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  • ICICI Gold Loan is Rated as "Great!" by 16806 Users

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    ICICI Gold Loan

    Apply for Personal Loan

    Overview of ICICI Gold Loan

    Don’t let opportunities slip through your fingers. When you have gold as an asset, you can easily avail a sizeable loan with the ICICI Bank Gold Loan, while your gold stays safe.

    All you financial needs can be met with the easy-to-avail ICICI Gold loan:

    • Business expansion/ working capital requirement
    • Education for children
    • Agricultural need
    • Down payment for buying property/ vehicle
    • Vacation with the family
    • Medical emergency

    Simply walk into any of the ICICI Bank branches which offer Gold Loan and avail your loan across the counter. The easy documentation and quick processing allows you to avail a loan before you know it.

    Features of ICICI Bank Gold Loan

    • Get loan instantly: You can instantly avail gold loan for amounts varying from Rs. 10,000 to Rs. 15 Lakhs. Simply walk into any of the ICICI Bank branches which offer Gold Loan with your jewellery to avail the loan.
    • Documentation: The documentation process is simple and you will be gaining from the most competitive rate per gram.
    • Interest rate: What’s more, the interest rate that the loan is offered at is one of the best available in the market.
    • Safety: Above all else, ICICI values the safety of your precious jewellery, which is why the experts at ICICI do everything to make sure that it is completely safe. The process is completely transparent and secure. First the expert value at the bank appraises the gold jewellery in the presence of the customer, seals the gold in a tamper proof pouch and places them in the bank’s secure vault. So when you leave your gold with ICICI, you will be leaving with complete peace of mind.

    ICICI Bank Gold Loan Eligibility

    Individuals between the ages of 18 and 70 years can apply for the gold loan. Applicant must prove to the bank that he/ she has the sufficient income required to repay the loan amount. As security, the applicant must provide security in the form of gold.

    ICICI Bank Gold Loan Interest Rates

    Your rates will vary according to the product variants.

    Minimum Maximum Mean Penal Interest
    10.0% 16.5% 13.5% 6%

    Penal interest is not applicable for agricultural loans up to ? 25,000 per customer.

    Documentation Required for ICICI Gold Loan

    • Passport size photographs (two)
    • Any one ID Proof such as PAN Card / Driving License/ Form 60/61 / Ration Card/ Voter ID Card / Passport Copy / Aadhaar Card.
    • Any one Address Proof such as Voter ID Card / Driving License / Ration Card / Passport Copy / Aadhaar Card / registered lease agreement. The customer is also required to submit utility bills in the name of landlord which is not older than 3 months old
    • In case of agriculture loan of more than Rs. 1 lakh, customer will need to provide proof of landholding

    ICICI Bank Gold Loan - Other Fees and Charges

    Particulars Twelve months product Six months product
    Prepayment Fees 1% of Principal Outstanding 1% of Principal Outstanding
    Processing Fees 1.0% of loan amount 1.0% of loan amount
    Documentation Charges ? 199 NA
    Renewal Fees

    For loans:

    • Upto ? 1 Lacs - ? 250
    • Greater than ? 1 lacs – upto ? 2 Lacs - ? 350

    Greater than ? 2 Lacs - ? 500

    Stamp Duty and other statutory charges As per Applicable laws of the State

    ICICI Bank Gold Loan FAQs

    1. What are the minimum and maximum loan amounts that I can avail with this loan?

      The minimum loan amount that you can avail is Rs. 10,000 and the maximum is Rs. 15 Lakhs.

    2. What are the documents that I need to submit?

      These are the documents which need to be submitted:

      • Passport size photographs (two)
      • Any one ID Proof such as PAN Card / Driving License/ Form 60/61 / Ration Card/ Voter ID Card / Passport Copy / Aadhaar Card.
      • Any one Address Proof such as Voter ID Card / Driving License / Ration Card / Passport Copy / Aadhaar Card / registered lease agreement. The customer is also required to submit utility bills in the name of landlord which is not older than 3 months old
      • In case of agriculture loan of more than Rs. 1 lakh, customer will need to provide proof of land holding
    3. In case my address changes (due to for example, a change in job location), will I need to contact the bank and let them know?

      Yes. ICICI Bank will have to be notified within 7 working days of you changing your address of residence/ business. The details must be given in writing to the bank.

    4. How is the interest on my account calculated?

      Interest is calculated as simple interest, which is fixed and is calculated on reducing balance basis.

    5. How can I repay the loan amount?

      You can repay the loan by Cheque, Cash, and DD or through Funds Transfer. The jewellery will be released when the bank receives the amount borrowed.

    ICICI Gold Loan Reviews

    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a personal loan with ICICI bank and my loan experience was good, the loan amount was based on my requirements and the rate of interest was nominal when compared to other banks. Customer service was good, they responded on time and the tenure period of this loan is 3 years.
      Was this review helpful? 0
      , faridabad
      Reviewed on May 24, 2018
    • ICICI Bank Personal Loan
      "Average"
      0.5 3.0/5 "Satisfactory"
      My personal loan was taken with ICICI bank 1 year back. The loan amount was 4 lakhs and the interest rate was 13% which is very high . The tenure period was 45 months. The process was very good and hassle free .The customer service and responses was not good . Here the charges are very high and there is no processing fee.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 24, 2018
    • ICICI Bank Personal Loan
      "Good overall"
      0.5 4.0/5 "Great!"
      It was a good experience with ICICI bank and the staff is very cooperative for the personal loan. The rate of interest is around 14.99% it is a fair rate when compared to the banks in the market. The processing fee is also okay but it should be made lesser.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on May 24, 2018
    • ICICI Bank Personal Loan
      "Satisfied with the services"
      0.5 4.5/5 "Excellent!"
      It was a good experience with ICICI Bank for the personal loan. It has been one month now. Since the auto debit option was not active, I had to make the EMI payment. The process of document collection was done on time and the disbursed amount was as needed. The rate of interest is around 11% and the processing fee was waived off.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 24, 2018
    • ICICI Bank Personal Loan
      "Services are good"
      0.5 4.0/5 "Great!"
      The process was good with ICICI Bank for the personal loan and they collected the documents on time and it was taken at my place. The rate of interest is around 10.99% which is okay for me and the processing fees is also nominal. The loan disbursed was as needed with the tenure for five years.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 22, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a personal loan from ICICI bank and the loan experience was good, the loan amount was for Rs 3 lakhs with nominal interest rate when compared to all other banks. The tenure period for this loan is 4 years and there are no preclosure charges for this loan.
      Was this review helpful? 0
      , secunderabad
      Reviewed on May 22, 2018
    • ICICI Bank Personal Loan
      "Good. Can do better on the rates"
      0.5 5.0/5 "Blown Away!"
      The process is good with ICICI Bank and I received the personal loan in one month. The documents were collected on time and the disbursement was as per my need. The rate of interest is of 14% and the processing fees is of 2600 which is on the higher side.
      Was this review helpful? 0
      , chennai
      Reviewed on May 22, 2018
    • ICICI Bank Personal Loan
      "Good experience"
      0.5 4.0/5 "Great!"
      The process was very good and smooth with ICICI Bank and I got the personal loan in less than a week. The rate of interest is around 15% and the processing fees was of 2500, which is on the higher side when compared to the other banks. The customer services and response is excellent, the guy came and guided me in the whole process.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 22, 2018
    • ICICI Bank Personal Loan
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      My personal loan experience was good with ICICI bank, the loan amount was for Rs 1.5 lakhs with nominal interest rate when compared to other banks. The process was quick and i received my loan amount on time. The tenure period for this loan is 3 years and the customer service was good.
      Was this review helpful? 0
      , chennai
      Reviewed on May 21, 2018
    • ICICI Bank Personal Loan
      "High Processing Fee"
      0.5 3.5/5 "Pretty good"
      I have taken a person loan from ICICI. I have taken a loan 7 months ago. Since i have a salary account with ICICI, they did not ask for much documents. It took 10 days to get a loan from ICICI Bank. They offering a interest rate of 16.42%. Total tenure of the loan is 2 years. I'm paying the EMI of Rs. 5300. I have taken loan amount of Rs. 1.5 Lakhs. Processing fee is high when compared to other banks.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 21, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      The personal loan process was good from the ICICI bank but the rate of interest and the charges were quite high and they haven't gave me any chance to negotiate. They took around 3 weeks time to disburse the loan amount. The rate of interest and the charges need to be reduced.
      Was this review helpful? 0
      , hosur
      Reviewed on May 21, 2018
    • ICICI Bank Personal Loan
      "Average"
      0.5 3.0/5 "Satisfactory"
      My personal loan was taken with ICICI bank few months back. The loan amount was 4 lakhs and the interest rate was 10.99%n which is satisfactory . The customer service and responses was very good,. The process was bit lengthy and they have take much time. They have provided door step service for collecting documents.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 20, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I got the personal loan amount within a week time. The customer support service and the response is very good from the ICICI bank. The rate of interest and the charges are average with the ICICI bank when compared with others. The loan amount was low with the ICICI bank .
      Was this review helpful? 0
      , mettur
      Reviewed on May 18, 2018
    • ICICI Bank Personal Loan
      "Average service"
      0.5 4.0/5 "Great!"
      The ICICI bank support was god in regards to my personal loan application and I have got the loan amount within 10days of time. The customer support service and the response is good from the ICICI bank. The rate of interest was quite high with the ICICI bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 18, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My personal loan experience was good with ICICI bank, the loan amount was for Rs 2.5 lakhs with nominal interest rate when compared to other banks. The process was quick and i received my loan amount on time. Customer service was good and the tenure for this loan is 4 years.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 18, 2018
    • ICICI Bank Personal Loan
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      I have approached ICICI bank for my personal loan . I gave all my details later they said that they are not providing loans for employees and rejected my application. The loan amount was 2.5 lakhs and the interest rate was 15.99% . I am not happy with the customer service and responses .
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on May 17, 2018
    • ICICI Bank Personal Loan
      "good Expereince "
      0.5 5.0/5 "Blown Away!"
      I took a personal loan for 2 lacs from the ICICI bank. The loan was disbursed with in a week, the interest rate was 13% which was not so high. The whole application process was simple and the EMI gets reflected in my credit card outstanding. Overall It was good experience.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 17, 2018
    • ICICI Bank Personal Loan
      "Excellent service"
      0.5 4.0/5 "Great!"
      The rate of interest and the charges are bit high with the ICICI bank personal loan services. The fore closure charges were high with the ICICI bank and they are collecting up to 5% . The customer support service and the response is good from the ICICI bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 16, 2018
    • ICICI Bank Personal Loan
      "No partpayment for personal loan"
      0.5 3.5/5 "Pretty good"
      I have taken a personal loan from ICICI bank and the disbursed loan amount was 7.52 lakhs. The rate of interest was 11.29%. The monthly emi is 8500 for tenure of 5years.There was a no processing fee. Pre closure facility is there but they don't have the option of part payment, for that i am not satisfied with ICICI bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 16, 2018
    • ICICI Bank Personal Loan
      "Quick Service"
      0.5 4.5/5 "Excellent!"
      I took a personal loan for 2 Lacs from ICICI. They offered the personal loan at an interest rate of 14%. The application process was really easy and hassle free. I never had any issues with their services. Overall it was a good experience taking loan from ICICI
      Was this review helpful? 0
      , new delhi
      Reviewed on May 16, 2018
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