Multiple banks. Different interest rates. Call it a "conflict of interest".
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    We found 1 ICICI Gold Loan

    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    10.99% - 17.99% Fixed
    2.25% (min. ₹1499 + applicable tax) One time fee
    20L Max
    1-5 Years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews

    ICICI Gold Loan is Rated as "Great!" by 14510 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Personal Loan BYTES FROM OUR KITCHEN

    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.

    Apply for Personal Loan

    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.

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  • ICICI Gold Loan Reviews

    • ICICI Bank Personal Loan
      "Average service"
      0.5 2.0/5 "Expected more"
      The ICICI bank executives told that the private or public company employees are not eligible to get the loan, They are not interested to give the loan for the people those who own a company. The customer service and the response was average with ICICI bank. The rate if interest charged by them is higher than the normal one.
      Was this review helpful? 0
      , konnagar
      Reviewed on Jul 19, 2017
    • ICICI Bank Personal Loan
      "Average service"
      0.5 1.0/5 "Really Bad"
      I haven't received any kind of calls from ICICI bank in concern to my personal loan application and I am not sure why they have closed my application. The customer service and there response part need to improved with ICICI bank. The rate of interest is nominal with ICICI.
      Was this review helpful? 0
      , bhimavaram
      Reviewed on Jul 19, 2017
    • ICICI Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      ICICI executive gave a call and explained me about the product very clearly and helped me to know about the product briefly . The customer service and the response is very good with ICICI bank. The rate of interest is nominal with ICICI bank. I am happy about the ICICI bank service.
      Was this review helpful? 0
      , ankleshwar
      Reviewed on Jul 19, 2017
    • ICICI Bank Personal Loan
      "Need improvement"
      0.5 3.0/5 "Satisfactory"
      I have applied credit card personal loan twice with ICICI bank, but there was no response in concern to my applications. The customer service and the response is average with ICICI bank. The rate of interest is high when compared with others.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 19, 2017
    • ICICI Bank Personal Loan
      "Not Responsive"
      0.5 2.0/5 "Expected more"
      I approached ICICI bank for the personal loan. I never received proper response from the bank end for my personal loan application. Even they rejected my application stated that the salary is not sufficient to get the loan from them. Finally I dropped my plan.
      Was this review helpful? 0
      , vijayawada
      Reviewed on Jul 19, 2017
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I got the personal loan from ICICI bank through the help of pay sense application . The customer service and the response is good with ICICI bank. The rate of interest is nominal with ICICI bank. I am happy and satisfied with the loan amount.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 18, 2017
    • ICICI Bank Personal Loan
      "Average service"
      0.5 1.0/5 "Really Bad"
      Former part they quoted a different interest rate but at a latter stage they offered me a different interest rate. Therefore ICICI bank needs to stick on their promises. The ICICI bank executives need to be transparent in their service. The ICICI bank customer support and the response was good. They took around 1 month to disburse my personal loan besides that I am very much happy with the loan amount too.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 18, 2017
    • ICICI Bank Personal Loan
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I didn't get the loan from ICICI bank due to some personal issues, so that was the reason I haven't got the loan from ICICI bank. The customer service and the response was average with ICICI bank. The rate of interest is high when compared with others.
      Was this review helpful? 0
      , kharagpur
      Reviewed on Jul 18, 2017
    • ICICI Bank Personal Loan
      "Need to be customer centric"
      0.5 4.0/5 "Great!"
      I have discussed with ICICI executive about the interest rate of my personal loan application but they told it is not possible to reduce the interest rate so that was the reason I haven't availed the loan from ICICI bank. ICICI bank needs to lower the bank interest rate.
      Was this review helpful? 0
      , ariyalur
      Reviewed on Jul 18, 2017
    • ICICI Bank Personal Loan
      "No Response"
      0.5 3.0/5 "Satisfactory"
      Initially I applied for the personal loan with ICICI bank but later I did not take the loan from them because I had postponed the plan for two months. Also I did not receive good response from the bank end for my loan application. To conclude the service rendered by them is very much average.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 17, 2017
    • ICICI Bank Personal Loan
      "Better service"
      0.5 2.0/5 "Expected more"
      I have approached ICICI bank for the personal loan, but they haven't gave any call back in concern to my personal loan application. The customer service and the response needs to be improved with ICICI bank.The rate of interest is nominal with ICICI . The service rendered by ICICI bank is really good.
      Was this review helpful? 0
      , madurai
      Reviewed on Jul 17, 2017
    • ICICI Bank Personal Loan
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      Initially ICICI executive gave a call and explained me about the product but after that no one gave a call back or any response in concern to my personal loan application. The customer service need to be improved with ICICI. The rate of interest is high, when compared with others . The ICICI bank need to be focused a lot in customers as well they need to reduce their interest rate.
      Was this review helpful? 0
      , khammam
      Reviewed on Jul 15, 2017
    • ICICI Bank Personal Loan
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      The ICICI bank executive gave a call and explained me about the product. They told my personal loan application got closed due to some reason, however they did not disclose the reason. The customer service and the response is really good with ICICI bank. The rate of interest is nominal with ICICI . I am very much satisfied using ICICI banking service.
      Was this review helpful? 0
      , allahabad
      Reviewed on Jul 15, 2017
    • ICICI Bank Personal Loan
      "Need Improvement"
      0.5 1.0/5 "Really Bad"
      The ICICI bank representative came to my place to collect the documents and I have told them that I may require the loan in the month august so that was the reason I haven't proceed with the ICICI personal loan. I would say the ICICI bank need to be improved with their quick response. The rate of interest is high with ICICI bank. The ICICI bank management and the banking sector need to be focused a lot.
      Was this review helpful? 0
      , nagpur
      Reviewed on Jul 15, 2017
    • ICICI Bank Personal Loan
      "Response part has to be improved"
      0.5 3.0/5 "Satisfactory"
      If ICICI bank had been more responsible, I would have process for the personal loan. But they didn't coordinate well, the bank executive never revert back for loan process. Even though their interest rate was high, I thought to process with them.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jul 13, 2017
    • ICICI Bank Personal Loan
      "Better"
      0.5 5.0/5 "Blown Away!"
      Actually I approached ICICI bank through third party online source. Because I had received a mail from third party stating that the interest rate would be 10.99% for the personal loan so I applied for the loan, after which they said it is 13.99% and they forwarded my loan application to ICICI bank. I asked the bank to reduce the interest rate from 13.99 to 10.99% but the bank did not reduce it so I informed them to close my loan application.
      Was this review helpful? 0
      , ankleshwar
      Reviewed on Jul 13, 2017
    • ICICI Bank Personal Loan
      "Better Service"
      0.5 3.0/5 "Satisfactory"
      For the personal loan, I approached ICICI bank but due to some reason I had to cancel the application. Otherwise I had no issues with the bank. But I never received an immediate response from the bank, they contacted me after two days when my application has been forwarded to the bank. It would be really good if they provide instant response.
      Was this review helpful? 0
      , mahbubnagar
      Reviewed on Jul 13, 2017
    • ICICI Bank Personal Loan
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      ICICI Bank has contacted me on time for the personal loan. I did not go ahead with them because bank executive said that they don't provide loans to that place where Iam staying and the loan amount I had idea of taking for about five lakhs rupees, rest all okay with this bank.
      Was this review helpful? 0
      , lucknow
      Reviewed on Jul 13, 2017
    • ICICI Bank Personal Loan
      "Need Improvement"
      0.5 1.0/5 "Really Bad"
      ICICI executives gave me a call and explained me about the product in detail. I had given all my details to them and was confirmed that they will give a call back however no turned up. They did not even inform me that my loan application got closed. Both customer service and response needs to be improved with ICICI bank. Even the rate of interest is very much nominal with ICICI.
      Was this review helpful? 0
      , dindigul
      Reviewed on Jul 13, 2017
    • ICICI Bank Personal Loan
      "Average Response"
      0.5 4.5/5 "Excellent!"
      ICICI bank quoted 17.99 % to 18.99% for the personal loan when I applied. I had a call once from ICICI bank and they informed me about the interest rate after that no body from the bank reached out for document collection. There was no response from ICICI bank, meantime HDFC offered the loan with good interest rate so I just switched over.
      Was this review helpful? 0
      , jamshedpur
      Reviewed on Jul 13, 2017
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