Multiple banks. Different interest rates. Call it a "conflict of interest".
Multiple banks. Different interest rates. Call it a "conflict of interest".
  •  Loading your search... Loading your search...
  • ICICI Gold Loan is Rated as "Great!" by 16405 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Personal Loan BYTES FROM OUR KITCHEN

    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.the loan amount is 2.43 lakhs,Rate of interest is 11.4% nominal as compared to others.They had processed the loan quickly based on the relationship with the bank.The EMI is 7989 paid through an ECS payment.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Dec 15, 2017
    • ICICI Bank Personal Loan
      "GOOD"
      0.5 4.0/5 "Great!"
      It was a good experience with ICICI Bank as took personal loan from them . The bank gave me a full approval on the amount i asked for . The money got Disbursed in 2 working days time . The Rate of interest was 11%they charged and the processing fee was 5K they took . There was Pre closure option there available on the amount . I took this loan 6 months back .
      Was this review helpful? 3
      , chennai
      Reviewed on Dec 14, 2017
    • ICICI Bank Personal Loan
      "Not bad"
      0.5 4.0/5 "Great!"
      My personal loan was taken with ICICI bank 6 months back. The loan amount was 1 lakh and the rate of interest was 17% which was very high comparing to other bank . The processing fee was 2.5% here. They did not require too many documents since i have my salary account here.
      Was this review helpful? 2
      , bangalore
      Reviewed on Dec 14, 2017
    • ICICI Bank Personal Loan
      "Good experience"
      0.5 4.0/5 "Great!"
      My personal loan was taken with ICICI bank. The rate 0f interest was 14% which was average in the market and the tenure period was 4 years . I had a very good loan process so would like to recommend to others. My overall experience was good so I would like to recommend this bank to others.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 14, 2017
    • ICICI Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have my personal loan with ICICI bank 2 months back . The loan amount was 1,10,000 and the rate of interest was 0.9% which was very low. The tenure period was 12 months and here I am satisfied with the loan amount . They have sanctioned the loan with the committed time.
      Was this review helpful? 2
      , ahmedabad
      Reviewed on Dec 14, 2017
    • ICICI Bank Personal Loan
      "Good Experience"
      0.5 4.0/5 "Great!"
      ICICI interest rate is good, they gave me 11.5% of interest for the personal loan. Hence I done balance transfer from HDFC to ICICI bank. The customer service is good, they done loan process on time. ICICI gave me loan period of five years for the loan amount of Rs. 6.5 lakhs.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Dec 12, 2017
    • ICICI Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan with ICICI bank, they have disbursed the expected loan amount.The rate of interest is nominal as compared to others.Net banking is excellent to use,make payment and to get other transaction information.They had immediately responded to the request.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 12, 2017
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have applied for a personal loan with ICICI bank.they have given loan amount of 73,000,rate of interest is little high as compared to other banks,they were quick to process my request.I submitted documents for the same.I got have paid my first EMI as yet.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Dec 12, 2017
    • ICICI Bank Personal Loan
      "Best banking"
      0.5 4.0/5 "Great!"
      I have taken a personal loan with ICICI bank.The loan amount is 2 lakhs,rate of interest is good compared to others.They have deducted processing fees of Rs5300,submitted documents to process the request.Net banking and mobile App is fine.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Dec 12, 2017
    • ICICI Bank Personal Loan
      "Interest rate to be reduced"
      0.5 4.0/5 "Great!"
      I had taken a personal loan with ICICI Bank before 6 months. It is not a pre approval loan. The rate of interest was high, they charging around 18% compared to other banks. It is a tenure of 5 years. I pay premium of 2500 rupees per month through ECS. The documentation process was simple and provided doorstep service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 12, 2017
    • ICICI Bank Personal Loan
      "Best banking"
      0.5 5.0/5 "Blown Away!"
      I have applied for a personal loan with ICICI bank for a loan amount of seven lakhs.Rate of interest is 10% low as compared to other banks.They had immediately processed the request within a week post submitting documents. I would end up saying that it was great dealing with them.
      Was this review helpful? 3
      , new delhi
      Reviewed on Dec 11, 2017
    • ICICI Bank Personal Loan
      "Best banking"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan with ICICI bank.The loan amount is two lakhs,rate of interest is 15.99% nominal as compared to others.They had processed the request within 10 days.The executives collected documents from my place.They have deducted processing fees of Rs 9000.
      Was this review helpful? 2
      , jaipur
      Reviewed on Dec 11, 2017
    • ICICI Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan with ICICI bank.The loan amount is 1.70 lakhs,Rate of interest is 16% high compared to others,its been two months since i have taken the loan,they have deducted processing fees from the loan amount,i have submitted documents to process the loan.
      Was this review helpful? 1
      , ernakulam
      Reviewed on Dec 11, 2017
    • ICICI Bank Personal Loan
      "Good "
      0.5 4.0/5 "Great!"
      I have closed the personal loan with the ICICI bank and the interest rate was not really made me happy . I would like to say that the customer service was good one with the ICICI bank. I am happy with the ICICI bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 11, 2017
    • ICICI Bank Personal Loan
      "Not bad"
      0.5 3.0/5 "Satisfactory"
      My personal loan was taken with ICICI bank 3 years back. The loan amount was 2.5 lakhs and the interest rate was 2.5 lakhs . The tenure period was 17-18% which was very high than other banks in the market . It was a lengthy process and the processing fee was also high . Here the pre closer is after 1 year and My overall experience was not bad.
      Was this review helpful? 1
      , chennai
      Reviewed on Dec 11, 2017
    • ICICI Bank Personal Loan
      "Good service"
      0.5 3.5/5 "Pretty good"
      I have taken a personal loan with ICICI bank.the loan mount is 90,000,rate of interest is 16-17% nominal as compared to other banks.I have submitted documents and they have processed within a week.The response of the executives are good and prompt.
      Was this review helpful? 0
      , dwarka
      Reviewed on Dec 11, 2017
    • ICICI Bank Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      ICICI Bank personal loan service was good ,the process was very fast. The customer support was good and they offered me a credit limit of 8.99 which was nominal compared to the market value and the documents have been collected from my door step from ICICI Bank personal loan department.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 11, 2017
    • ICICI Bank Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      It was a good experience with icici personal loan service ,they offered me a higher interest rate compared to the market value which was 17.99% ,and they collected all my documents from my work place which was a easy process ,it was a good service from icici personal loan service.
      Was this review helpful? 0
      , ernakulam
      Reviewed on Dec 11, 2017
    • ICICI Bank Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      The documents process was very easy from icici personal loan department they collected from my door step and they said it will be a paperless process still they ask with some hard copy it was little disappointed for me. The customer support was prompt it was a good experience with icici personal loan service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 11, 2017
    • ICICI Bank Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      The Icici personal loan service was really good,the rate of interest they offered me was 13.99 pretty high compared to the market value ,the documents were collected from my door step it was a good experience which I had received on ICICI personal loan department.
      Was this review helpful? 0
      , delhi
      Reviewed on Dec 11, 2017
    Common Loader Icon
  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.