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    ICICI Gold Loan

    We found 1 ICICI Gold Loan

    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    11.00% - 17.99% Fixed
    2.25% (min. ₹1149) One time fee
    20L Max
    1-5 Years
    Response Time Within 30 minutes
    Rs.1000 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 13980 Users

    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.

    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
      "Prompt service"
      0.5 5.0/5 "Blown Away!"
      ICICI bank offered high interest rate for the personal loan which is 12.75%. Th services are very prompt and they are really good in processing the loan application. I did not have any issues with them in the entire process. All things went good with them.
      Was this review helpful? 0
      , pune
      Reviewed on May 27, 2017
    • ICICI Bank Personal Loan
      "Unhappy with the banking services"
      0.5 1.0/5 "Really Bad"
      I had applied for a personal loan with ICICI bank and it was not up to the mark. The customer support needs to be more professional and though I received a response, I am not happy with the overall services. I did not go to the extent to talk about the interest rate and charges.
      Was this review helpful? 0
      , raipur
      Reviewed on May 27, 2017
    • ICICI Bank Personal Loan
      "Good in response"
      0.5 5.0/5 "Blown Away!"
      I did not go ahead with ICICI bank for the personal loan as I arranged the funds through another source. The services was prompt and they informed me all the details and also checked on my requirement. The interest rate and processing charges was average.
      Was this review helpful? 0
      , delhi
      Reviewed on May 27, 2017
    • ICICI Bank Personal Loan
      "Better Service"
      0.5 3.0/5 "Satisfactory"
      The responses and customer service are good with ICICI bank. Recently I approached the bank for the personal loan. I am not ok with the processing fee and the loan process. They are taking some more time. Hence I closed the loan application with them.
      Was this review helpful? 0
      , kolkata
      Reviewed on May 27, 2017
    • ICICI Bank Personal Loan
      "Excellent job done"
      0.5 5.0/5 "Blown Away!"
      I would appreciate Mr. Hari from ICICI Bank as he was excellent in the process. He done a great job for me and helped me get the disbursement on time. The overall experience was good for the personal loan, as I also got a reasonable rate of interest and the processing charges was normal too.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 27, 2017
    • ICICI Bank Personal Loan
      "Good in response"
      0.5 5.0/5 "Blown Away!"
      Since my requirement was met through another source, I did not go ahead for the personal loan at ICICI Bank. But the services and the response was excellent. They were on time and they also had a good deal on the interest rate and processing charges.
      Was this review helpful? 0
      , panchkula
      Reviewed on May 27, 2017
    • ICICI Bank Personal Loan
      "Not happy with the services"
      0.5 1.0/5 "Really Bad"
      ICICI Bank has not been up to the mark for the personal loan. They contacted me initially and informed me the details for the loan. After which they were supposed to follow up but there were no calls. So I went ahead with another bank. The interest rate was on the higher side.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2017
    • ICICI Bank Personal Loan
      "Good in Response"
      0.5 5.0/5 "Blown Away!"
      I had submitted my personal loan application with ICICI bank through online source. But then I did not take the loan as I cleared my requirement by my own. I received good response from the bank for my loan application and their customer service is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 27, 2017
    • ICICI Bank Personal Loan
      "Loan process has to be changed"
      0.5 4.0/5 "Great!"
      I had already salary account within ICICI for 15 years, on the loan process they came and collected all the documents but still they kept asking many documents. Being an existing customer there is no necessary to collect my documents but even after collecting also they gave inconvenient service. Hence I didn't proceed further with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 27, 2017
    • ICICI Bank Personal Loan
      "Clear process"
      0.5 5.0/5 "Blown Away!"
      My earlier experience with ICICI Bank was excellent for the personal loan. The process was clear and the team was consistent in the details they provided. I got the loan on time and as required. The overall experience was good even after the loan got disbursed.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 27, 2017
    • ICICI Bank Personal Loan
      "Not consistent in rates"
      0.5 3.0/5 "Satisfactory"
      There were a lot of confusion with ICICI Bank for a personal loan. I was initially told that the interest rate was around 12% instead of 11.59%. I was taking a balance transfer loan and the rate for that was actually 11%. So I cancelled my application and when ahead with another bank.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 27, 2017
    • ICICI Bank Personal Loan
      "Not Satisfactory"
      0.5 2.0/5 "Expected more"
      ICICI bank were ready to provide the personal loan for 3.5 lakhs but I was in a need of nearly 5 lakhs. When I approached other banks they agreed to give the loan up to 6 lakhs but ICICI not ready to provide as per my requirement. Hence I cancelled the loan application. Their way of approach is also not good, I had not received good response from the bank.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2017
    • ICICI Bank Personal Loan
      "Loan proess has to be improved"
      0.5 1.0/5 "Really Bad"
      Initially ICICI committed interest rate would be 11.59% but when I was processing my application they gave the interest rate around 17 to 19% it is high. Their customer care didn't give clear information about the loan process, they are not transparent. Hence I requested them to close the application.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 27, 2017
    • ICICI Bank Personal Loan
      "Average experience"
      0.5 2.0/5 "Expected more"
      I did not go ahead with ICICI bank because the bank was not meeting my requirement. I had applied for six lakhs and the bank was offering me three lakhs, because I was trying other banks simultaneously which is quite normal with all customers when they apply for a personal loan.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2017
    • ICICI Bank Personal Loan
      "Response part has to be improved"
      0.5 2.0/5 "Expected more"
      I have applied for personal loan in ICICI for the amount of Rs. 2 lakhs, I have received only one call from them, then that executive said they will get back but there was no from them. Finally I checked my application status it was closed, without informing ICICI closed my loan application.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 26, 2017
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      The ICICI bank interest rate are really high when compared with other banks, that was the reason I haven't got the personal loan with ICICI bank. The response and the customer service was good with ICICI. I would like to suggest to decrease the interest rate in future. Overall, I am satisfied with the ICICI service.
      Was this review helpful? 0
      , patna
      Reviewed on May 26, 2017
    • ICICI Bank Personal Loan
      "Its Awesome"
      0.5 5.0/5 "Blown Away!"
      Previously there was a need, hence I applied for the personal loan then I don't have requirement to take loan. Therefore I denied to avail loan from ICICI. Their service is good they confirmed me all the loan process and they kept updated about the interest rate and other charges too.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 26, 2017
    • ICICI Bank Personal Loan
      "Need to improvement with customer support "
      0.5 1.0/5 "Really Bad"
      I have sent mails and try calling and reaching ICICI customer service to know about my personal loan application status. N one gave any response from their end. There was no response from ICICI end, hence I did not proceed with them. Overall I would like to say ICICI need to concentrate with the customer support.
      Was this review helpful? 0
      , dwarka
      Reviewed on May 26, 2017
    • ICICI Bank Personal Loan
      "Loan process should be faster for an existing customer"
      0.5 4.0/5 "Great!"
      I am very fine with ICICI service because I am an existing customer of it. Their interest rate is also good but service was getting delay. I was an emergency situation, hence I approached other bank for the personal loan process and I got the disbursement.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 26, 2017
    • ICICI Bank Personal Loan
      "DISSATISFIED"
      0.5 1.0/5 "Really Bad"
      ICICI bank did not contacted me properly during my personal loan process with them. And I actually needed an immediate loan of 1 lakh and since the bank did not respond me at the right time I just dropped my loan process I wasn't having my payslips so they said they cannot process my loan and the documentation part bank executive did not explained me anything about it in fact I have asked them in all in detail
      Was this review helpful? 0
      , udaipur
      Reviewed on May 26, 2017
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