Gold Loan

Fulfil all of your business or personal requirements instantly with IIFL Gold Loan using your 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

Find out the amount you will receive against your gold jewellery
gms kg
Rate Calculated @ / Gm

*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.

0% Processing Fee

Apply Before May 1st 2019

Benefits of IIFL Gold Loan

How to get a gold loan that will offer you the desired benefits?

The IIFL Finance Gold loan is a one-stop solution for all your capital needs. The loan process is designed to offer industry-best benefits to ensure you enjoy a hassle-free loan application and disbursal process within 30 minutes of application. When you apply for an online gold loan with IIFL Finance, you get the following unique benefits:

Gold Pledged is
Secured and Insured
Loan Approval in
Few Minutes
Quick Loan
Meet your requirements with
Minimum documentation

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


    Valuing an asset to reflect its current market rate

  • Auction Charges


    Auction Intimation Charges: 200

What is Gold Loan?

A gold loan is a financial instrument that allows borrowers to leverage their physically held gold 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 with minimum range of 18 carats. The lender keeps the gold articles as collateral and provides funds based on the value of the gold, typically up to 75% 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 depending on the gold loan loan scheme. 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 12 month to 24 month. 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.

What is Gold loan

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 have presence through 2,668 branches in India where customer can either visit to nearest branch or opt for gold loan at home service and our digital channels makes the whole process of availing gold loan customer-oriented.

IIFL Finance’s seedhi baat, or straight talk, approach ensures total transparency regarding the interest rates, processing charges and other terms of the jewel loan agreement. Moreover, your pledged jewellery is kept in secure vaults and is insured.

IIFL offers a host of gold loan schemes with the following features:
  • Receive a loan against gold with fast disbursal, without having to wait for an extended period after submitting your application.
  • 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

Find Your Nearest Branch - IIFL Finance

Walk into any IIFL Gold Loan branch with your gold.

Find Nearest Branch
Documents Required Icon - IIFL Finance

Provide your ID proof, address proof and gold to get an instant approval

Documents Required
Simple Process Calculator - IIFL Finance

Simple process and in-house gold valuation ensures that you get the loan amount in your account or in cash

Gold Loan Eligibility Criteria

The eligibility conditions for a gold loan from IIFL Finance include:

  1. A person’s age must be a minimum of 18 years and maximum of 70 years

  2. A person must be a salaried, businessman, trader, farmer or self-employed professional.

  3. The gold kept as security should have a purity of 18-22 Carat

  4. The loan-to-value, or LTV, ratio is capped at 75%, meaning a maximum of 75% of the value of the gold will be given as loan.

What are the documents required for Gold loan?

A gold loan borrower must submit a few documents as part of the Reserve Bank of India’s Know Your Customer (KYC) norms. Here is the list of documents:

Accepted Identity Proof
  • Aadhaar Card
  • Valid Passport
  • PAN Card
  • Valid Driving Licence
  • Voter ID Card
Accepted Address Proof
  • Aadhaar Card
  • Valid Passport
  • Rent Agreement
  • Electricity Bill
  • Bank statement
  • Valid Driving Licence
  • Voter ID Card
Access your loan account on-the-go

IIFL Loans Mobile App

IIFL Mobile APP Screen
Account Summary Account Summary
Make EMI Payment Make EMI Payment
Complete A/c Statement Complete A/c Statement
Submit A Query Submit A Query
IIFL Mobile APP Screen

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

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

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.



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

Manish Kushawah

Customer Support

We are devoted to solving your queries and concerns, quickly and to your satisfaction.

IIFL Gold Loan Related Videos

Gold Loan FAQs

The gold loan eligibility criteria are as follows: 

  • You must be a salaried employee/businessman/businesswoman/trader/farmer or self-employed professional.
  • You should be between the age of 18 to 70 years.
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You can avail of a maximum loan of up to 75% of the market value of your gold depending on the quality of the gold.

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Yes, as the gold anyways sits in storage, it can be utilised effectively to meet your capital requirements by applying for a gold loan.

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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.

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Yes, you can only pay the gold loan interest amount and can pay the principal amount later at the end of the loan tenure

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You can apply for a gold loan when you require funds for specific purposes such as education, marriage etc and have physical gold you can pledge as collateral.

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The lender evaluates your provided 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.

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Yes, gold loan can be closed anytime subject to clearance of all dues, including interest, principal and any other applicable charges. After the loan is closed the gold mortgaged or pledged is returned to the customer. IIFL Finance has zero foreclosure charges

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There are various payment options available for the gold loan repayment like through Physical Branches, Quickpay, Bank transfer or UPI apps.

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The minimum or maximum tenure of the loan against gold is dependent on the type of schemes availed. Typically, the minimum tenure is 12 months and the maximum is 24 months.

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Customers can avail instant gold loan of minimum Rs. 3,000 or the value of the 1 gm gold on that particular day whichever is more.

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No guarantor is required to apply for the gold loan. You can take easy gold loan with your valid KYC documents.

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You can get back the pledged gold jewellery or ornaments within a day of clearance all pending dues, i.e.interest, principal or any other charges, if applicable.

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You can go through our website for any queries on low-interest gold loans. 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.

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This includes items like rings, necklaces, bracelets, earrings, pendants and more. For more details you can reach out to our nearest IIFL Finance branch that are spread over 2,668 locations in India.

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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 and submit form and get loan approved in 5mins

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Gold loans are flexible that include the option of repaying through EMIs or a single payment. You can opt for either one of the payment options as per your financial convenience.

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You need to present documents to confirm your identity and address. You can check the accepted gold loan documents on our website

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