ICICI Bank Loan Against Gold Ornaments | Interest Rates | Documents | Eligibility

ICICI Bank Loan Against Gold: Get Details on Loan Against Gold Interest Rates, Documents, Eligibility and Loan Amount of ICICI Bank.

Main Features of ICICI Bank

  • Hassle-free quick processing of loans.
  • Simplified paperwork.
  • Easy payment options.
  • Attractive interest rate & LTV

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Eligibility criteria

  • The applicant should be between 18 and 70 years.
  • Gold ornaments should be of 18 carat purity and above.
  • Gold coins should be issued by banks or government institution.


  • Pawn brokers.
  • HUF, sole-proprietorship concerns, partnership firms, corporates and co-operatives.
  • Bullion items like gold bars and biscuits, etc.
  • Gold coin issued by Jewellers, NBFC, etc.
Variant of Gold Loan

Jewel Loan

  • Facility against Gold ornaments and Coins with single tranche disbursement
  • Facility amount ranging from Rs. 10,000 to Rs. 15,00,000
  • Repayment can be on or before maturity
  • Part payment facility is available
  • Payment can be done at any branch of ICICI bank across India
  • Simple interest on amount utilised and for no of days amount utilised
  • Interest payable at the end of the tenure or closure of the facility, whichever is earlier

Gold Overdraft Account

  • Facility against Gold ornaments and Coins with multiple deposit and withdrawal
  • Facility amount ranging from Rs. 50,000 to Rs. 15,00,000
  • Cheque book and debit card convenience
  • Interest payable at the end of every month
  • Interest payable on amount utilised and for no of days amount utilised
  • Payment can be done at any branch of ICICI bank across India

Documentation Required for ICICI Bank Gold Loan:

  • 3 passport size photographs
  • Proof of Identity
  • Proof of Address
  • Proof of land holding in case of agriculture loan of more than Rs. 1 lac. Proof is not required for allied agriculture purposes
  • Simplified paperwork for past / existing customers of Loan Against Gold and Gold Ornaments

Interest Rates & Fees for ICICI Bank

  • Interest rate for agricultural advances is 13% p.a.
  • Interest rate for allied agricultural advances is 14% p.a.
  • Interest rate for non agricultural advances is 16.5% p.a.
  • Processing fees, as applicable (currently at 1% of sanction limit), is payable at the time of sanction of facility.
  • In the case of default in repayment, penal interest (as the case may be) will be charged at the rate of 6% per annum over and above the normal rate of interest.


Loans & Advances – Indicative Lending Rates
updated on June 6th, 2012
Retail Loans
Type of Credit Facility Interest Rate Processing Fee*
Agriculture Allied Agricultural Non Agriculture
Loan Against Gold Ornaments & Gold Coins 13% 14% 16.5% 1% of sanctioned amount


  • *Processing fees are NIL for agricultural loan upto Rs 25,000 per custID level
  • Interest charged is Simple interest
  • ICICI Bank reserves the right to revise the rate of interest and processing fee from time to time, at its sole discretion

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