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Asset-specific medical finance

Gold-backed Medical Finance

Estimate route capacity using intrinsic gold value and the current RBI consumption-loan LTV tiers.

Run eligibility engineAll calculators

What this engine does

Amount needed → collateral capacity → repayment check → document readiness → compliance flags → preliminary route result.

No website result is a sanction or KFS.

Route intent

When gold-backed finance may fit

For patients or families with eligible gold who want to evaluate a collateral-backed route without pledging property.

What this engine returns

RBI-tiered gold LTV capacity • planning EMI • repayment fit • document readiness

Final collateral acceptance, pricing and sanction remain with the regulated lender.

GOLD weight + purity + eligible value
Eligibility + calculator

Gold-backed Medical Finance engine

Enter the real amount needed and asset details. We separate collateral capacity from repayment capacity and show what still requires lender verification.

Documents / verification

RBI / lender controls built into the journey

  • Current RBI consumption-loan LTV ceilings used in the calculator: up to ₹2.5 lakh 85%; above ₹2.5 lakh to ₹5 lakh 80%; above ₹5 lakh 75%.
  • Only intrinsic eligible gold value is used; stones/gems are excluded. Lender assay, purity and net weight control final valuation.
  • KYC, ownership verification, collateral handling/storage, ongoing LTV monitoring, auction and release processes remain lender responsibilities.
  • Digital disbursal/repayment should be directly between borrower and regulated lender subject to applicable RBI exceptions.
  • KFS/APR and all lender/third-party charges must be disclosed by the regulated lender before contract.
NEXT STEP

Explore gold-backed medical finance

Check the gap first, then explore whether a gold-backed route may fit.

Treatment first · Check the amount you need and the collateral available