You can now walk-into any of our ICICI Bank branch offering Gold loans with your jewellery and you can avail gold loan for any value from Rs. 50,000 to Rs. 1 crore instantly. With our simple and easy documentation process, the loan can be availed across the counter instantly.
Your gold is absolutely safe with us. Your Gold is kept in Vault Safe in Strong Rooms of ICICI Bank giving you the guaranteed assurance of complete transparency and peace of mind. You Gold is valued in your presence, sealed and kept in Vault Safe. Whenever you wish to get your Gold back it will be given back to you in exactly the same state as you submitted in the first place.
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What is a Gold Loan?
A loan against your gold jewellery is known as Gold Loan or a Jewel Loan. At ICICI Bank, a customer can quickly avail a Gold Loan for any value from Rs. 50,000 to Rs. 1 crore instantly.
Salient features of Gold Loan like ease of documentation and instant disbursal, make it an easy and convenient way of securing funds.
How does one get a Gold Loan?
To get a Gold Loan, you can walk into any ICICI Bank Branch offering a Gold Loan with your jewellery and avail a Gold Loan for any value from Rs. 50,000 to Rs. 1 crore instantly. With our simple documentation process (only KYC required), you can avail the loan, across the counter, quickly. Alternatively, you can give a missed call on 84448 84448 or <apply online for a Gold Loan>. Our representative will call you and guide you with all the necessary details. You can also check your Gold Loan eligibility with our Gold Loan Calculator.
What is the interest rate of a Gold Loan?
ICICI Bank Gold Loans come to you at attractive interest rates, with a minimum interest rate of 11% per annum, based on the prevalent market situation. The Gold Loan interest rates will, however, vary according to the product variants.
How long does it take to complete a Gold Loan approval process?
ICICI Bank Gold Loan provides a quick loan disbursal in just 60 minutes. This is however, subject to the verification of the gold and other documents that you submit. Approvals are at the sole discretion of ICICI Bank.
What are the documents required for the approval of a Gold Loan?
A Gold Loan requires a very simple documentation process and doesn’t require you to share proof of income. The documents required for a Gold Loan are:
- Two passport-size photographs
- Identity proof with a photo. (Any of the following: Driving license/Passport/ Voters’ ID Card /Aadhaar Card/Ration Card)
- Address proof (Any of the following: Driving license/Passport/ Voters’ ID Card /Aadhaar Card/Ration Card/ Job Card Issued by NREGA)
- For direct agricultural activity, proof of land holding is required in the case of a loan above Rs. 1 lakh.
- For all allied agricultural activities, supporting documents are required in the case of loans above Rs. 5 lakhs.
What is the maximum limit on the Gold Loan that can be availed?
A Gold Loan can be availed for a maximum of Rs. 1 crore per customer.