Banks and non-banking finance companies (NBFCs) typically lend against a security. This can be a physical asset of value like property or easily tradeable precious metals such as gold or silver, and also other business assets, for example, shares of publicly traded companies.

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Gold loan interest rates are influenced by factors like gold purity, loan amount, borrower’s credit profile, lender policies, and market conditions. Higher purity and good credit may lead to better rates.

People who are in need of short-term cash for certain extraordinary expenses items—and do not want to get into a situation where they have to ask friends and family for money—have the option of taking a loan via a quick hassle-free process.

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Gold loan transfer is the process of moving your existing gold loan to a new lender for better interest rates. Explore the gold loan balance transfer process online, including gold overdraft loan options & more with IIFL Finance.

A gold loan is a secured loan where gold ornaments are pledged as collateral. Know in detail about benefits, application process, interest rate & fees.

IIFL Finance offers a range of gold loan schemes tailored to meet diverse financial needs. Interest rates start as low as 0.81% per month (9.72% per annum), varying based on loan amount, tenure, and gold purity. Processing fees are minimal, starting from ₹0, depending on the scheme. Additional charges include ₹500 for Market-to-Market (MTM) valuation, ₹1,500 for auction, and ₹200 for overdue notices. Repayment options are flexible, with no pre-closure or part-payment charges. Loans are secured against gold jewellery, with insurance coverage provided for pledged items. The application process is streamlined, requiring basic KYC documents like Aadhaar and PAN cards, and can be completed online or at IIFL branches.

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