Gold Loan

Fulfill all of your business or personal requirements instantly at IIFL Gold Loan finance by pledging your gold jewellery. With IIFL Finance Gold Loan online, you get industry-best benefits through our process designed to offer instant funds based on the value of your pledge gold. Our gold loan service is customer-oriented, and faster that ensures while applying for gold loan our customer do not have to go through lengthy and time-consuming gold loan application procedure.

IIFL Finance loan against gold or jewel loan comes with the attractive, affordable and lowest interest rates to help you raise funds instantly. Our quick gold loan process is customised to offer unique, comprehensive and best gold loan 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 in India.

Gold Loan Benefits

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

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 loan against gold 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 to avail loan on gold 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

  • Overdue Notice Charge

    200.00 (Per Notice)

How To Apply For 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 gold valuation ensures that you get the loan amount in your account or in cash

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

Why Avail a Gold Loan or Jewellery Loan
from IIFL Finance?

IIFL Finance is a leading finance and investment service provider that provides a wide range of customised financial products and services. IIFL Finance is one of the most preferred Gold Loan Financing Company in India. We have presence with more than 2,600+ branches in PAN India. Customer can submit online gold loan application form or directly visit to our nearest gold loan branch in your vicinity. Even IIFL Finance has gold loan at home service operational in few cities for now and our digital channels makes the whole process quick and simple customer-oriented.

As IIFL Finance’s seedhi baat, or straight talk, approach ensures total transparency regarding the gold loan interest rate, processing charges and other terms and conditions on gold loan agreement. Moreover, the pledged gold jewellery is kept in secure vaults safely and is insured. So whenever you search for gold loan near me, we want you should think about us. We provide the best gold loan service in India that fulfill and helps our customer to acquire their financial need without any hassle.

IIFL offers a host of gold loan schemes with the following features:
  • Receive a loan against gold jewellery 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 ornaments to secure the  highest possible loan amount.
  • Enjoy utmost peace of mind for your gold pledge 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 gold loan schemes as per the borrower to ensure you raise enough funds to meet all of your capital requirement needs.

Gold Loan Eligibility Criteria

The eligibility criteria for gold loan at 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.

Gold Loan Documents

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

Identity Proof
  • Aadhaar Card
  • Valid Passport
  • PAN Card
  • Valid Driving Licence
  • Voter ID Card
Address Proof
  • Aadhaar Card
  • Valid Passport
  • Rent Agreement
  • Electricity Bill
  • Bank statement
  • Valid Driving Licence
  • Voter ID Card

Gold Loan FAQs

Gold Loans is known as jewellery loan wherein you, as a borrower pledges gold to a lender as collateral. It can be in the form of any kind of gold ornaments as long as it is within the range of 18-22 carats. The lender keeps the pledge gold (at times also referred to as gold mortgage loan) 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.

IIFL Finance, as one of India’s leading financial institutions, offers one of the best gold loans in India. Moreover, the interest rates on such loans vary and include a nominal processing fee on loan amount. The lender assesses a predetermined interest rate on the amount given as a loan and when the borrower repays the main amount of the loan plus the interest, the lender returns the gold jewellery held as collateral.

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The eligibility criteria for loan against jewellery 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 get a gold loan maximum 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 gold loan when you require funds for specific purposes such as education, marriage etc and have physical gold pledge as collateral.

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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. Before applying for loan, you need to know all details like what is gold loan, benefits and how it works, etc.

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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 methods available for the gold loan repayment like through visiting physical branch. For online repayment options 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 for gold loan apply online. 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 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.

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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 location that are spread over 500+ cities with more than 2,600+ branches in India.

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Getting a gold loan or jewellery loan from IIFL Finance is super easy! Click on the ‘Apply Now’ button mentioned above and fill in all the required gold loan details and submit form. Our IIFL representative team with contact you and assist you till the entire gold loan procedure and disbursement is done.

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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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The IIFL Gold Loan Mela is a promotional campaign organized by IIFL Finance where customers are incentivized with gifts for taking a gold loan during the campaign period. For Gold loan offers and to know more about campaign details, check this page -

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Yes, IIFL provide doorstep gold loan at home services around 30+ cities in India for now. To know more details, check this url -

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You can avail of a maximum jewel loan of up to 75% of the market value of your gold depending on the quality of the gold.

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Yes, you can get loan on gold jewellery at low interest rate. Click on Apply Now button on this page or you can visit to gold loan branch near your vicinity

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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.

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