IndusInd Bank Gold Loan: Interest Rate, Eligibility, Processing & Customer Care

Apply Now


About Indusind Bank Gold Loan :

Indian Bank Limited is an Indian new generation bank in Pune, established in 1994. The Bank offers commercial, transactional and electronic banking products and services. Indusind Bank inaugurates its first solar powered ATM in Mumbai.

IndusInd Bank offers gold loans to its customers between 10.50% to 16.00% with extremely flexible repayment tenures. You can apply for a gold loan from IndusInd Bank by either applying for it online or by visiting the nearest branch of the bank with proper documents and gold ornaments as a security. Gold Loans are loans availed by pledging your gold ornaments with a bank. IndusInd Bank gold loan  can be taken for meeting urgent personal expenses like children education, marriage and other financial emergencies in the family as well as for business purposes. The gold mortgaged acts as a security to the loan. 

Benefits of Indusind Bank Gold Loan :

  • IndusInd bank gold loan is very easy to apply. You can apply for the Gold Loan Online within a few minutes.

  • If you are eligible, your loan gets approved within 5 minutes.

  • If you have complete documents, it can be disbursed very quickly.

  • The bank is fully responsible for the safety of your gold ornaments. Gold assets will be kept under very tight security.

  • The interest rates provided by the bank are very affordable.

  • The documentation process is very less as well as simple. Bank only asks for essential documents of yours.

  • Extra benefits for existing indusind bank customers.

Fees and charges of Indusind Bank Gold Loan :



Processing Fee

Up to 1% of the loan amount subject to a maximum amount of Rs.750.

Valuation Fee

Rs.300 for loan up to Rs.2 lakh, and Rs.500 for loan over and above Rs.2 lakh.

Charges for late payment of loan amount

24% per annum as penal interest over and above the applicable interest of rates.

Stamp duty and other statutory charges

Applicable as per the law of the State

Renewal Processing Fees

Up to Rs.550

Prepayment/Part payment charges

Up to 1% of the outstanding amount

Non-standard repayment charges


Credit assessment charges


Cheque swapping charges


Outstation clearing charges


Bounce Cheque Charges


Loan cancellation / rebooking charges


Eligibility Criteria for Indusind Bank Gold Loan :

1. Individual borrowers (Age: 18-70 years)

2. Non-individual borrowers (Age: 3 years)

3. Disbursal mode Cash, pay order, NEFT and RTGS

4. No income proof needed for loans up to Rs 10 lakh

Documents required for Indusind Bank gold loan :

The list of documents you will have to submit in order to avail gold loan from IndusInd Bank is given below:

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)

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 Indusind Bank :

1.  Indusind Bank Car Loan

2.  Indusind Bank Personal loan 

3.  Indusind Bank Credit Card

4.  Indusind Bank Home Loan

How to apply for Indusind Bank Gold loan :

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

2. Online Method :

  • First of all go to Indusind Bank web portal

  • Now  click on “Personal”

  • Now go to “Loan” 

  • After that click on “Gold loan”

  • Fill the application form and submit it

How to contact with Indusind Bank Gold Loan :

1. By customer care contact number : 18605005004

2. By customer care email id :

Financials products offered by Bank :














Indusind Bank Gold loan Frequently Asked Questions :

1. How much Gold Loan can I get per gram in IndusInd Bank?

IndusInd Bank provides quick Gold Loans. You can get Rs. 2,422 to Rs. 2,960 per gram of gold depending on the purity.

2. What is the Gold Loan interest rate in IndusInd Bank?

IndusInd Bank provides gold loans with an interest rate of 10.50% to 16.00%  per annum. They also charge a processing fee of 1% of the loan amount or a minimum of Rs. 750 and a gold valuation fee of Rs 300 for a loan amount of up to Rs. 2 lacs and Rs 500 for a loan amount above Rs. 2 lacs. 

3. How to pay IndusInd Bank Gold Loan online?

You can make online payments for your IndusInd Gold Loan via net-banking. For further details and information, you can contact the customer care number of the bank.

4. What is the minimum and maximum loan amount of Indusind Bank Gold Loan?

The minimum loan amount is Rs.10000 and maximum loan amount is Rs.10 lakh of Indusind bank gold loan.

5. What is the repayment tenure period of Indusind Bank Gold Loan?

The repayment tenure period of Indusind Bank Gold Loan is 3 months to 2 years.

Last Updated on : 08/Dec/2020

Know More About

Indusind Bank Gold Loan

You're eligible for a Indusind 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

Indusind Bank Gold Loan Interest Rates

Updated on 25 Nov 2017

Indusind Bank Gold Loan Details
Interest Rate (Monthly reducing balance) 10.5% - 16%
Processing Fees Upto 1% of loan amount subject to a minimum of Rs. 750
Loan Tenure 2 year to years
Pre-closure Charges Varies with bank
Guarantor Requirement Varies with bank

Gold Loans EMI Calculator

Loan Amount


Interest Rate


Loan Tenure


Your Monthly Loan EMI