✓ No Limit on Loan Amounts ✓ Interest Rate Starting @0.74% p.m. ✓ Minimal Documentation Apply Now

If you are looking for a trusted financial institution to mortgage your gold and borrow funds to fulfil your urgent requirements, you can consider ICICI Bank. With interest rates starting from 10% p.a., you can get up to ₹1 Crore to meet your personal, business, or agricultural needs. With a repayment tenure of up to 12 months, you can save considerably on loan costs. Furthermore, you can benefit from the easy online and offline application process, as well as digital renewal and top-up loan facilities.

Interest Rates and Charges

Here are the interest rates and other associated charges you should know about:

Interest Rate

10% to 18% p.a.

Penal Interest


Processing Fee

1% of the loan amount

Foreclosure Charges


Top-up Charges

1% of the top-up amount (Minimum ₹250)

*Disclaimer: The aforementioned charges are subject to change at the lender’s discretion.

Features and Benefits

Doorstep Services

Get your gold appraised at home and transported safely from your residence to the bank with added security

Minimal Paperwork

Enjoy a smooth application process by just scanning and submitting basic KYC documents

Top-up Facility

Borrow additional amounts on your existing gold loan, as and when required

No Income Proof

You are not required to submit your salary slips or bank statements when applying for this loan

Eligibility Criteria and Documents Required

To fulfil the ICICI Bank Gold Loan eligibility criteria, you must fall under the age bracket of 18 to 70 years. Additionally, the gold you wish to pledge must have a purity of at least 18 karats. Alongside this, you will be asked to submit the following documents:

  • Identity Proof: Any one of the following

    1. Aadhaar card

    2. Passport

    3. Voter ID

    4. Ration card, 

    5. Driving Licence

  • Passport-size photograph

  • Address proof: Any one of the following

    1. Driving Licence

    2. Voter ID 

    3. Passport

    4. Aadhaar card

    5. Job card NREGA (National Rural Employment Guarantee Act)

  • Proof of land-holding: In case of loan amount over ₹1 Lakh is borrowed to be used for agricultural purposes

  • Supporting documents in case of loan amount of over ₹5 Lakhs to be used for allied agricultural activity 


Additional documents may be requested as needed. Ensure to inquire the bank for a complete list of documents required for the application process.

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How to Apply

Follow these simple steps to apply for an ICICI Bank Gold Loan online:

  • Visit the official website

  • Navigate to the 'Loans' tab and click on 'Gold Loan'

  • Select the ‘Apply For Gold Loan’ option

  • Enter your full name, mobile number, and OTP in the online application form

  • Click on ‘Apply Now’

  • A bank representative will contact you for further steps and guide you through the application process.

Apply for a Gold Loan


The information and suggestions provided by BFDL hereinabove is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort. 

The information including interest rates or fees, loan amount and other charges with regard to any product, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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Is my mortgaged gold safe with ICICI Bank?

When you deposit your gold jewellery with the bank to get a loan, they store it in a safety vault in a protected area of the bank.

What is the minimum gold loan amount offered by ICICI Bank?

You can borrow amounts starting from just ₹10,000 by mortgaging your gold with ICICI Bank.

Can I prepay or foreclose my gold loan from ICICI Bank?

Yes, the gold loan can be prepaid. However, you will be required to pay an additional charge of 1% for utilising this facility.

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