Fellocraft Research · Dashboard 7 of 7

Gold Loan Content ROI Calculator

Model the three-year business impact of gold loan content and paid investment. Benchmarks pre-filled from our 11-brand category analysis, with RBI's tiered LTV framework applied to loan-size economics. Adjust inputs to fit your brand's cost structure and funnel priorities.

Your assumptions

Change any value to recalculate in real time
Small-ticket: ≤ ₹2.5 lakh · LTV up to 85% · no credit check required · highest volume in category · most competitive CPC
Trans-BOFU: "apply gold loan online", "gold loan calculator" · highest conversion intent · lowest CPC efficiency, highest conversion rate
₹1L ₹25L
5K 200K
₹ INR
₹ INR
0.2% 5.0%
3-Year Net Return
₹4.3Cr
vs ₹1.8 Cr invested
Return on Investment
140%
over 36 months
Payback period
14mo
month of first profit
Loans disbursed (36mo)
10,800
total qualified conversions
Disbursement book
₹162Cr
total gold loan value
Cost per loan
₹1,667
organic content attribution
Cumulative Investment vs Net Return
36-month projection · updates live
INR crore
Category benchmarks used in defaults
Derived from 11-brand Semrush analysis · April 2026
1.8%
Median organic visitor-to-loan rate for BOFU-transactional content across pure-play NBFCs
₹4,800
Typical net margin per small-ticket gold loan over 9-month bullet tenor
₹1.5L
Category average gold loan ticket size · skewed small-ticket (< ₹2.5L)
14mo
Typical payback when targeting Trans-BOFU with ₹5L/mo content investment

How the model works

Step 01 Traffic compounds Organic traffic grows linearly to your target lift over 12 months, then holds steady. Paid traffic compounds faster but costs per lead stay flat. We model organic ramp at a rate calibrated to each funnel stage.
Step 02 Visits convert to loans Your visitor-to-loan rate applies to each month's traffic. Funnel-stage selection adjusts the default rate: Trans-BOFU converts at 3-5×, TOFU at 0.4-0.8×. You can override the default.
Step 03 Loans generate margin Each loan produces your net margin input (after interest cost, opex, and expected defaults). Margin is recognised over the loan tenor. Cumulative net return = cumulative margin − cumulative content investment.
This is an illustrative model based on category averages from our 11-brand analysis and published RBI guidelines. Actual ROI depends on your brand authority, product-market fit, branch infrastructure, digital funnel quality, and content execution. The calculator assumes steady-state category dynamics and does not factor in competitor response, regulatory changes beyond the current LTV framework, or macro gold price shifts. Use as a decision-support tool, not a forecast.