Gold Loan
Fulfil all of your business or personal requirements instantly with IIFL Gold Loan using your physical gold or gold jewellery. With IIFL’s Gold loan, you get industry-best benefits through our process designed to offer instant funds based on the value of your gold. Our loan process is customer-oriented, and faster and ensures that you do not have to go through lengthy and time-consuming loan application processes.
IIFL’s loan against gold comes with the attractive, affordable, and lowest interest rates to help you raise funds instantly. The gold loan process is customised to offer unique and comprehensive features to cater to all of your capital needs.
If you are looking for a simplified and ideal way to raise funds, apply for an IIFL Gold loan!
Gold Loan Calculator
*The market value of your gold is calculated by taking 30 days average gold rate of 22 carat gold | Purity of the gold is assumed at 22 carat.
*You can avail a maximum loan of up to 75% of the market value of your gold depending on the quality of the gold.
Gold Loan Fee and Charges
IIFL Finance Gold Loans benefits you with the lowest fees and charges, making it the most affordable and convenient for our customers. With the transparent fee structure and no hidden charges, you should not worry about the hidden costs incurred after applying for the gold loan with IIFL Finance. The fee and charges are listed in the table below:
- Interest Rate
0.99% onward p.m.
(11.88% - 27% p.a.)Rates vary according to the loan amount and repayment frequency
- Processing Fee
₹0 onwards
Varies depending on scheme availed
- MTM Charges
₹500.00
Valuing an asset to reflect its current market rate
What is Gold Loan?
A gold loan is a financial instrument that allows borrowers to leverage their physically held gold in the form of gold bars, coins or jewellery as collateral to secure a loan from a lender. Gold loan meaning is attributed to the process of securing a loan by pegging gold articles in the range of 18-24 carats. The lender keeps the gold articles as collateral and provides funds based on the value of the gold, typically up to 75-90% of the carat value and the current market value of domestic physical gold.
Interest rates on such loans vary and include a nominal processing fee ranging from 1-3% of the loan amount. The process to secure a loan against gold is similar to the process of other types of loans where the borrowers have to apply and submit personal documentation such as PAN Card, Aadhar Card, Voter ID Card etc.
Such loans are designed to fulfil the short-term capital requirements with a tenure ranging from 1 month to 5 years. The lender charges a predefined interest rate on the amount given as a loan and once the borrower repays the principal amount along with the interest, the lender returns the gold articles held as collateral. Unlike Home Loans or Car Loans, there are no restrictions on the end-use of the funds.

Why Avail a Gold Loan
from IIFL Finance?
IIFL Finance is India’s leading finance and investment service provider that provides a wide range of customised financial products and services. IIFL Finance’s gold loan is a distinctive financial product that allows borrowers to avail of a loan by utilising their gold jewellery and articles. The process is designed to be straightforward, with zero hidden costs and an interest rate as low as 1% per month.
IIFL offers a host of gold loan schemes with the following features:
- Avail of a loan against gold within 30 minutes of application without waiting for a long time for loan disbursal.
- Get the maximum possible value for your gold jewellery and articles to secure the highest possible loan amount.
- Enjoy utmost peace of mind for your gold as it is kept safe in specialised rooms and backed by credible insurance.
- No hidden costs with utmost transparency in fees which are communicated in detail at the time of application.
- Customised schemes as per the borrower to ensure you raise enough funds to meet all of your capital requirement needs.
How to Get a quick Gold Loan

Walk into any IIFL Gold Loan branch with your gold.
Find Nearest Branch
Provide your ID proof, address proof and gold to get an instant approval
Documents Required
Simple process and in-house gold valuation ensures that you get the loan amount in your account or in cash
More than 6 million happy customers
When I visited IIFL Finance it just took a few minutes to process the loan and the process was very transparent. I have advised my friends to get their gold loans from IIFL.

Venkatram Reddy
I recommended IIFL Finance, the process is very fast. The staff is friendly and gives good suggestions on the schemes which are beneficial.

Vishal Khare
IIFL Finance's customer friendly approach is what I liked. They are so transparent in their dealings. I look forward for my future association with them.

Pushpa
I have been taking Gold Loan from IIFL Finance for quite some time now. I get good services and right value for my Gold Loan.

Manish Kushawah
Customer Support
Gold Loan FAQs
The lender evaluates your provided gold articles and gives the loan amount based on a certain predefined percentage of the total value of your gold based on the current market value. The lender charges interest on the loaned amount and keeps the gold articles safe. Once you have repaid the principal amount along with interest, you get back the gold articles from the lender.
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