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About ICICI Bank Gold Loan :

ICICI Bank is a leading private sector bank in India. It offers a wide range of banking and financial services to corporate and retail customers. ICICI Bank gold loans also known as unsecured loans and helps to meet financial needs during emergencies. In the 1990s, ICICI transferred its business from development financial institutions offering only project finance to a diversified financial services group offering a wide variety of products and services.

ICICI Gold Loan is one of the natural and quick loans with a reasonable interest rate. It’s a hassle-free loan facility with no Equated Monthly Installment stresses and quick approval. Gold Loans give money for expenses such as agricultural requirements, education, holiday, or other little essentials. With a specific end goal to grab ICICI Gold Loan, you need to apply here. Gold loan is one of the most provided economic outcomes of the ICICI bank.

There are so many banks and non-banking financial companies that offer gold loans nowadays, but ICICI bank is the best bank for providing gold loans at an attractive interest rate with complete safety of your jewellery. The bank has a vast area of the network, and it has been serving customers with excellent and reliable financial services.

Benefits of ICICI Bank Gold Loan :

  • Loan sanction and disbursal process is fast and simple

  • Penal interest is not applicable for agriculture loans up to Rs.25,000 per customer

  • Repayment of loan is required at the end of the loan tenure and not through EMIs

  • Loan disbursal within 45 minutes

  • Attractive rate of interest

Interest rate & Fee and charges of ICICI Bank Gold Loan :



Loan Amount

Rs.10,000-Rs.15 lakh

Loan Tenure

3 months-12 months

Interest Rate


Processing Fees

1% of loan amount

Foreclosure charges

Upto 1% of the loan amount

Penal interest


Documentation charges


Renewal fee 

Upto Rs.50000 : RS.300

Greater than Rs.50000 upto Rs.1 lakh : Rs.350

Greater than Rs.1 lakh to Rs.2 lakh : Rs.500

Greater than Rs.2 lakh : Rs.1000

Stamp duty & other statutory charges

As per applicable law of the state

Documents required for ICICI Bank gold loan : 

1. Signed application form 

2. 2 passport size photographs

3. ID proof : Aadhar card, PAN card, Voter id, passport

4. Address proof : Aadhar card, Voter id, Passport, Utility bills

5. Post disbursement documents (If any)

6. Agricultural Land Proof and Income Statement.

Eligibility criteria for ICICI Bank gold loan :

The following eligibility criteria are necessary to be met by the applicant who wants to apply for a Gold Loan:

  • The minimum age of the customer should be 18 years and maximum age is 70 years 

  • The applicant should be a proprietor or should be a Resident Individual residing in India permanently

  • The applicant can only offer gold ornament or any articles above 18 karats to 22 karats as security to the bank.

  • Maximum loan to gold value ratio upto 75% 

Check other bank Gold loan interest rates:


Interest Rate

AXIS Bank Gold Loan

14.50% to 17%

HDFC Bank Gold loan

11% to 16%

Kotak Mahindra Bank Gold Loan

10.50% to 17%

Yes Bank Gold Loan

11.25% to 16.25%

ICICI Bank Gold Loan

10.00% to 19.76%

RBL Bank Gold Loan

Starting at 10.75%

IndusInd Bank Gold Loan

10.50% to 16.00%

Canara Bank Gold Loan

Starting at 13%

Punjab National Bank Gold Loan

10.05% to 11.05%

Other products of ICICI Bank :

1. ICICI Bank Personal Loan 

2. ICICI Bank Car Loan 

3. ICICI Bank Credit Card

4. ICICI Bank Home Loan 

How to apply for ICICI Bank gold loan :

1. Offline Method : By visiting the nearest bank branch.

2. Online Method :

  • First of all go to ICICI Bank web portal

  • Now  click on “Personal”

  • In “products” go to Loan 

  • Now go to “Gold Loan” 

  • Fill the application form and submit it

How to contact with ICICI Bank :

1. By customer care contact number : 18601207777

2. By customer care email id : [email protected]

Financials products offered by Bank :














ICICI Bank gold loan Frequently Asked Questions :

1. How does Gold Loan work?

Gold Loan is a straight forward product to understand. The Bank / NBFC provide you with funds against your gold jewelry. The amount depends upon the weight and purity of the Gold that you pledge.

2. Is Gold Loan secured?

Yes, Gold Loan comes under the category of Secured Loans. Because in a gold loan the customers deposit their gold ornaments in the Bank’s locker as security.

3. What happens when you don’t repay a Gold Loan?

In case the borrower is unable to repay the outstanding against a Gold Loan, the lender has the right to sell the deposited Gold and make a recovery.

4. What is the repayment tenure of a gold loan in ICICI Bank?

The repayment tenure of a gold loan in ICICI Bank is 3 months to 12 months..

5. What is the minimum and maximum loan amount of ICICI Bank gold loan ?

The minimum loan amount is Rs.10000 and maximum loan amount is Rs.15 lakh of ICICI Bank gold loan.

 6. Is age eligibility important to get a gold loan from ICICI Bank?

Yes, age eligibility is important to get a gold loan from ICICI Bank. The age should be 18 years to 70 years.



Last Updated on : 11/Aug/2020

Know More About

Icici Bank Gold Loan

You're eligible for a Icici Bank Gold Loan if you:

Are legally adult enough to handle it

Have still got it

Get a regular pay check

Make more than a basic buck

Your eligibility depends on:

Earn more than minimum income required

Maximum allowed Gold Loans is Rs. 10K to Rs. 45 lakhs

EMIs of other loans loweryour eligibility

Boost your eligibility by:

Pay off your credit card bills

Choose longer tenure loan up to 5 years

Nothing gets done without that paperwork (which we'll happily carry over to the bank for you, no sweat). Here's what you'll need:

  • 1. Photo ID and age proof
  • 2. Signed application form with photograph
  • 3. Residence proof
  • 4. Last 6 months bank statement
  • 5. Documentation for salaried applicants:
    • Last 3 months salary - slips
    • Form 16 or Income Tax Returns
  • 6. Documentation for self-employed applicants:
    • Last 3 years Income Tax Returns with computation of Income
    • Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account

Icici Bank Gold Loan Interest Rates

Updated on 25 Nov 2017

Icici Bank Gold Loan Details
Interest Rate (Monthly reducing balance) 10% - 19.76%
Processing Fees 1 % of loan amount
Loan Tenure 1 year to years
Pre-closure Charges Varies with bank
Guarantor Requirement Varies with bank

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