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Gold Loan - Features And Documentation

The ICICI Bank Gold Loan is designed for your convenience.

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Documents required

    Interest Rates

    Gold Loan Interest Rate and Charges




    Loan Amount

    Rs 50,000

    Rs 10,000,000

    Loan Tenure

    6 months

    12 months

    Interest rate range*: (Q4- January 2024 To March 2024)







    *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


    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.



    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


     Penal charges on overdue amount

    Penal charges will be equal to 5% per annum on the overdue amount, from the due date until the actual payment date plus applicable taxes or other statutory levies, if any. 


    Loan related recovery charges:


    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

    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

    Features of Gold Loan


    • SAFETY



    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