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Gold Loan Interest Rate and Charges

Description Minimum Maximum
Loan Amount Rs 50,000 Rs 10,000,000
Loan Tenure 6 months 12 months

Interest rate range*: (Q2- July 2023 TO September 2023)

Minimum Maximum Mean Penal Interest
10% 17.95% 14.62% 6%

*Terms and Conditions applied


  • It includes various categories like loan amount, customer relationships etc.

  • Mean rate = Sum of rate of all loan accounts/ Number of all loan accounts

Particulars Twelve months product Six months product
Processing Fees 1.0%* of loan amount 1.0%* of loan amount
Foreclosure charges 1%, If a/c is closed within 11 months 1%, If a/c is closed within 5 months
NIL, If a/c is closed after 11 months NIL, If a/c is closed after 5 months
Gold OD - 1% of the facility amount, if the facility is prepaid within 11 months or post 30 days of auto-renewal. NA
Valuation Charges For loans:

Up to 1 lakh: Rs 100

Greater than 1 lakh up to 2 lakh: Rs 200

Greater than 2 lakh up to 3 lakh: Rs 300

Greater than 3 lakh up to 4 lakh: Rs 400

Greater than 4 lakh up to 5 lakh : Rs 500

Greater than 5lakh up to 10 lakh : Rs 750

Greater than 10 lakh: Rs 1250

Top Up Charges 1% of Top Up amount

Subject to minimum of Rs 250

Documentation Charges** Rs 199
Renewal Fees For loans:

Up to Rs 50,000: Rs 300

Greater than Rs 50,000 up to Rs 1 lakh: Rs 350

Greater than Rs 1 lakh up to Rs 2 lakh: Rs 500

Greater than Rs 2 lakh: Rs 1,000

Loan related recovery charges:

Particulars Charges Levied
Overdue Handling Charges

1. Rs 750 where a Notice has been delivered to the communication address and a paper publication is not required

2. Rs 1,700 where no Notice has been delivered to the communication address and the paper publication is to be done

3. Rs 300 for sending an Auction Notice, over and above preceding points 1 and 2.

4. Rs 200 for sending a Loan Recall Notice, over and above preceding points 1 and 2.

Auction charges for re-possessed asset At Actuals
Charges incurred in filing a legal suit At Actuals
Paper advertisement charges At Actuals


GST, TDS, other government taxes, stamp duty, levies, etc. as per prevailing rate will be charged over and above these charges. The above fees will not be applicable for agricultural loans up to Rs 25,000 per customer.

**Applicable for flexi Gold Loan product.

* T&C apply

Annual Percentage Rate

The Annual Percentage Rate (APR) is a method to compute annualised credit cost, which includes interest rate and processing fee.

The APR calculator does not include charges like stamp duty, Prepayment charges etc.

To calculate the same, please click here to download the APR calculator.

*Terms and Condition apply

You can now walk into any of our ICICI Bank Branches offering Gold Loans with your jewellery and avail a Gold Loan of 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 in just a few steps.

Your gold is safe with us. It will be valued in your presence, sealed and kept in a safe Vault. The Vault is a highly secure facility within the Bank, ensuring you have complete transparency and peace of mind. Whenever you wish to take your gold back, it will be handed over in the same state as it was submitted.

Give a Missed Call on 84448 84448