1800 1080
icon_notification notification-animation 10

Want us to help you with anything?
Request a Call back

This field is required Only alphabetes are allowed
This field is required Only alphabetes are allowed
Please enter valid number
Please enter valid email
Please select product type
Please enter valid pincode

Thank you for your request.

Your reference number is CRM

Our executive will contact you shortly

Frequently Asked Questions on Gold Loan

Can I foreclose or prepay my Gold Loan?

Yes, the loan can be prepaid.

How do I approach ICICI Bank for a Gold loan?

You may visit any ICICI Bank branch offering Gold Loans or submit your details in the ‘Call Me’ section for our Executive to contact you.

Do I need to update the bank in the event of change in address due to relocation or any other reason?

Yes. You will have to notify ICICI Bank within 7 working days of change in address in writing with the full details of all the change/s in the location/address of your residence or place of business

How do I repay the Gold loan?

You can repay the loan by Cash, Cheque, DD or through Funds Transfer. The ornaments will be released on realisation of amount by ICICI Bank.

Can I partially repay the Gold loan amount?

You can make part-payment, but the gold jewellery will be released only after the entire outstanding amount is repaid.

What are the Interest Rates for Gold Loan?

ICICI Bank Gold Loan comes to you at attractive interest rates starting from 11% per annum based on the prevalent market situation. The rates will however vary according to the product variants.

Gold Loan

Please click any of the links below or type your query if you don’t see the right option.

Are there any charges levied for late payment of interest?

You will be charged a penal interest (as the case may be) at the rate of 6% per annum, over and above the normal rate of interest.

Who can avail an ICICI Bank Gold Loan?

You can avail Gold Loan if you are an individual within the age group of 18 to 70 years

Can the facility be availed by pledging Gold Coins?

You can avail ICICI Bank Gold Loan against the security of 24 carat gold coins issued by banks only (operating in India) with 99.99% purity. The weight of the gold coin(s) cannot exceed 50 grams per customer as per RBI policy.

Disclaimer: The above details may undergo amendments as per rules and regulations of RBI from time to time.

What are the documents that I need to submit to avail Gold loan?

Documents needed to avail gold loan are -

  • 1. Two passport-size photographs
  • 2. Identity proof with a photo. (Any of the following: Driving Licence/Passport/Voters’ ID Card/Aadhaar Card/Ration Card)
  • 3. Address proof (Any of the following: Driving Licence/Passport/Voters’ ID Card/Aadhaar Card/Ration Card/Job Card Issued by NREGA)
  • 4. For direct agricultural activity, proof of land holding is required if the loan is above Rs 1 lakh.
  • 5. For all allied agricultural activities, supporting documents are required if the loan is above Rs 5 lakh.