Multiple banks. Different interest rates. Call it a "conflict of interest".
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  • ICICI Gold Loan Reviews

    • ICICI Bank Personal Loan
      "Response time has to be improved"
      0.5 1.0/5 "Really Bad"
      ICICI wan't not responded on time for Personal loan request through online channel, I have been waited around 3 to 4 days. Finally I went bank and took the loan around 1.20 lakhs at the time they done good process. I would like to suggest them to improve the response time .
      Was this review helpful? 0
      , mohali
      Reviewed on Sep 21, 2017
    • ICICI Bank Personal Loan
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have approached ICICI bank for my personal loan . They have rejected my application since my account balance was low but my credit score was good. I am satisfied with their customer service and responses and the rate of interest was 13 -14% which is not bad. My overall experience was good.
      Was this review helpful? 0
      , lucknow
      Reviewed on Sep 21, 2017
    • ICICI Bank Personal Loan
      "Good service"
      0.5 1.0/5 "Really Bad"
      My loan application got rejected by the ICICI bank, saying that I have got the other EMI's to pay so that was the reason I haven't got the loan from ICICI bank. The customer service and the response was below average with ICICI bank. The rate of interest is high when compared with others banks.
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      , akola
      Reviewed on Sep 21, 2017
    • ICICI Bank Personal Loan
      "Good "
      0.5 3.0/5 "Satisfactory"
      I have approached ICICI bank for my personal loan through online. They have rejected my application since I am a proprietor of my company other than that their rate of interest was average and the customer service and responses was good. I would like rate 3 out of 5 overall.
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      , nellore
      Reviewed on Sep 21, 2017
    • ICICI Bank Personal Loan
      "Its Better"
      0.5 3.0/5 "Satisfactory"
      They are expecting the minimum salary of Rs.25,000 but my take home salary is around Rs.14,500. That's the reason ICICI have rejected the personal loan application. I do have other loans but ICICI is the only bank not ready sanctioned the loan.
      Was this review helpful? 0
      , khammam
      Reviewed on Sep 21, 2017
    • ICICI Bank Personal Loan
      "Approachable bank"
      0.5 3.5/5 "Pretty good"
      I applied for a personal loan application with ICICI BANK. But i asked to hold the process till i get approval for my housing loan and later i will check with the ICICI bank for a personal loan. Once my housing loan got approved i will get the loan.
      Was this review helpful? 0
      , jalandhar
      Reviewed on Sep 21, 2017
    • ICICI Bank Personal Loan
      "Approachable bank"
      0.5 5.0/5 "Blown Away!"
      Actually i was looking for a personal loan with ICICI BANK. Later i arrange the requested amount from someone so from my end i have closed the personal loan application with ICICI bank. But if i need any requirement in near future i will definitely consider this bank.
      Was this review helpful? 0
      , vapi
      Reviewed on Sep 21, 2017
    • ICICI Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      Received a personal loan from ICICI bank very recently. They have disbursed my loan amount within 7 working days. The required loan amount has been disbursed by ICICI bank. The rate of interest is nominal when compared with others banks. This loan has the tenure of 3years.
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      , hyderabad
      Reviewed on Sep 21, 2017
    • ICICI Bank Personal Loan
      "Looking for better service and offers"
      0.5 2.0/5 "Expected more"
      When I approached ICICI for the personal loan, their was no response from their end, I got a call stating, ICICI executive would come to my place to collect the documents but nobody revert back. Finally HDFC gave responded, I have processed with them. Even ICICI interest rate was also very high around 17%.
      Was this review helpful? 0
      , kollam
      Reviewed on Sep 21, 2017
    • ICICI Bank Personal Loan
      "Very good"
      0.5 5.0/5 "Blown Away!"
      ICICI is one of the leading banks also they are very costly. Interest rate charged by ICICI Bank is very high which is 18-19% for the personal loan. I am sure after 6 months customer would switch over to another bank which provides lower rate of interest as the competitive is very tough,
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      , hyderabad
      Reviewed on Sep 21, 2017
    • ICICI Bank Personal Loan
      "Poor service"
      0.5 1.0/5 "Really Bad"
      With ICICI BANK i have requested for a personal loan. The customer service executive told me only if i have an account with them only they can provide loan. Even after my application no one from the bank contacted me regarding the same and after a long while i did call back for the follow ups.
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      , dharmapuri
      Reviewed on Sep 21, 2017
    • ICICI Bank Personal Loan
      "Need to improve service"
      0.5 3.0/5 "Satisfactory"
      The ICICI people has promised that they are going to send their executive but no one turned up so that was the reason I have arranged the amount from other source,. The rate of interest which they have offered me was nominal with ICICI bank. The Customer service need to be improve with ICICI bank.
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      , secunderabad
      Reviewed on Sep 21, 2017
    • ICICI Bank Personal Loan
      "Very high on the ROI and charges"
      0.5 5.0/5 "Blown Away!"
      The process at ICICI Bank was good and it was very quick. I have taken a personal loan and customer services was good, they collected my paper work on time as well. The interest rate was very high. It was around 16%. The processing charges are also very high.
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      , chennai
      Reviewed on Sep 21, 2017
    • ICICI Bank Personal Loan
      "Average Service"
      0.5 1.0/5 "Really Bad"
      The response part was very poor with ICICI bank, they gave a call after 20 days of time after I have applied for the loan. The rat of interest was nominal with ICICI bank. The customer service need to give proper response to the customer. The status of product need to be intimated to customer on time.
      Was this review helpful? 0
      , tiruchirapalli
      Reviewed on Sep 21, 2017
    • ICICI Bank Personal Loan
      "Good overall"
      0.5 4.0/5 "Great!"
      The experience at ICICI Bank was not bad it was a good experience. I got the personal loan in a week. The only drawback was I have a rate of 12.69% mentioned my loan letter and that was the same interest rate I got earlier. But when I calculate the EMI, the rate is of 13%. Though it is not a bad rate, to what I had earlier, but it would have been better if it was a transparent deal. There were auto mandate charges of Rs. 200 to 300.
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      , hospet
      Reviewed on Sep 21, 2017
    • ICICI Bank Personal Loan
      "Good "
      0.5 5.0/5 "Blown Away!"
      I have approached ICICI bank for my personal loan. Their rate of interest was not up the mark which was 14-15% per annum so I have cancelled my application with them apart from that their customer service and responses was on time and immediate . My overall experience was good.
      Was this review helpful? 0
      , sonipat
      Reviewed on Sep 21, 2017
    • ICICI Bank Personal Loan
      "Average"
      0.5 2.5/5 "Just OK"
      Due to my personal reason, I have not take the personal loan with the ICICI bank. I would like to say that the response and other things are really fine and I dont have any issues with the ICICI bank till now.
      Was this review helpful? 0
      , ajmer
      Reviewed on Sep 21, 2017
    • ICICI Bank Personal Loan
      "Response part has to be improved"
      0.5 2.0/5 "Expected more"
      Bank response is not good, till now I didn't receive any call from ICICI for my personal loan process. But they already came and collected the documents on initial stage then there was no revert about the application status. I would like to suggest them to work on it.
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      , hyderabad
      Reviewed on Sep 21, 2017
    • ICICI Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      Actually the place where I located is not listed under the ICICI bank eligibility criteria, so that was the reason I haven't got the loan from ICICI bank. The customer service gave prompt response in regards to my personal loan application. The rate of interest is nominal with ICICI bank when compared with others.
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      , coimbatore
      Reviewed on Sep 21, 2017
    • ICICI Bank Personal Loan
      "Average service"
      0.5 5.0/5 "Blown Away!"
      I have already hold a loan with other bank do that was the reason I have not proceed with ICICI bank personal loan application. The customer service and the response was good with ICICI bank. The rate of interest which offered was nominal with ICICI bank.
      Was this review helpful? 0
      , jalandhar
      Reviewed on Sep 21, 2017
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    ICICI Gold Loan is Rated as "Great!" by 15189 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.

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