Gold Loan – Apply @ 11.88% p.a*
A Gold Loan is a secured loan where you pledge your gold jewellery as collateral to get funds. It offers a quick and hassle-free way to meet urgent financial needs, whether personal or business, without the need to sell your gold. With loan amounts linked to the current gold price and lower interest rates starting from 11.88% p.a., Gold Loans are a popular financing option in India due to their minimal documentation, quick loan approval and easy disbursements.
Gold Loan Features
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Quick loan disbursal: Get your Gold Loan amount disbursed within just a few hours.
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Only 1-time branch visit: Only 1-time branch visit: One visit is enough to avail a Gold Loan.
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Gold Loan at Home: Get your gold valuation and loan disbursement at your doorstep, available in major Indian cities.
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Minimal documentation: Submit basic KYC documents only, no lengthy paperwork required.
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Flexible Repayment Options: Interest due dates follow your chosen schedule; pay only interest during the loan and principal at the end.
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No credit score required: Your loan is approved against the security of your gold, so your CIBIL score is not checked, except in certain cases.
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Attractive Interest Rates: Starting at 11.88% p.a.
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High LTV (Loan to Value) Ratio: Get up to 75% of your gold’s value as a loan.
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Hassle-free Loan Processing: Streamlined loan processing with minimal documentation, quick verification and loan approval.
Gold Loan Fee and Charges
With transparent fee structure and zero hidden charges, IIFL Finance Gold Loan is one of the most affordable and go-to options for our customers to fulfill their capital requirement needs. Following are the fee and charges listed:
- Interest Rate
0.99% onward p.m.
(11.88% - 27% p.a.)Gold Loan Interest 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
- Auction Charges
₹1500.00
- Overdue Notice Charge
₹200.00 (Per Notice)
How To Apply For Gold Loan
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Fill the Online Form : Submit your details online and book an appointment at your preferred branch or your doorstep.
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Visit the Branch : Walk in with the gold you want to pledge.
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Submit Documents : Provide your ID and address proof for verification.
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Get Quick Approval : Gold is evaluated on the spot and the loan is disbursed quickly.
Calculate Loan Amount Against Gold (Rates as on 23 August 2025)
*The market value of your gold is calculated by taking the 30-day average gold rate of 22-carat gold | The purity of the gold is assumed to be 22 carats.*
*You can avail a maximum loan of up to 75% of the market value of your gold, depending on the quality of the gold.*
How to use a Gold Loan Calculator?
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Enter the weight of your gold (in grams or kilograms)
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Click the Refresh button
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View the eligible loan amount instantly
Note:-
The calculator assumes your gold is of 22-carat purity. Ensure your gold matches this for accurate results.
The loan amount is based on the 30-day average market rate of 22-carat gold.
Gold Loan Amount & Valuation
You can get a loan against gold starting from Rs 3000 onwards. The Gold Loan amount depends on the gold valuation, based on the purity of the pledged gold (assumed to be 22 Karat). Its market value is calculated by taking the 30-day average gold rate of 22 Karat gold. First, experts assess the quality. Then, the Gold Loan amount is determined according to the RBI’s guidelines which is up to 75%.
Step-by-Step Gold Loan Process
Applying for a Gold Loan with IIFL Finance is a simple process designed to provide quick and secure access to funds against your gold jewellery.
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Submit Your Application: Complete the application form either online or by visiting an IIFL branch.
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Gold Assessment: Your gold jewellery is carefully evaluated at the branch or at your doorstep, ensuring a secure and accurate valuation.
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Loan Approval: After the assessment and verification are complete, you will receive confirmation of your loan approval.
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Funds Disbursal: The sanctioned loan amount is disbursed to your account quickly for your convenience.
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Repayment: Repay the loan according to your selected repayment plan, providing flexibility and ease.
This systematic approach ensures a seamless borrowing experience while maintaining the high standards of security and transparency.
Gold Loan Repayment Options
IIFL Finance offers flexible Gold Loan repayment options to make lending against gold stress-free. With IIFL Finance Gold Loan, you can avail of:
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Repayment Modes:The interest-only repayment mode is available.
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Digital Payment Support: Payments can be made via UPI, net banking and with payment links provided for convenience.
Gold Loan Eligibility Criteria
Explore the eligibility criteria to apply for a Gold Loan with IIFL Finance.
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You must be between 18 and 70 years of age at the time of loan disbursement.
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Applicants can be salaried, no salaried, self-employed, or non-salaried individuals.
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You must own the gold you are pledging.
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Only gold jewellery is eligible as collateral; gold coins and bars are not accepted for pledge.
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Gold purity must be between 18 and 22 karats.
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Valid KYC documents include the Aadhaar card and PAN card.
Documents Required for Availing Gold Loan
A gold loan borrower must submit one of the following document as part of the Reserve Bank of India’s “Know Your Customer” (KYC) norms:
Identity & Address Proof
- Aadhaar Card
- Valid Passport
- PAN Card
- Valid Driving Licence
- Voter ID Card
Benefits of a Gold Loan with IIFL Finance
Experience a reliable and efficient Gold Loan offering with IIFL Finance, recognised for its commitment to security, convenience, and customer-centric solutions across India.
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No income proof or credit score required for loan approval.
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Quick access to funds without parting with your gold, meeting financial needs while retaining ownership.
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Secure and insured storage of your pledged gold for maximum safety.
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Attractive interest rates are lower than those of unsecured loans.
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Multiple repayment options with flexible tenure choices to suit your convenience.
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A trusted network of over 2,800 branches spanning 25 states for your ease of access.
Choose IIFL Finance for a secure, swift, and transparent Gold Loan experience designed to meet your financial requirements with confidence.
Gold Loan FAQs
You can get a maximum loan up to 75% of the market value of your gold depending on the quality of the gold.
A Gold Loan is a secured loan in which you pledge gold jewellery (18-22 karat) as collateral to obtain funds.
Yes! It is completely okay to take a loan on your gold as the gold sits in storage anyway, it can be utilized effectively to meet your capital requirements.
Yes, you can only pay the gold loan interest amount and pay the principal amount later at the end of the loan tenure.
You should apply for a gold loan when you require funds for purposes such as education, marriage, etc
The lender evaluates your pledge gold 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 safe. Once you have repaid the principal amount along with interest, you get back the gold from the lender.
Yes, a gold loan can be closed anytime subject to clearance of all dues, including interest, principal and any other applicable charges.
There are various payment methods available for the repayment of gold loan like visiting IIFL Finance’s physical branches or through our online repayment options such as Quickpay, Bank transfer or UPI apps
The minimum limit to avail a gold loan at IIFL Finance is Rs 3,000 or the value of 1gm gold on that particular day, whichever is higher
No guarantor is required to apply for a gold loan.
You can get back the pledged gold (jewelry or ornaments) as and when you clear all the pending dues i.e., interest, principal or any other charges, if applicable.
The ornaments includes items like rings, necklaces, bracelets, earrings, pendants, etc
Getting a gold loan immediately through IIFL Finance is easy. Visit any of our nearest branch or click on the ‘Apply Now’ button on our app or website and fill in the required details as per the form
Gold loans are flexible and include the option of repaying through EMIs
Any person between 18-70 years of age and has a valid Identity and address proof.
Getting a gold loan from IIFL Finance is super easy! Click on the ‘Apply Now’ button mentioned above and fill in all the required details to get a loan approved in 5 minutes.
- Start by filling in your details and hit ‘Apply Now’
- Enter the OTP sent to your phone to verify your number
- Select your city and type in your PIN code
- Choose the branch closest to you and book your appointment
The gold loan is calculated based on the quality of the pledged gold and its market value in the domestic physical market. You can also use the gold loan calculator on IIFL Finance’s website to see how much loan you get against weight of the gold. You just have to enter the weight of the gold and the calculator will return the maximum amount you can borrow on it. The market value of the gold is calculated by taking 30 days average gold rate of 22 karat gold.
You can go through our website for any queries on low-interest gold loans or gold loan offers. Alternatively, you can get in touch with our customer service staff by calling on 7039-050-000 for any type of queries on gold loan finance.
Yes, IIFL Finance provides its customers to apply & get a gold loan at home.
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More than 8 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
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