Gold Pawning Calculator
Estimate the advance a bank pays against your gold — monthly interest, total to redeem, and published bank rates.
Enter the weight and today’s rate — the estimate applies the 70% cap set for licensed lenders and shows what you must repay to get your gold back.
1 pawn (sovereign) = 8 grams (the unit Sri Lankan jewellers use).
Rate per 22K pawn (Rs.)
Rs. 316,971 per pawn — CalcLK indicative estimate, 2026-10-29
Method reference: CBSL daily gold rates
Use my own rate
Optional — clear the box to use the live indicative rate again.
Licensed lenders advance up to 70% of the value — the legal cap.
Presets come from published bank pawning rates — confirm on the bank’s own rate sheet before you borrow.
calcPages.goldCalculator.advanceVerdict
Rs. 221,880
calcPages.goldCalculator.monthlyInterest
Rs. 2,773
Total interest (6 months)
Rs. 16,641
calcPages.goldCalculator.redeemTotal
Rs. 238,521
Miss the redemption deadline and the lender can auction the gold. Ask exactly when the grace period ends and how an auction is run before you pawn.
This is an estimate, not a loan offer — the lender’s own valuation and rate decide the actual advance.
Published bank pawning rates
The annual interest each bank publishes for gold loans and pawning. Products differ by tenure and eligibility, so each row shows the product and when its rate was checked.
Rates change often and vary by product, tenure and eligibility — confirm with the bank before deciding. Clicking a bank fills that rate into the calculator above.
calcPages.goldCalculator.unverifiedBanksLabel DFCC Bank, National Savings Bank, Hatton National Bank, Sampath Bank.
Get Gold Rate Updates
Gold prices move daily — get notified of major market changes
Borrowing against gold
Pawning is interest-only: the full advance falls due at the end. To check whether your budget can carry it, see how much you can borrow or weigh the loan against keeping your fixed deposit.
What next?
Sources & methodology
Part of the Gold collection
How we calculate
CBSL daily gold rates (method reference)
Get markets & investments change alerts
- 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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