ICICI Bank Gold Loan Interest Rates 2016 – EMI Calculate Online

ICICI Bank Loan Against Gold: Get Details on Loan Against Gold Interest Rates, Documents, Eligibility and Loan Amount of ICICI Bank. Calculate EMI per month with calculator.

Main Features of ICICI Bank – Jiyo Khulke!

Discover what it’s like to Jiyo Khulke with ICICI Bank Gold Loan – a smart choice to fulfill your financial needs:

  • Education for children
  • Business expansion or working capital requirement
  • Down payment for purchase of property or vehicle
  • Agricultural need
  • Medical emergency
  • Holiday with your family

Apply Gold Loan

Full Name:
Annual Income:

Other City:
Email ID :
Loan Amount:

I authorize Deal4loans.com & its partnering banks to contact me to explain the product & I Agree to privacy policy and Terms and Conditions.

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.


Interest Rate and Charges – ICICI Bank Gold Loan: Last Updated as on 14 March 2016

Description Minimum Maximum
Loan Amount ₹ 10,000 ₹ 15,00,000
Loan Tenure 6 months 12 months


Interest rate range: (For the quarter ended on September 30, 2015)


Minimum Maximum Mean Penal Interest
10.00% 16.50% 13.50% 6.00%#

#Penal Interest is not applicable for agricultural loans up to ₹ 25,000 per customer.


Particulars Twelve months product Six months product
Processing Fees 1.0% of loan amount 1.0% of loan amount
Prepayment Fees** 1% of Principal Outstanding 1% of Principal Outstanding
Documentation Charges ₹ 199 NA
Renewal Fees For loans:

  • Upto ₹ 1 Lacs – ₹ 250
  • Greater than ₹ 1 lacs – upto ₹ 2 Lacs – ₹ 350
  • Greater than ₹ 2 Lacs – ₹ 500
Stamp Duty and other statutory charges As per Applicable laws of the State

Note: Service Tax and other taxes are also applicable.

The above fees will not be applicable for agricultural loans up to ₹ 25,000 per customer.

**Prepayment fees for six months product will apply if the account gets closed within 5 months and for one year product if the account gets closed within 11 months.

ICICI Bank Gold Loan EMI Calculator

For EMI Calculations you have to just enter your loan amount, Repayment period & Interest Rates.

Calculate Loans EMI Online

Loan Amount
Interest Rate (Reducing) % Per Annum
Loan Tenure (in Months)
Monthly EMI
Total Amount with Interest
Total Interest Amount
Yearly Interest Amount

Documentation required to get ICICI Bank Gold Loan:

  1. Two passport size photograph
  2. ID Proof such as Driving License / PAN Card / Form 60/61 / Passport Copy / Voter ID Card / Aadhaar Card / Ration Card. Any one document needs to be submitted
  3. Address Proof such as Driving License / Voter ID Card / Ration Card / Aadhaar Card / Passport Copy / registered lease agreement with not older than 3 months utility bills in the name of landlord (any one)
  4. Proof of land holding in case of agriculture loan of more than Rs. 1 lakh

You might find these relevant:

Tags: ,

Apply Here

56, 50, 790 quotes taken till now
Full Name
Email ID
Net Salary
Validation code:
Can't read the image? click here to refresh.
I agree to Privacy Policy and Terms and Conditions.

Personal Loan Interest Rates
28 June 2016
Interest Rates
11.49 - 19.50%
Standard Chartered
11.99 - 15.00%
Bajaj Finserv
15.00 - 17.00%
Fullerton India
21.00 - 32.00%
Kotak Mahindra
11.50 - 20.00%
IndusInd Bank
12.99 - 19.00%
13.49 - 17.50%

Home Loan Interest Rates
Interest Rates
9.40 - 9.45%
9.40 - 9.45%
9.55 - 10.05%
PNB Housing
9.75 - 9.95%
Axis Bank
9.45 - 9.75%
9.35 - 9.40%

  • WRS Info India Pvt. Ltd.
    Address: E-32, Ground Floor, Sector - 8, Noida,
    Uttar Pradesh, India - 201301
    Email: contactus@deal4loans.com
  • Facebook linkedin Twitter Google plus

    © Copyright 2016, Deal4loans, India
  • Disclaimer: Information is sourced from respective Banks websites. We don't provide Loans on our own but ensures your information is sent to bank/agent which you have opted for and we do not charge any fee from our customers. We don't do short term loans. Deal4loans has no sales team on its own and we just help you to compare loans .All loans are on discretion of the associated Banks/Agents.Read More