Multiple banks. Different interest rates. Call it a "conflict of interest".
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    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.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 14353 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    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 Personal Loan Offers

    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
      "Good Service"
      0.5 2.0/5 "Expected more"
      The ICICI bank executive asked to submit the bank statements to process with the personal loan, but I can't submit the bank statements,so that was the reason I haven't proceed with ICICi bank personal loan. The customer service and the response was good with ICICI bank. The rate of interest was nominal with ICICI bank. The service with ICICI was good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 27, 2017
    • ICICI Bank Personal Loan
      "Interest rate should be flexible as per the market"
      0.5 3.0/5 "Satisfactory"
      I had experienced a time lag with ICICI bank as they have taken some time to collect the documents, finally they disbursed the amount. I took the amount of Rs.1 lakhs with 16.99% of interest it is high compared to other bank. My loan tenure is for three years but I can do the preclosure after six months, however I should pay the charges of 5% from the principal amount.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 27, 2017
    • ICICI Bank Personal Loan
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I have informed ICICI executive that there is no loan requirement at present as I got loan with Axis bank, that was reason I haven't proceed with ICICI bank loan. The Rate of interest was high with ICICI bank. The customer service and the response was good with ICICI bank. They need reduce the interest rate and processing fee.
      Was this review helpful? 0
      , kakinada
      Reviewed on Jun 27, 2017
    • ICICI Bank Personal Loan
      "Response part has to be improved"
      0.5 1.0/5 "Really Bad"
      I was not received any proper response from ICICI, initially I got some couple of calls their executive came and collected the documents. Finally there was no response and I am not aware what was the reason ICICI have rejected my application. I have applied personal loan on 29th of may but still there was no response from them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 27, 2017
    • ICICI Bank Personal Loan
      "Good Service"
      0.5 2.0/5 "Expected more"
      The ICICI bank offered me a very high interest rate in regards with my personal loan application. That was the reason I haven't proceed with ICICI bank loan. The rate of interest need to be reduced with ICICI bank. The customer service with ICICI bank was good. The response was also good with ICICI bank.
      Was this review helpful? 0
      , varanasi
      Reviewed on Jun 27, 2017
    • ICICI Bank Personal Loan
      "Its Average"
      0.5 4.0/5 "Great!"
      ICICI bank told me my credit score is low hence they have rejected my personal loan application. I didn't get any alternate option to take loan from them. ICICI service is good they called and explained about the loan process . Interest rate is also nominal as per the market.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 27, 2017
    • ICICI Bank Personal Loan
      "Need Improvement"
      0.5 4.0/5 "Great!"
      I got the Personal loan from ICICI bank. They almost took 1 month to process my loan. They have collected all the documents within the time limit. Its already a pre approved loan provided by ICICI bank but the disbursement was done after a month. The rate of interest was high, when compared with others. If ICICI bank is transferring the loan with HDFC bank they are ready to offer for 11% interest rate, which needs to be improved with ICICI.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 27, 2017
    • ICICI Bank Personal Loan
      "Need Improvement"
      0.5 4.0/5 "Great!"
      I didn't get the loan from ICICI bank, because they haven't given a proper response in concern to my personal loan application. The ICICI executive gave a call and explained me about the product and after they told they will come and collect the documents but I have never received any call or mails from ICICI bank. The rate of interest is nominal with ICICI bank. The ICICI need to be improve on their service part.
      Was this review helpful? 0
      , haridwar
      Reviewed on Jun 27, 2017
    • ICICI Bank Personal Loan
      "Its Excellent"
      0.5 5.0/5 "Blown Away!"
      I have arranged the fund through other source hence I don't have requirement to take personal loan from ICICI. But they gave immediate and prompt service on the loan process. In future if I need any loan, definitely I will approach ICICI again.
      Was this review helpful? 0
      , nellore
      Reviewed on Jun 27, 2017
    • ICICI Bank Personal Loan
      "Not Happy"
      0.5 1.0/5 "Really Bad"
      I had received good response during the personal loan process with ICICI bank. But I am facing some challenges with the bank. I could not process my ECS with HDFC bank due to some sign mismatch, when I checked with ICICI bank they directed me to HDFC bank, when I checked with HDFC bank they directed me to ICICI bank. At last I explained my situation to ICICI bank where they are told me that they would get back to me in 2 hours but it is more than 2 days, still no response from them.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 27, 2017
    • ICICI Bank Personal Loan
      "Average Service"
      0.5 2.0/5 "Expected more"
      ICICI bank has rejected my personal loan application. I have already informed that I get the salary through cheque. After the documents collection ICICI have cancelled my application saying that I am not eligible to get the loan because as I am getting the salary through cheque. I have personally met their officer and submitted all my documents. The rate of interest is nominal with ICICI bank. The customer service offered by ICICI Bank is very much average.
      Was this review helpful? 0
      , kurukshetra
      Reviewed on Jun 27, 2017
    • ICICI Bank Personal Loan
      "Average"
      0.5 3.0/5 "Satisfactory"
      Due to salary criteria I could not take the personal loan from ICICI Bank. They contacted me on time and informed me the details. The interest rate and processing charges was on the higher side. Overall it was an average experience with the bank.
      Was this review helpful? 0
      , guntur
      Reviewed on Jun 27, 2017
    • ICICI Bank Personal Loan
      "Satisfactory"
      0.5 4.5/5 "Excellent!"
      ICICI Bank initially were not at all ready to give the personal loan and informed me that my credit score is low, when I had a decent score. After couple of days they called back and said I am eligible for a loan of one lakh when I needed 2.95 lakh. I am happy that they have given me the loan at the time of need.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 25, 2017
    • ICICI Bank Personal Loan
      "Unhappy with the services"
      0.5 1.0/5 "Really Bad"
      After I had applied for a personal loan with ICICI Bank. There was a response and they informed me the details. I was told that they are unable to process the loan because of the salary criteria and with that they hung up on the call. The interest rate and charges were really high.
      Was this review helpful? 0
      , tiruchirapalli
      Reviewed on Jun 25, 2017
    • ICICI Bank Personal Loan
      "High on ROI & good services"
      0.5 5.0/5 "Blown Away!"
      I could not go ahead with ICICI Bank for the personal loan is because, I did not have the current address proof. The services are good and they were on time to contact me and inform me the details. The rate of interest was very high, it was around 15% and the processing charges were on the higher side too.
      Was this review helpful? 0
      , kota
      Reviewed on Jun 25, 2017
    • ICICI Bank Personal Loan
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      I did not go ahead for the personal loan at ICICI Bank because I went ahead with another bank. The deal was good and the services as well. Just that I got the other offer a day earlier. There were couple of follow up calls and overall I have no issues.
      Was this review helpful? 0
      , pondicherry
      Reviewed on Jun 25, 2017
    • ICICI Bank Personal Loan
      "Average"
      0.5 4.0/5 "Great!"
      I did not receive a proper response from ICICI Bank for the personal loan. They have delayed in contacting me and giving me the details. They bank was also high on the rate of interest and processing charges. So I did not take the loan from them.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 25, 2017
    • ICICI Bank Personal Loan
      "Need improvement in customer services"
      0.5 1.0/5 "Really Bad"
      ICICI Bank initially contacted me and informed me the details for the personal loan. Later there were no calls and the application was declined as well. I was not informed about the same and the reason why it was declined. The interest rate and charges was normal.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 25, 2017
    • ICICI Bank Personal Loan
      "Unhappy with the services"
      0.5 2.5/5 "Just OK"
      It has not been a good experience for me at ICICI Bank. I applied for the personal loan through an online channel and I was told by them that the loan was approved and I would be getting the fund. But the bank refused the loan at the last moment and rejected it without giving me any information.
      Was this review helpful? 0
      , kochi
      Reviewed on Jun 24, 2017
    • ICICI Bank Personal Loan
      "High on ROI & good services"
      0.5 3.0/5 "Satisfactory"
      The service provided was really good by ICICI Bank and the process was on time. I received the personal loan within five days. The bank was high on the rate of interest, it was around 14%. The processing charges were also high. The documents were collected on time as it was promised as well.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 24, 2017
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