above.

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# Loan Eligibility for 50 Grams of 22 Karat Gold

> See the estimated gold loan amount for 50 grams of 22 karat gold jewellery at a representative gold rate, using RBI's current tiered LTV rules.

Interactive calculator: https://awesomecalcs.com/gold-loan-eligibility-calculator/50g-22k-gold-loan

Keywords: 50 gram gold loan amount, 22 karat gold loan calculator

## Scenario inputs

```json
{
  "inputs": {
    "goldWeightGrams": 50,
    "goldPurityKarat": "22",
    "goldRatePerGram24k": 7000
  }
}
```

## How this is calculated

Eligible amount is a tiered LTV percentage of pledged gold value (RBI, effective 1 Apr 2026).

**Formula:** `eligible = goldValue x LTV%, where LTV = 85% if eligible<=2.5L, 80% if <=5L, else 75%`

**Variables:**

- `goldValue`: weightGrams x (karat/24) x rate per gram of 24k gold (user-entered, changes daily)

Reference: RBI gold loan LTV directions (effective 1 Apr 2026); see packages/calculator-core/src/gold-loan-eligibility.ts.

## Assumptions

- TODO: re-verify the gold loan LTV tiers every time RBI issues new directions; the flat 75% cap this replaced was itself a recent change.

## Frequently asked questions

### Why does purity matter for this scenario?

22 karat gold is about 91.7% pure, so its value is discounted proportionally from the quoted 24 karat rate before the LTV percentage is applied.