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2 mins Read | 1 Week Ago

Gold Loan - Apply Gold Loan for agriculture online


Agriculture is the backbone of many economies, especially in developing countries where a sizeable portion of the population relies on farming for livelihood. However, the agricultural sector is often fraught with challenges, including unpredictable weather conditions, fluctuating market prices and limited access to credit. In such scenarios, Gold Loans have emerged as a crucial financial tool, offering farmers the liquidity they need to sustain and grow their agricultural activities.

What is a Gold Loan?

A Gold Loan, also known as a Jewel Loan, allows customers to take help of their gold jewellery to secure funds. ICICI Bank provides an easy process for obtaining Gold Loans, offering loan amounts ranging from ₹ 50,000 to ₹ 1 crore. This makes it an accessible and convenient option for farmers needing immediate financial support. With ICICI Bank, farmers can get competitive interest rates on Gold Loans, making them affordable. The tenure options range from 6 to 12 months, providing flexibility to choose a repayment period that aligns with their financial planning.

Why choose ICICI Bank Gold Loan for Agriculture?

Choosing ICICI Bank for your Gold Loan needs, especially for agricultural purposes, ensures that you benefit from:

1. Quick and Easy Access to Funds

The process of availing a Gold Loan from ICICI Bank is straightforward and efficient, ensuring that farmers can access funds without unnecessary delays. This is particularly crucial in agriculture, where timely availability of funds can impact the success of farming activities.

2. High Loan Amount

Farmers can secure Gold Loans up to ₹<1 crore>, providing substantial financial support for various agricultural needs, such as purchasing seeds, fertilisers, equipment or even managing daily farming expenses.

3. No Burden of EMIs

ICICI Bank Gold Loan does not burden farmers with monthly EMIs, thereby allowing them to focus on their agricultural activities without the stress of regular repayments. This flexibility can be a significant advantage during off-seasons when income may be lower.

4. Digital Renewal

The digital renewal option simplifies the process of extending the loan tenure, saving farmers time and effort. This feature ensures that they can continue to access necessary funds without the hassle of reapplying.

5. Wide Network of Branches

With over 6,000 Gold Loan-enabled branches, ICICI Bank ensures that farmers across the country can easily access its services. The dedicated Gold Loan team at these branches provides personalised assistance, ensuring a smooth experience for customers.

ICICI Bank Gold Loan Eligibility Criteria for Farmers

Farmers seeking Gold Loan for agriculture from ICICI Bank must meet the following eligibility criteria:

  • Age: Applicants must be between 18 and 85 years of age
  • Nationality: Only Indian nationals are eligible
  • Gold Purity: The gold pledged must have a purity of 18 to 22 carats
  • Loan Repayment Tenure: The loan tenure options are 6 or 12 months.

Documents Required to Apply for a Gold Loan for Agriculture

To apply for a Gold Loan for agriculture at ICICI Bank, you will need to provide specific documents, as follows:

Basic Documents Required for All Applicants:

First, you must submit two passport-size photographs. For identity proof, you can provide any one of the following documents: Driving License, Passport copy, Voter ID Card, Aadhaar Card or Ration Card. Additionally, you need to furnish proof of address, which can be any one of the following: Driving License, Voter ID Card, Aadhaar Card, Passport copy or a Job Card issued by NREGA.

Additional Documents for Agriculture Loans:

If you are applying for an Agriculture Loan of more than ₹1 lakh, you will need to provide proof of land holding. This document is necessary to establish that you own agricultural land.

Additional Documents for Allied Agricultural Activity Loans:

For loans intended for allied agricultural activities exceeding ₹5 lakh, you must submit supporting documents that substantiate the allied agricultural activities for which the loan is being sought.

How to Avail ICICI Bank Gold Loan?

You can avail an ICICI Bank Gold Loan for agriculture by following the below mentioned steps: 

Step 1: Visit the Branch

Farmers can visit any of the 5000+ ICICI Bank Branches with their gold jewellery.

Step 2: Valuation and Quality Check

The gold is evaluated and checked for quality at the branch to determine the loan amount.

Step 3: Submit KYC Documents

Farmers need to submit necessary KYC documents to complete the application process.

Step 4: Loan Disbursal

After completion of valuation and documentation, the loan amount is disbursed to the customer’s account.


ICICI Bank Gold Loan for agriculture is an excellent financial tool for farmers, offering quick access to substantial funds with minimal hassle. The Bank’s commitment to supporting the agricultural community is evident through its tailored loan solutions, ensuring that farmers have the resources they need to thrive. Whether it is for purchasing equipment, managing daily expenses or investing in crop inputs, ICICI Bank Gold Loan can be the financial boost that farmers need to ensure a successful harvest season.

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