Multiple banks. Different interest rates. Call it a "conflict of interest".
  • ICICI Gold Loan is Rated as "Great!" by 17563 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Personal Loan BYTES FROM OUR KITCHEN

    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
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I did not had that much of a good experience with them where the promises which made has not been fulfilled. The process was quick and the interest rate with them has been nominal, but the charges which they had made has been quite high where they had made some additional charges.
      Was this review helpful? 1
      , chennai
      Reviewed on Mar 17, 2019
    • ICICI Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have taken personal loan through ICICI BANK , i receive my loan with in few days and it is 7.5lkah , the process was too quick with this bank , i did no face any issue while getting loan and at the time of documentation . Rate of interest is 11.69% and processing fee is nominal . Tenure period is 5 year .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 17, 2019
    • ICICI Bank Personal Loan
      "BEST service"
      0.5 5.0/5 "Blown Away!"
      My personal loan amount was taken with ICICI BANK , the customer support is excellent with this bank , i can connect them easily with them . The tenure period is 4 year and loan amount is up to the mark . They provide interest rate and processing fee is nominal . Loan amount is 2.7lakh .
      Was this review helpful? 1
      , rudrapur
      Reviewed on Mar 17, 2019
    • ICICI Bank Personal Loan
      "Excellent"
      0.5 4.5/5 "Excellent!"
      I am using my phone then I got a sms for Icici bank personal loan if you want personal loan press ok then I pressed ok button instant withing 10 mints my account is created 1.55 L rupees and four years tenure rate of interested is nominal I am satisfied with Icici bank .
      Was this review helpful? 1
      , hyderabad
      Reviewed on Mar 16, 2019
    • ICICI Bank Personal Loan
      "Good Experience"
      0.5 4.0/5 "Great!"
      There is no communication required because everything is time thing, the loan process was also completed on time. ICICI gave me the best interest, it has the tenure of four years. They do have party payment and foreclosure but I don't look into it, because I am not interest for the foreclosure.
      Was this review helpful? 1
      , chennai
      Reviewed on Mar 16, 2019
    • ICICI Bank Personal Loan
      "Hassle free and Best Experience"
      0.5 4.0/5 "Great!"
      My ICICI loan end on 2022, my loan experience is satisfactory. The bank have taken one week of time to collect the documents and to verify it , the documentation was easy. The rate of interest is less for the principal amount, I am satisfied with them.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 16, 2019
    • ICICI Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been holding personal loan with ICICI bank ,the loan amount which they have given me was sufficient,and the rate of interest they have charged me was nominal,and the processing fee they have been charging me or not i have no idea,still this loan is running.
      Was this review helpful? 1
      , navi mumbai
      Reviewed on Mar 15, 2019
    • ICICI Bank Personal Loan
      "Interest should be competative"
      0.5 4.0/5 "Great!"
      Very long back I took ICICI personal loan, process wise they are good but the interest rate was more compared to other bank at the time of availing. They done a fast approval on the loan process it would be recommendable based on the process which I experienced.
      Was this review helpful? 1
      , chennai
      Reviewed on Mar 15, 2019
    • ICICI Bank Personal Loan
      "Not satisfied with the service"
      0.5 1.0/5 "Really Bad"
      I had applied for a Personal loan with ICICI for a long time back and the experience was not quite good. The bank person had came and collected the documents at the doorsteps and it was pretty okay. But there was no response from their end after that. I suggests that the bank should be providing the reason for the rejection.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 14, 2019
    • ICICI Bank Personal Loan
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have taken the personal loan with the ICICI BANK the documentation process was simple and also it is quick to get the loan. The got the loan amount which is satisfactory added on that the rate of interest was nominal with this personal loan.
      Was this review helpful? 1
      , kolkata
      Reviewed on Mar 13, 2019
    • ICICI Bank Personal Loan
      "Charges should be economical"
      0.5 3.0/5 "Satisfactory"
      I have closed ICICI loan, I took it for Rs. 2.5 lakhs with the interest of 16.99% with the duration of three years. But the interest rate was higher, after 10 emi I have done the foreclosure, I paid the processing fee around Rs.7000 from the remaining out standing. I already taken top up with them the outstanding was accumulated hence I paid extra fee.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 11, 2019
    • ICICI Bank Personal Loan
      "Good Experience"
      0.5 5.0/5 "Blown Away!"
      I directly took personal loan from ICICI bank, the experience was good. The loan process happened on time within 3 to 4 days, the customer support is good. I took the loan for the interest of 13% its fine for me and there was no processing or addition fee on the disbursement.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 11, 2019
    • ICICI Bank Personal Loan
      "Excellent bank"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan with ICICI Bank and I am happy with the service and process. The rate of interest is nominal and there was a processing fee too. Apart from the paper work there are no other hassles and I received the loan from the in five days.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 10, 2019
    • ICICI Bank Personal Loan
      "Pre approved in loan 3 mts "
      0.5 5.0/5 "Blown Away!"
      ICICI offered me a pre approved loan offer in 3 minutes of time . Since i have a salary account in ICICI for more than 3 years , they approved this loan without any submission of documents . ICICI provides a very good customer service a for a very longer period.
      Was this review helpful? 1
      , mumbai
      Reviewed on Mar 09, 2019
    • ICICI Bank Personal Loan
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I have a personal loan with ICICI Bank and the process for the loan was done on time. I had no hassles to get the loan and the rate of interest and processing charges was nominal too. The documents was collected on time and in all no hassles for me.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 09, 2019
    • ICICI Bank Personal Loan
      "They can reduce the interest rate"
      0.5 3.5/5 "Pretty good"
      I have taken a personal loan in ICICI BANK through online channel. The interest rate is high actually they said the disbursement will happen within 7 days but they took almost 2 weeks. They have not charged me a processing fee. The loan tenure is 3 years.
      Was this review helpful? 1
      , pune
      Reviewed on Mar 09, 2019
    • ICICI Bank Personal Loan
      "Unhappy with the services"
      0.5 1.0/5 "Really Bad"
      I had applied for a personal loan with ICICI Bank. The bank has not offered me one and it has not been a very good experience. Though I am a existing customer there is no benefit from the bank. They need to work on the overall services and provide benefits.
      Was this review helpful? 1
      , new delhi
      Reviewed on Mar 09, 2019
    • ICICI Bank Personal Loan
      "Need to reduce the charges but certain things are good"
      0.5 5.0/5 "Blown Away!"
      The interest rate is little bit higher and took the personal loan in ICICI BANK before 3 months. The processing fee was 1.25% when compared to other which was bit higher and now all other banks are doing it for zero processing fee. The loan period is 3 years. The document process was better.
      Was this review helpful? 0
      , patna
      Reviewed on Mar 08, 2019
    • ICICI Bank Personal Loan
      "GOOD"
      0.5 4.0/5 "Great!"
      I have previously taken the personal loan with the ICICI BANK they have given the loan amount which was lesser and not satisfactory., The rate of interest was 11.49% which is lesser when compared to the others. I have been using it since from last 5 years.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 08, 2019
    • ICICI Bank Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have been holding my personal loan with ICICI bank previously.The loan had got closed, the loan amount was sufficient, the rate of interest they have charged me was 14.75% too high , but now i have closed this loan successfully.Their overall service was okay.
      Was this review helpful? 0
      , gudivada
      Reviewed on Mar 08, 2019
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