Gold Loan Top-Up

In need of funds? Now get an instant Top-up facility on your ongoing Gold Loan account

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Gold Loan Top-up is a facility offered to existing ICICI Bank customers who already have an ongoing Gold Loan account with the Bank. With this facility a customer gets additional funds without pledging any further security or collaterals.

How to apply?

  • Step 1: Locate your offer and apply
    • Log in to the iMobile Pay app
    • Click on Loans
    • Click on Gold Loan – Check for Top-up eligibility
  • Step 2: Customise your Loan Account
    • Please review
    • Accept Terms and Conditions
    • Click on Continue
  • Step 3: Verify and authorise the Top-up facility
    • Select the Bank account or enter the Bank account details
    • Verify amount and charges
    • Verify and authorise the Bank account for funds' credit

Key features and Eligibility

Key features

  • Instant eligibility check

  • Avail Top-up amount in the specified bank account

  • No additional security required


Since the Gold Loan Top-up facility is offered on an existing Gold Loan account with the bank, having an ongoing Gold Loan with the ICICI Bank is single most important eligibility criteria for this facility. Apart from this, the bank offers pre-approved Top-up facility to only a select few customers who can check their eligibility via Internet Banking, iMobile App, Customer Care or by visiting nearest branch.


Gold Loan FAQs

What is a Gold Loan?

A loan against your gold jewellery is known as a Gold Loan or a Jewel Loan. At ICICI Bank, a customer can quickly avail a Gold Loan of any value between Rs 50,000 to Rs 1 crore.

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 of any value between Rs 50,000 to Rs 1 crore. 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 call us on 1800 1080 or apply online. 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 Loan comes with a minimum interest rate of 10% p.a. based on the prevalent market situation. The Gold Loan interest rates will 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 subject to the verification of the gold and other documents that you submit. The approvals are at the sole discretion of ICICI Bank.


What documents are required for the approval of a Gold Loan?

The Gold Loan documentation process is very simple. It does not require you to share the income proofs. The documents required for a Gold Loan are:

  • Two passport size photographs
  • Identity proof such as Driving Licence/ Form 60/Form61/ Passport Copy/ Voter ID Card/ Aadhaar Card/ Ration Card (any one). PAN Card issued in India is no longer considered as a valid identity proof
  • Address proof such as Driving Licence/ Voter ID Card/ Ration Card/ Aadhaar Card/ Passport Copy/ Registered lease agreement with utility bills not older than 3 months in the name of your landlord (any one)
  • Proof of land holding needs to be provided in case of an Agricultural Loan of more than Rs 1 lakh

What is the maximum limit on the Gold Loan that can be availed?

A Gold Loan can be availed for a minimum of Rs 50,000 and maximum of Rs 1 crore per customer.

What is the process of Gold Loan Closure if the customer is deceased?

Jewel Loan/ Gold Loan Process of Deceased Claim:

  1. Nominee as mentioned during account opening in iGold/AOF duly signed by customer can be considered at the time of full and final repayment in case of borrower’s death

  2. For cases where nominee is not declared by borrower at the time of account opening, repayment has to be done by the legal heir

  3. Pouch to be handed over only post closure of account

  4. SR should not be raised for Jewel Loan Accounts as the account gets closed at Branch end.


Adherence to the below scenarios is mandatory:

With Nomination:

a) Death Certificate

b) KYC of the nominee.

Without nomination:

1) Amount less than Rs 25000:

  • Copy of Death Certificate

  • Indemnity letter signed by the claimant.

2) Amount between Rs 25000 and Rs 10 lakh:

  • Copy of Death Certificate

  • Indemnity letter signed by the claimant, backed by 2 sureties.

3) Amount above Rs 10 lakh:

  • Copy of Death Certificate

  • Indemnity letter signed by the claimant backed by 2 sureties

  • Affidavit on stamp paper

  • Copy of the Will and letter of probate / letter of administration.

Apply for Gold loan
at your convenience

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Apply for Gold loan
at your convenience

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