- Gold Loan
- Interest Rate and Charges
- Eligibility Calculator
- Doorstep Gold Loans
- Apply Online
Gold Loan: Get Loan Against Gold Jewellery
Bid goodbye to your financial worries, with an ICICI Bank Gold Loan. Get a quick and easy Gold Loan up to Rs 1 crore, against your gold jewellery.
With our loan against Gold (Jewel Loan), you can easily avail cash to finance your requirements. Just walk into our branch with your gold jewellery and get an instant cash disbursal. You can also apply for a Gold loan online, at ICICI Bank.
Our simple documentation process requires only your Know Your Customer (KYC) details; so that your income proofs don’t affect the sanction process. Our attractive interest rates and flexible repayment options ensure convenience and flexibility. You can also repay the loan at the end of the tenure, without worrying about EMIs. Additionally, your gold jewellery stays completely safe with us, while you go ahead and fulfil your needs.
You can avail a Gold Loan whenever you require funds for the education of your children, business expansion, working capital requirement, down payment for the purchase of property or automobile, medical emergency, holiday with family, agricultural needs, etc.
So don’t let your gold remain idle, put it to good use, get an ICICI Bank Gold Loan.
Features & Benefits
ICICI Bank Gold Loans offer various benefits that make it the ultimate solution for all your financial needs:
- Quick disbursal
- Attractive interest rates
- Simple documentation
- No EMIs. Repayment at the end of the loan tenure
- Complete safety of your jewellery
Just walk into the nearest ICICI Bank Branch offering Gold Loan against your jewellery and avail a Gold Loan, in a matter of minutes.
Interest Rate and Charges
ICICI Bank Gold Loan offers attractive interest rates and flexible repayment options to choose from. Know more about the Gold Loan interest rates and processing fees.
You can avail an ICICI Bank Gold Loan, with only your KYC documents. No income proof is required. The documentation process is simple and executed as per your convenience. Know more about the documents required for a Gold Loan.
Frequently Asked Questions (FAQs) for Gold Loan
What is a Gold Loan?
A loan against your gold jewellery is known as Gold Loan or a Jewel Loan. At ICICI Bank, a customer can quickly avail a Gold Loan for any value between Rs 10,000 to Rs 1 crore.
Salient features of Gold Loan like ease of documentation and instant disbursal, make it an easy and convenient way of securing funds.
How does one get a Gold Loan?
To get a Gold Loan, you can walk into any ICICI Bank Branch offering a Gold Loan with your jewellery and avail a Gold Loan for any value between Rs 10,000 to Rs 1 crore. With our simple documentation process (only KYC required), you can avail the loan, across the counter, quickly. Alternatively, you can give a missed call on 84448 84448 or <apply online for a Gold Loan>. Our representative will call you and guide you with all the necessary details. You can also check your Gold Loan eligibility with our Gold Loan Calculator.
What is the interest rate of a Gold Loan?
ICICI Bank Gold Loans come to you at attractive interest rates, with a minimum interest rate of 11% per annum, based on the prevalent market situation. The Gold Loan interest rates will, however, vary according to the product variants.
How long does it take to complete a Gold Loan approval process?
ICICI Bank Gold Loan provides a quick loan disbursal in just 60 minutes. This is however, subject to the verification of the gold and other documents that you submit. Approvals are at the sole discretion of ICICI Bank.
What are the documents required for the approval of a Gold Loan?
A Gold Loan requires a very simple documentation process and doesn’t require you to share income proofs. The documents required for a Gold Loan are:
- Two passport size photographs
- ID proof such as, Driving Licence, Form 60/61, Passport Copy, Voter ID Card, Aadhaar Card or Ration Card. Any one of the documents needs to be submitted. PAN Card issued in India is no longer considered as a valid identity proof
- Address proof such as Driving Licence/Voter ID Card/Ration Card/Aadhaar Card/Passport Copy/Registered lease agreement, with not older than 3 months utility bills in the name of your landlord (any one)
- Proof of land holding needs to be provided, in case of an Agriculture Loan of more than Rs 1 lakh.
What is the maximum limit on the Gold Loan that can be availed?
A Gold Loan can be availed for a minimum of Rs 10,000 and maximum of Rs 1 crore, per customer.
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