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  • ICICI Gold Loan is Rated as "Great!" by 16634 Users
    Personal Loan BYTES FROM OUR KITCHEN

    ICICI Gold Loan

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    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 5.0/5 "Blown Away!"
      Got the ICICI bank personal loan around 3 years ago. The customer support service is good with t he ICICI bank. The required loan amount has been approved and I am satisfied with it, the rate of interest and the charges are average with the ICICI bank. I am satisfied with the ICICI bank personal service,
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 23, 2018
    • ICICI Bank Personal Loan
      "Needs a lot Improvement"
      0.5 2.0/5 "Expected more"
      ICICI bank has offered me the pre approved loan.,but they asked me to submit the required documents to go with the personal loan , so that was the reason I haven't got the personal loan from the ICICI bank. The pre approved loan must be approved without any documents but the process is different with the ICICI bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 23, 2018
    • ICICI Bank Personal Loan
      "need to improve in service"
      0.5 4.0/5 "Great!"
      I requested for the personal loan from ICICI bank but my request got rejected and also they did not informed the reason for rejection about my personal loan. They offered me tenure loan for the period of three years and also they offered personal loan amount up to Rs 350,000. Interest rate is 14.9 % for my loan amount.
      Was this review helpful? 0
      , jaora
      Reviewed on Feb 23, 2018
    • ICICI Bank Personal Loan
      "Interest rate should be economical"
      0.5 5.0/5 "Blown Away!"
      ICICI gave me 14% of interest for the personal loan, it can be re look to reduce the interest. I took the loan of Rs. 5 lakhs for the tenure of five year, they charged some processing fee as well. I would like to suggest, bank should provide lower interest for Rs. 5 lakhs amount.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 22, 2018
    • ICICI Bank Personal Loan
      "Good"
      0.5 3.5/5 "Pretty good"
      I requested for the personal loan from ICICI bank for purchasing the vehicle. They provide Loan for the period of 2 years, they offered personal loan amount up to Rs 100000. I requested for floating rate of interest but they did not provide me the same.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 22, 2018
    • ICICI Bank Personal Loan
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I have taken a Personal loan with ICICI bank and the loan experience was very good. The loan amount was for Rs 50000 with the rate of interest of 5% which i got it in offer and it is less rate of interest when compared to other banks. Customer service was good and they provided door step service to collect the documents. The process was very smooth and the tenure of this loan is 3 years.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 21, 2018
    • ICICI Bank Personal Loan
      "Good"
      0.5 2.0/5 "Expected more"
      Rate of interest is huge one with the ICICI bank for the personal loan. I would like to say that the customer service have called me after one or two days of time. Everything is better one for me with the ICICI bank, also am really happy with them till now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 21, 2018
    • ICICI Bank Personal Loan
      "Below average"
      0.5 1.0/5 "Really Bad"
      I have a personal loan from Icici,the service is good with Icici. The rate of interest is 11.29 in the initial stage but they increase it to 11.99 which is high. The documents procedure has been smooth. The staffs are friendly in approach. It has been two months since, I have taken the service. As my company is not listed according to the bank criteria the amount they offered me is less, the service from Icici personal loan team is not as I expected.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • ICICI Bank Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have taken a personal loan from ICICI during the year 2006. The customer support is good with ICICI. I used to visit the branch directly it is good and staffs are friendly. The documents have been collected from my door step. It is an average service that I received from ICICI personal loan department.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • ICICI Bank Personal Loan
      "Better service"
      0.5 4.0/5 "Great!"
      I have my personal loan with ICICI bank. The loan amount was 1.5 lakhs and the Interest rate was 11.75% which is average in the market. The tenure period was 4 years and the loan process was very good. My overall experience was really good with ICICI Bank.
      Was this review helpful? 0
      , guwahati
      Reviewed on Feb 20, 2018
    • ICICI Bank Personal Loan
      "Good"
      0.5 2.0/5 "Expected more"
      Rate of interest is huge one with the ICICI bank for the personal loan. I would like to say that the customer service have called me after one or two days of time. Everything is better one for me with the ICICI bank, also am really happy with them till now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • ICICI Bank Personal Loan
      "Good"
      0.5 3.5/5 "Pretty good"
      I have taken my personal loan with ICICI bank 4 years back.The loan amount was 4 lakhs and the Interest rate was 16%which is very high than other banks.The tenure period was 48 months. The loan process was every good which is satisfactory . They have provided door step service for collecting documents .
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 17, 2018
    • ICICI Bank Personal Loan
      "Better"
      0.5 3.5/5 "Pretty good"
      I took my personal loan from ICICI Bank through online portal. It was a good experience. They charged more interest rate and the processing was 760 rupees. The documents are submitted online and its a paperless approval. They have disbursed the loan amount on the committed time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 16, 2018
    • ICICI Bank Personal Loan
      " ."
      0.5 3.5/5 "Pretty good"
      I took my personal loan through online channel. The loan disbursement was fine from ICICI BANK. Actually there was no requirement for the policies but they charged for the policy without any information. The rate of interest was good. The premium was paid through ECS.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Feb 16, 2018
    • ICICI Bank Personal Loan
      "Need to improve"
      0.5 1.0/5 "Really Bad"
      I have the personal loan with the ICICI bank and the interest rate is on higher end. Customer service is not good one ad the processing charges were on higher end. Responsiveness could be get improved as such. I am really happy with the ICICI bank.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 16, 2018
    • ICICI Bank Personal Loan
      "Looking best Interest"
      0.5 3.0/5 "Satisfactory"
      ICICI interest rate is high for the personal loan, though I am an existing customer of the bank. I didn't get any attractive interest. But the process was good, I got the loan amount within a week. The have foreclosure charges around 3000 to 4000.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 15, 2018
    • ICICI Bank Personal Loan
      "Good"
      0.5 5.0/5 "Blown Away!"
      I had a good experience with ICICI Bank on personal loan. The interest rate was average. They charged a processing fee. They took around a week for the disbursement. I had applied for 50K and the same I received. The loan duration is 3 years. Overall good
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Feb 15, 2018
    • ICICI Bank Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      My personal loan was taken with ICICI bank.The loan amount was 1 lakh and the Interest rate was 16.25% which is very high than other bank.The loan process was smooth and hassle free .They have provided door step service for collecting documents . My overall experience was good.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Feb 15, 2018
    • ICICI Bank Personal Loan
      "Fantastic"
      0.5 5.0/5 "Blown Away!"
      I have taken the personal loan with the ICICI bank and the customer service is good one like they have approved my loan within 24 hours of time. Everything is good one with the ICICI bank and I am really happy with the ICICI bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 15, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a Personal loan with ICICI bank and the experience was good. The loan amount was for Rs 90000 with the rate of interest of 14% which is nominal rate. The process was smooth and i received my loan amount on time. Customer service was good and they followed up on time. The tenure of the loan is 12 months.
      Was this review helpful? 0
      , noida
      Reviewed on Feb 14, 2018
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