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Gold Loan Eligibility Criteria

From loan application to disbursement, the IIFL Finance gold loan process is streamlined in order to make it simple for applicants to get a loan without any hassle. You can apply for a gold loan online or by visiting any of our 2,700+ branches across India.

Following is the Eligibility criteria for getting a gold loan through IIFL Finance:

Applicant Details

Any customer with minimum age of 18 years and maximum age of 70 years.

Gold Purity

IIFL Finance provides loan on gold purity of 18 carats to 22 carats.

Maximum loan to value ratio (LTV ratio)

IIFL Finance provides a loan of maximum 75% of the value of the gold pledged.

How To Apply For Gold Loan At Home

Why Should You take a Personal Loan from IIFL?‌
How to Get a Gold Loan at Your Doorstep?

In this video, we explain the process of taking a gold loan at the comfort of your home. Gold loans can be availed while sitting at home, with just a few clicks. Gold loans are fast becoming one of the most preferred ways of borrowing money in India. Banks and non-banking finance companies (NBFCs) provide gold loans almost instantly and with very little paperwork. A gold loan is a secured advance that can be availed by pledging jewellery. This pledged gold is the collateral that a borrower offers against the loan, and can be forfeited for non-payment of principal and interest.