Gold Loan vs FD Cashflow
Can a fixed deposit cover a gold loan? Monthly payout vs loan cost, the gap, and whether the deposit matures before the principal falls due.
Terms, payout, tax & fees
Monthly gap
Rs. 8,750
FD pays Rs. 35,000/mo against Rs. 43,750/mo loan cost — shortfall each month.
Bars show monthly cashflow only — principal is a separate one-time amount, listed below.
| Loan principal due (month 12) | Rs. 3,500,000 |
| FD principal returned (month 12) | Rs. 3,500,000 |
| Principal difference | Rs. 0 |
| Net FD interest over the term | Rs. 420,000 |
Questions
Can FD interest pay a gold loan?
Only if the monthly interest covers the loan cost — and the principal timing must also match. An FD maturing after the loan due date leaves the collateral exposed until the deposit pays out.
Is the FD principal monthly income?
No. Returned principal is a one-time amount at maturity — the bars show interest payouts only. The summary lists principal due and principal returned separately so it is never double-counted.
Which loan types does this compare?
Interest-only pawning (monthly interest, full principal at the end) and amortizing EMI (principal repaid across every payment). They are different products — the figures do not mix the two models.
Why no rate prefill?
FD and lender rates change and differ by product — enter the exact rates you were quoted. Nothing here assumes a guaranteed return on unit trusts or other variable products.
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Sources & methodology
Part of the Gold collection
How we calculate
CBSL daily gold rates (method reference)
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- Central Bank of Sri Lanka — Daily Gold Rates (methodology reference)
- CBSL Directions No. 02 of 2026 — gold collateral LTV cap (method reference)
Methodology verified 2026-10-28 against CBSL daily gold rates (method reference) · Attribution: CalcLK
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