Multiple banks. Different interest rates. Call it a "conflict of interest".
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  • ICICI Gold Loan is Rated as "Great!" by 16972 Users

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    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
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I took a personal loan from the ICICI bank for 4L for 4 years. It was good, the interest ate is high, there were charges. They need to provide personal loans at a competitive interest rate. The processing charges also should be minimized.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jul 20, 2018
    • ICICI Bank Personal Loan
      "Excellent"
      0.5 4.5/5 "Excellent!"
      My personal loan was taken with ICICI bank 3 years back. The loan amount was 2.5 lakhs and the interest rate was satisfactory . The EMI period was 5 years . The process was very good and they have sanctioned the loan wit the committed time,. They have even provided door step service for collecting documents.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Jul 18, 2018
    • ICICI Bank Personal Loan
      "Best service"
      0.5 5.0/5 "Blown Away!"
      Got my personal loan form icici bank , they instantly processed for documentation and approval process . Rate of interest is also nominal one compared to other banks, their customer service and response is good.Made payments through ECS .The tenure period is 3 years
      Was this review helpful? 3
      , chennai
      Reviewed on Jul 17, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      Its instant paperless approval personal loan which i got from icici bank. Based on the number of transaction which i made with icici. As the rate of interest is satisfactory but it is acceptable based on our urgency. Their customer service is way good an response was quick .I have chosen the tenure period of 5 years and there is nil processing fees.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jul 17, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a personal loan with ICICI bank and my loan experience was good, the loan amount was for Rs 2 lakhs with nominal interest rate when compared to other banks. I received my loan amount on time and there are no preclosure charges. The tenure period for this loan is 2 years.
      Was this review helpful? 5
      , ahmedabad
      Reviewed on Jul 12, 2018
    • ICICI Bank Personal Loan
      "Go for it"
      0.5 5.0/5 "Blown Away!"
      ICICI is extremely is good in all their products. I have purchased this personal loan 4 months back. They have provided me interest rate 14.75% which is very nominal and processing fee is Rs. 2000. I used to pay the EMI of Rs. 4850. Actually i have applied two times with ICICI due to credit score it got rejected for the first time and the second time it got approved. They are providing the excellent customer care services.
      Was this review helpful? 3
      , surat
      Reviewed on Jul 12, 2018
    • ICICI Bank Personal Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      The process in getting this loan from them had been good and the loan amount which they had provided had been satisfactory. The interest rate has not been too much high or too much low when compared with the market. There has not been any issues faced and their customer support also had been very good where they had been helpful at times.
      Was this review helpful? 2
      , bangalore
      Reviewed on Jul 12, 2018
    • ICICI Bank Personal Loan
      "Above average service"
      0.5 2.0/5 "Expected more"
      I have taken a personal loan from the ICICI bank for 3 lacs. There were hidden charges, The interest was also higher, overall it hasn't been a good experience taking personal loan from the ICICI bank. They need to get ride of additional hidden charges.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jul 11, 2018
    • ICICI Bank Personal Loan
      "Very good"
      0.5 4.0/5 "Great!"
      My personal loan was taken with ICICI bank 1 year back. The loan amount was 3,20,000 and the interest rate was but high than other banks. The tenure period was 4 years . The customer service and responses was up to the mark. I had a smooth documentation also. The processing fee was also nominal.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 11, 2018
    • ICICI Bank Personal Loan
      "Good Service"
      0.5 4.5/5 "Excellent!"
      I've taken a personal loan from the ICICI bank for 4 Lacs, I got the loan with in week, the interest rate is low. I am paying an EMI of 9000 per month. It has been a pleasant loan experience with the ICICI bank. I never faced any issues during the application.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 10, 2018
    • ICICI Bank Personal Loan
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I took a personal loan from the ICICI bank for 1.5 lacs. The interest rate was pretty high when comparing to other loan experiences I have and other than that there were no issues with the loan experience. They need to lower their interest rates and keep it in par with the market rate.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 10, 2018
    • ICICI Bank Personal Loan
      "Easy to get a loan"
      0.5 4.0/5 "Great!"
      I have got a insta loan service against the ICICI credit card. The customer care servicer is awesome. I have purchased this insta loan in the year of February 2017. I have got a loan amount of 2 lakhs. They have offered me a interest rate of 13% and processing fee is 2.5%. I used to pay the EMI amount of Rs. 9800 every month. Its easy to get a loan from ICICI. I did not provided any documents for this loan. Within 4 working days i have received the loan. We can foreclose this loan without any charges.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Jul 10, 2018
    • ICICI Bank Personal Loan
      "Average services"
      0.5 2.0/5 "Expected more"
      This service is so long. Its a time taking process. There is no proper response form the bank as well as the customer care. I have applied the loan amount of around 2 lakhs. They have offered me a interest rate of 12.5%. They have provided me a 1.80 lakhs they have demanding for many documents many times. The executive already collected the documents even though they have asked me to submit the documents thats the main reason i refused the loan. Still now they have not return my documents of PAN card, Aadhar card and cheque
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jul 10, 2018
    • ICICI Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I had a plan to take my home loan with ICICI bank but simultaneously i am looking for some other sources also.I am looking or 30 lakhs loan mount here . Their customer service and responsiveness was really satisfactory so its recommendable.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jul 07, 2018
    • ICICI Bank Personal Loan
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have my personal loan application approved with ICICI bank and my experience was good, the loan amount was for Rs 1 lakh with 11% interest rate which is nominal rate in the market. Customer service was good and they followed up on time. The tenure for this loan is 5 years.
      Was this review helpful? 0
      , ulhasnagar
      Reviewed on Jul 06, 2018
    • ICICI Bank Personal Loan
      "Not satisfied"
      0.5 3.0/5 "Satisfactory"
      My application with ICICI bank for personal loan was rejected, the reason why the application was rejected is because my salary is less than Rs 15000. Customer service was good and their response was prompt. The rate of interest was nominal when compared to other banks.
      Was this review helpful? 0
      , amritsar
      Reviewed on Jul 06, 2018
    • ICICI Bank Personal Loan
      "Average"
      0.5 3.0/5 "Satisfactory"
      I had a plan to taken my personal loan with ICICI bank. My application was rejected due to my low salary . Their customer service and responsiveness was not good at all.I was looking for 1 lakh loan amount here .My overall experience was average .
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 06, 2018
    • ICICI Bank Personal Loan
      "Needs to improve on customer service"
      0.5 1.0/5 "Really Bad"
      I have applied for the personal loan from ICICI bank, my loan application was closed because there was no proper response from the customer service of ICICI bank. They collected documents but after that there was no follow up done. The rate of interest was little high when compared to others.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jul 06, 2018
    • ICICI Bank Personal Loan
      "Documentation process very bad"
      0.5 5.0/5 "Blown Away!"
      I have applied a personal loan of 4 lakhs but it got rejected due to the salary structure. They were looking for a salary around 40 K. They have provided me a interest rate of 9.2% to 10%. They told me that about the normal processing fee which is 1700. I have applied the loan 2 months before. The documentation i have done through online. I never called the customer care service of ICICI. They have not intimated about the eligibility salary amount before collecting the documents.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 06, 2018
    • ICICI Bank Personal Loan
      "Not satisfied"
      0.5 2.0/5 "Expected more"
      I have applied for the personal loan from ICICI bank, the loan application was closed because of the salary issue, the salary is less than the expected to meet the eligibility. Customer service was not up to the mark with ICICI bank and the rate of interest of 16% is way high when compared to others.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Jul 06, 2018
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