IIFL Finance offers a range of gold loan schemes tailored to meet diverse financial needs. Interest rates start as low as 0.99% per month (11.88% 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.

Gold loan interest rates in India typically range from 11.88% to 27% per annum, depending on factors like loan amount, tenure, and repayment frequency. Lenders such as IIFL Finance offer competitive rates starting at 0.99% per month (11.88% p.a.), with processing fees as low as ₹0. These rates are influenced by gold prices, as higher gold values reduce lender risk, potentially lowering interest rates. Additionally, factors like loan-to-value ratio, gold purity, and borrower profile can impact the final rate.

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