LIC Loan Against Sovereign Gold Bonds & Securities Calculator
Unlock instant liquidity from your bond holdings without premature liquidation. Calculate eligible limits up to 75% LTV on Sovereign Gold Bonds (SGB) and Government Securities (G-Secs). Plan monthly charges under interest-only or standard reducing balance repayment models.
₹3,75,000
Approved up to 75% LTV (Regulatory limits apply).
• Gold Bonds remain held in demat with lien marked in favor of the lender.
• Interest rates are calculated on reducing balance for EMI model, and simple interest for interest-only model.
Lending Against Bonds: Regulatory Guidelines & LTV Caps
Borrowing against **Sovereign Gold Bonds (SGB)**, **Government Securities (G-Secs)**, or high-rated corporate bonds provides an efficient credit pathway. It allows investors to retain their investment holdings (earning periodic interest or gold price appreciation) while accessing immediate capital. Because bonds are highly liquid and low-risk, lenders offer competitive interest rates.
LTV Guidelines & Pledging Processes
Lending limits are governed by RBI safety guidelines and depend on the bond issuer and rating:
- Sovereign Gold Bonds (SGB): Maximum LTV is capped at **75%** of the average gold price of the preceding 30 days.
- G-Secs & RBI Bonds: Eligible for up to **75%** LTV due to sovereign backing.
- Corporate Bonds & Debentures: Capped at **70%** or lower, depending on the credit rating (typically AAA/AA required).
Flexible Repayment: Interest-Only vs. EMI
Loans against securities typically offer two distinct repayment structures:
Frequently Asked Questions (FAQs)
Do I still receive interest payouts from my pledged bonds?
How is the lien marked on gold bonds?
Compare LIC Loan & Repayment Calculators 2026
Check your policy loan limit, plan monthly EMIs, calculate compounding loan interest rates, or project late payment fee grace period thresholds.
Home Loan EMI Calculator
Assess monthly EMI installments, total interest, and view full amortization schedule for LIC Housing Finance.
Home Loan Eligibility Check
Check your maximum eligible home loan amount based on monthly income, liabilities, age, and term.
Policy Loan Limit Estimator
Estimate the maximum loan limit available as collateral against your active LIC policy's surrender value.
Policy Loan EMI Calculator
Calculate monthly interest repayments or principal payment breakdowns for loans secured by LIC policy values.
Loan Interest Calculator
Compute simple or compounding interest accrued over time on outstanding loans secured by LIC policies.
Late Fee & Penalty Calculator
Estimate late payment interest and GST penalties on overdue LIC policy premiums or loan installments.
Personal Loan Calculator
Model reducing balance EMI, FOIR eligibility restrictions, and CIBIL score tier mapping.
Mortgage Loan Calculator
Calculate Loan Against Property (LAP) limits based on commercial or residential real estate value.
Plot Loan Calculator
Analyze plot acquisition loans, maximum LTV parameters, and construction timeline milestones.
Home Loan Prepayment Calculator
Evaluate tenure and interest savings by adding lump-sum or extra monthly prepayments.
HFL EMI Calculator
Simulate LIC HFL EMI schedules tailored to specific schemes like Griha Suvidha and Griha Varishtha.
HFL Interest Sensitivity Calculator
Analyze how small rate hikes trigger the 5-year interest trap, ballooning your tenure.
Loan Against Policy Calculator
Calculate policy surrender value multiplier and maximum 90% LTV borrow limit rules.
Loan Interest Comparison Calculator
Compare monthly reducing balance vs flat rates and half-yearly compounded policy rates.
Loan Value (Collateral) Calculator
Evaluate multi-asset collateral limits across SGB, mutual funds, and properties.
Mortgage EMI & Insurance Calculator
Include capitalized mortgage insurance premiums inside your total mortgage loan EMI.
Property Joint Eligibility Calculator
Analyze joint applicant eligibility, combining net salaries under a unified FOIR margin.