Multiple banks. Different interest rates. Call it a "conflict of interest".
  • loading

    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 14703 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Personal Loan BYTES FROM OUR KITCHEN
    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.

     Loading your search... Loading your search...
  • ICICI Gold Loan Reviews

    • ICICI Bank Personal Loan
      "Average service"
      0.5 4.0/5 "Great!"
      The ICICI bank executives never gave any response in concern to my personal loan application. So that was the reason I haven't got the loan with ICICI bank. The customer service need to be improved with ICICI bank, The response part need to be focus with ICICI bank. The rate of interest is nominal with ICICI bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 17, 2017
    • ICICI Bank Personal Loan
      "Need Transparency and genuine Follow up"
      0.5 1.0/5 "Really Bad"
      I dropped the personal loan plan from ICICI bank ,because I got confused withh which person to go with. Because there was 2 follow ups made by the ICICI team. So this is the reason I haven't proceed with the ICICI bank personal loan., The customer support explained me the product in a good manner.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 17, 2017
    • ICICI Bank Personal Loan
      "Nice Experience. High on ROI"
      0.5 4.5/5 "Excellent!"
      It was a quick process with ICICI Bank for the personal loan. I got the loan within a week. Just that the rate of interest was on the higher side. I got a rate of 13.99% and the processing charges was normal. The after loan services is so far so good.
      Was this review helpful? 0
      , madurai
      Reviewed on Aug 17, 2017
    • ICICI Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I Have asked ICICI executive to close my personal loan process at present because of some personal issues, and I am thinking to avail the loan after a month from ICICI bank. The ICICI bank has gave response in 3 days after giving requirement in their portal. The product explanation was good with ICICI bank.
      Was this review helpful? 0
      , kurnool
      Reviewed on Aug 17, 2017
    • ICICI Bank Personal Loan
      "Better service"
      0.5 4.0/5 "Great!"
      I would say the ICICI bank can be considered a s a very good bank nowadays. I have asked them to close my personal loan application because there was no requirement of loan. The customer service is good from ICICI bank. The Infrastructure and the services is very good with ICICI bank. The rate of interest is high when compared with others.
      Was this review helpful? 0
      , kota
      Reviewed on Aug 17, 2017
    • ICICI Bank Personal Loan
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      It was a pretty good service from ICICI bank for the personal loan. Actually this is my first experience for the loan process. The loan process completed in ten days of time the loan amount I have applied for 1.20 lakh and the processing fee they have charged is around 3000 rupees and tenured is for 4 years of time.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 17, 2017
    • ICICI Bank Personal Loan
      "Excellent process & high charges"
      0.5 5.0/5 "Blown Away!"
      I am extremely happy with ICICI Bank for the good process I had for the personal loan. The documentation is normal and the disbursement was fast. A very nice experience overall all. The customer support is good and the interest rate and processing charges was a bit high.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 17, 2017
    • ICICI Bank Personal Loan
      "Below Average service"
      0.5 1.0/5 "Really Bad"
      The ICICI bank has not fulfilled their promises., Initially they gave call and explained me about the product and they have promised me that they will send their executives to collect my documents , but no one turned up. I would say the service which was given was below average from ICICI bank.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Aug 17, 2017
    • ICICI Bank Personal Loan
      "Its Good"
      0.5 3.0/5 "Satisfactory"
      When I visited ICICI website to check about loan products, they promised time was some else but they have disbursed after ten days. I am not fine with the processing time it should be within time line. ICICI interest rate is also average it could be better, processing fee was also nominal as per the market.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 17, 2017
    • ICICI Bank Personal Loan
      "Good customer service"
      0.5 4.0/5 "Great!"
      I was informed that it is a paperless work. So I felt more comfortable and I applied for the personal loan. But the executive from ICICI bank, is unaware of the paperless process and they collected the documents from me so that thing was not good. Other than that, the rest of the process went good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 17, 2017
    • ICICI Bank Personal Loan
      "Customer friendly"
      0.5 5.0/5 "Blown Away!"
      Documentation of ICICI is really good, I could reach ICICI immediately on my queries. ICICI have sanctioned the required amount with the least interest rate. My loan amount is 12 lakhs with tenure five years. I am very much happy with their service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 17, 2017
    • ICICI Bank Personal Loan
      "Below Average service"
      0.5 2.0/5 "Expected more"
      I have asked the details of the product from ICICI bank executive, but they never gave any call to give the details about the loan, so then I have choose the other bank to go with my personal loan. The rate of interest is nominal with ICICI bank. I got a below average service from ICICI .
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 17, 2017
    • ICICI Bank Personal Loan
      "Its Good"
      0.5 4.0/5 "Great!"
      For me its easy to avail ICICI loan, because I am an existing customer of the bank. But documentation process was not good. One of the bank agent have done the mistake on principal amount, Instead of Rs.1 lakh, they mentioned as Rs.2 lakhs so process took four to five days for the disbursement. But ICICI rate of interest is nominal.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 17, 2017
    • ICICI Bank Personal Loan
      "Customer friendly"
      0.5 4.5/5 "Excellent!"
      Basically ICICI is quite faster , they have less loan formalities, they disbursed the amount very shortly with little paper works. Most of my information was with ICICI because I am an existing customer. Hence it was completed properly, I am fine with their service, even the interest rate is also nominal.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Aug 17, 2017
    • ICICI Bank Personal Loan
      "Needs Improvement"
      0.5 4.0/5 "Great!"
      The ICICI bank did proper response 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 when compared with others. It would be great if they give proper response to their customers.
      Was this review helpful? 0
      , pondicherry
      Reviewed on Aug 17, 2017
    • ICICI Bank Personal Loan
      "Services are good"
      0.5 4.0/5 "Great!"
      ICICI Bank was good in the personal loan process and it was quickly done and it just took three to four days. At one go the documents was collected. The loan letter was sent to me on time. The whole process was a transparent deal and the bank was reasonable on the interest rate and charges.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 17, 2017
    • ICICI Bank Personal Loan
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      My personal loan from ICICI Bank was approved instantly. The process is excellent as I am an existing customer and the documentation is simple. I got the funds as needed and I also got a good deal on the interest rate and processing charges. A great experience in all.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 17, 2017
    • ICICI Bank Personal Loan
      "No response from ICICI"
      0.5 3.0/5 "Satisfactory"
      No news from ICICI after placing my request with them. When I approached ICICI bank for the personal loan they called me and they verified my documents after that there was no response from them. I called them up to know the status but they failed to respond. Finally I ignored that application completely . My suggestion for them would be they should followup with their customer in order to retain them.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 17, 2017
    • ICICI Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      My personal loan got disbursed form ICICI bank within 4 days of time. The customer service is good with ICICI bank. The rate of interest and the charges are very high when compared with others. The required loan amount has been disbursed and I am satisfied with the service.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 16, 2017
    • ICICI Bank Personal Loan
      "Term and condition should be flexible to all"
      0.5 1.0/5 "Really Bad"
      There was out going loan running with Bajaj finserv because they charged me high rate of interest. So I thought to go with balance transfer with ICICI but they closed the application because they not ready to transfer entire amount. Even I do have salary account with ICICI but they didn't consider it.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Aug 16, 2017
    Common Loader Icon
  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.