Gold loan
Starting at 0.81% /month onwards*
IIFL Finance gold loan – Get quick access to funds against your gold ornaments. Minimal documentation, flexible repayment options, digitally enabled process.
1 Cr.+
Happy Customers
3000+
Branches Nationwide
₹3,000/-
Minimum Loan Amount
Up to 85%
Maximum Value of Gold
RBI Regulated NBFC
- Customer rating,
1 Lac+ Reviews
Pledged gold is secured & insured
Zero Hidden Charges
30+ Years of Trust
Gold Loan - Apply Loan Against Gold Online in India
IIFL Finance Gold Loans enable individuals, farmers and small business owners to borrow against gold ornaments, starting at Rs 3,000, with interest rates as low as 0.81% per month, minimal documentation and disbursal of funds directly into your bank account after gold valuation and verification.
Unleash the potential of your gold jewellery through an IIFL Finance Gold Loan. From business requirements to medical emergencies, education costs to agriculture-related expenses, whatever be the purpose of borrowing, you can access finance against eligible gold jewellery without selling it.
Apply online and complete the gold valuation and verification process at your nearest IIFL Finance branch. Final loan eligibility and sanctioned amount depend on valuation, documentation, applicable regulations, and lender assessment.
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Rs 3,000
Minimum Loan Amount
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1 Cr+
Customers Served
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3000+
Branches Across India
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LTV limits
Borrow up to applicable regulatory LTV limits
The loan amount eligibility is decided by the assessed value of gold pledged, regulations and internal policies.
- Registered NBFC
- Secure storage of pledged gold
- Institutional insurance coverage for pledged gold
- Transparent disclosure of charges and repayment terms
IIFL Finance Gold Loan - Key Highlights at a Glance
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Borrow Against Your Gold -
Access funds against eligible collateral gold jewellery without having to sell your valued assets.
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Minimum Loan Amount -
Funding options start from Rs 3,000 and are based on the assessed value of pledged gold.
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Interest Rates Starting from 0.81% per month onwards -
Applicable rates may vary based on product terms, loan amount, tenure, and lender assessment.
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Minimal Documentation -
Basic KYC documents like address proofs and identity proofs to start the application process.
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Multiple Financial Uses -
Suitable for business needs, education expenses, medical emergencies, farming requirements, and household expenses.
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Convenient Loan Management -
Track loan details, make payments, and access account services through the IIFL Loans App.
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Extensive Branch Network -
Access gold loan services through 3000+ IIFL Finance gold loan branches across India.
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Secure Storage & Insurance Arrangements -
Pledged gold jewellery is stored securely and covered under institutional insurance arrangements during the loan tenure.
What is a Gold Loan?
Gold loans are collateral-based loans wherein you offer your gold ornaments/jewellery as security and get loans based on its worth. It is a preferred borrowing choice for individuals seeking to fulfilll their personal, business, agricultural or emergency financial needs without having to sell their gold assets.
With IIFL Finance Gold Loan, eligible borrowers can avail of loans starting from Rs 3,000 against accepted gold jewellery. Interest rates start from 0.81% per month onwards. The application process involves gold valuation and minimal documentation, making it a convenient funding option for those seeking access to credit against their gold holdings. Loan amount eligibility remains subject to gold valuation, applicable LTV limits, KYC verification, lender assessment, and prevailing regulations.
Who Can Consider a Gold Loan?
Individuals, business owners, self-employed professionals, farmers, households, and salaried applicants seeking a secured financing option may consider an IIFL Finance Gold Loan.
Hallmarking and Purity
Hallmarked jewellery may help indicate purity standards; however, final loan eligibility and valuation are determined after lender assessment and testing of the pledged jewellery. BIS hallmarking indicates purity standards but does not guarantee loan eligibility or a specific loan amount.
Why Choose IIFL Finance Gold Loan?
Whether you're looking for funds for personal, business, agricultural, or emergency needs, IIFL Finance Gold Loan offers a convenient way to borrow against eligible gold jewellery while retaining ownership of your assets.
Over 30 years of experience serving the evolving financial needs of customers across India.
Extensive branch presence across the country, helping customers access assistance closer to where they live.
Dedicated expertise in gold-backed lending.
Transparent loan information and servicing support.
Multiple repayment facilities designed to support different financial requirements.
Secure handling and storage of pledged gold jewellery.
Digital tools including calculators and educational resources that help customers make informed borrowing decisions.
Calculate Your Gold Loan Amount
Get an indicative estimate of your eligible loan amount using your gold weight, purity and applicable gold rate assumptions with IIFL Finance Gold Loan EMI Calculator. The actual loan amount depends on valuation of the pledged gold, applicable LTV norms, KYC verification and lender assessment.
The estimate generated by the calculator is indicative only. Actual eligibility and sanctioned amount are determined after physical valuation, verification, compliance checks, and lender assessment.
Gold Loan Interest Calculator
- Choose Number of Jewellery
Select items and enter each jewellery weight and purity to compute total eligible loan.
- Set ROI & Frequency
Adjust annual interest rate and select interest payment frequency for instant estimates.
- Review Payable Amounts
See monthly interest, total interest payable, and total repayment in real time.
This is an indicative estimate, not a loan offer. Your final amount is set after we check your gold at the branch.
Important information
- This calculator gives an indicative estimate only. It is not a loan offer, approval or sanction.
- The final loan amount depends on the net weight and purity of your gold as assessed at the branch, after deducting stones, wax and other non-gold parts, and on our credit policy.
- Gold rates shown are indicative. For loan purposes, gold is valued as per RBI guidelines, at the lower of the previous day's closing price and the 30-day average closing price for 22 carat gold. This may differ from the rate shown.
- Loan-to-value (LTV) limits follow RBI guidelines: up to 85% for loans up to ₹2.5 lakh, up to 80% for loans above ₹2.5 lakh and up to ₹5 lakh, and up to 75% for loans above ₹5 lakh. For loans repaid in one go at the end (bullet repayment), LTV is calculated on the total amount due at maturity, including interest.
- The interest rate shown is for illustration. Your actual rate depends on the scheme, loan amount and tenure. Interest is shown as simple interest. Processing fees, GST and other charges are extra, as per our schedule of charges.
- If the loan is not repaid on time, penal charges may apply and the pledged gold may be auctioned after due notice, as per the loan agreement.
IIFL Finance Limited is registered with the Reserve Bank of India as a non-banking financial company. For complaints, see our grievance redressal policy.
How to Use a Gold Loan Calculator?
Enter Gold Weight
Use the slider to enter the weight of the jewellery you plan to pledge, in grams. The calculator accepts values from 1g to 500g.
Select Gold Purity
Choose the karat purity of your gold, from 18K to 22K. Higher purity gold gives a higher eligible amount per gram.
View Your Estimate
The calculator shows an indicative gold loan per gram amount based on the 30-day average gold rate and the applicable regulatory tiered LTV limits. The figure updates as you change the inputs.
Apply or Visit a Branch
Click Apply Now to start your application or visit your nearest IIFL Finance branch for an on-the-spot valuation. Disbursal follows once your documents and verification are complete.
Key Features of IIFL Finance Gold Loan
Designed to make borrowing against your gold simple, convenient, and accessible, IIFL Finance Gold Loan offers a range of features that support borrowers throughout their loan journey.
Digital Application Support
Start your gold loan journey online by exploring loan options, checking eligibility requirements, and locating your nearest IIFL Finance branch before proceeding with valuation and documentation.
Minimal Documentation
Get started with valid KYC documents such as Aadhaar, PAN, Passport, Voter ID, or Driving Licence, subject to applicable verification requirements.
Gold Valuation & Loan Processing
Eligible gold jewellery is assessed for purity and valuation at the branch. Loan eligibility, sanctioned amount, and disbursal are determined after successful verification, documentation, and lender assessment.
Extensive Branch Network
Access gold loan services through IIFL Finance's wide branch network across India, making it convenient to complete valuation, servicing, and loan-related requirements.
IIFL Loans App
Manage your gold loan with ease through the IIFL Loans App. Track your loan details, monitor repayments, make interest payments, and access account-related services from your phone.
Secure Storage of Pledged Gold
Pledged gold jewellery is stored in secure vaults and covered under institutional insurance arrangements during the loan tenure, in accordance with applicable policies and operational practices.
Note: Loan eligibility, valuation, sanction, disbursal, documentation requirements, and product features remain subject to applicable regulations, verification, and lender assessment.
How to Apply for a Gold Loan
Get Access to Funds Against Your Eligible Gold Jewellery
The gold loan journey generally includes application submission, gold valuation, verification, documentation and lender assessment before approval and disbursal. Final eligibility, sanctioned amount and loan terms depend on the outcome of these processes.
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Apply Online or Visit a Branch
Submit your gold loan application online or visit a nearby branch with your eligible gold jewellery and required KYC documents.
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Gold Valuation and Verification
The pledged gold jewellery is weighed, assessed for purity, and valued by trained personnel using the lender's standard appraisal and verification procedures.
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Loan Assessment, Approval and Disbursal
After completion of valuation, verification, documentation, and lender assessment, eligible applications may be approved. Upon approval, the sanctioned loan amount may be credited to the applicant's registered bank account through the approved disbursal mode.
Gold Loan Fees and Charges
Know all costs and charges associated with your gold loan before you apply. Applicable fees, charges, and loan terms are communicated during the application and documentation process and are available on the Interest Rates and Charges page.
| Fee Type | Charge |
|---|---|
| Interest Rate | From 0.81% per month |
| Processing Fee | Rs 0 onwards |
| Penal Charges | 0.5% per month on overdue amounts |
| SMS Charges | Rs 5 per quarter |
| MTM Charges | Rs 500 (MTM means revaluing your pledged gold at current market rates if gold prices fall) |
| Auction Charges | Rs 1,500 |
| Overdue Notice Charges | Rs 200 per notice |
Applicable fees, charges, and the gold loan interest rate will be disclosed before execution of the loan agreement and are also available on the gold loan Interest Rates and Charges page.
Gold Loan Eligibility Criteria
You may be eligible to apply for a gold loan if you meet the lender's age, ownership, documentation, verification and appraisal requirements.
You may be eligible if you:
Are an Indian resident aged between 18 and 70 years
Own eligible gold jewellery that meets the lender's accepted purity and appraisal requirements
Have valid KYC documents as required under applicable regulations
Complete the verification and documentation process prescribed by the lender
Eligible applicants may include
Salaried individuals
Self-employed professionals
Business owners
Farmers
Homemakers
Documents Required for a Gold Loan
Gold loan applications typically require eligible gold jewellery along with valid KYC documents for identity and address verification. Having these documents ready can help complete the application and verification process more efficiently.
Identity Proof (Any of these)
Aadhaar Card
PAN Card
Passport
Voter ID
Driving Licence
Address Proof (Any of these)
Aadhaar Card
Passport
Utility Bill
Driving Licence
Registered Rent Agreement
Additional Documents and Requirements
Recent passport-size photographs
Eligible gold jewellery for valuation and assessment
Bank account details for loan disbursal and repayment transactions
Note: PAN is mandatory for loans above ₹20,000. If you do not have a PAN, Form 60 may be accepted as per applicable regulations. For loans up to ₹2.5 lakh, income proof is generally not required. Additional requirements, if any, may be communicated during the verification process.
Manage Your Gold Loan from Your Phone
After your loan is approved, the IIFL Loans app gives you control over your account, so routine loan management does not need a branch visit.
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Loan Tracking. View your outstanding balance, repayment schedule, and pledge details from anywhere.
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Easy Interest Payments. Pay your monthly interest directly from the app instead of visiting a branch.
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Renewals From Your Phone. Eligible customers may be able to apply for loan renewal through the app, subject to applicable policies and assessment.
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Due Date Reminders. Get notified before interest or principal payments fall due, so you avoid overdue charges.
How Gold Valuation Works
Understanding valuation helps set realistic expectations before visiting a branch.
Purity Assessment
Gold purity directly affects the eligible loan amount.
Net Gold Weight
Only the net gold content is considered for valuation. Stones, beads, enamel, and non-gold portions are excluded when you take a loan against gold ornaments.
Benchmark Valuation Methodology
The assessed gold weight is valued using the recognised benchmark gold pricing methodology adopted by the lender in accordance with applicable regulations and internal policies.
LTV-Based Calculation
Your eligible amount is determined after applying applicable Loan-to-Value limits and internal assessment procedures.
Worked Example
Gold weight: 20g
Purity: 22K
Assumed rate: Rs 7,000 per gram (illustrative only)
Assessed value: 20 x Rs 7,000 = Rs 1,40,000
Indicative eligible loan amount: about Rs 1,19,000, subject to applicable LTV limits and branch valuation.
The figures above are for illustration only. Actual amounts may vary with the prevailing gold rate and valuation at the branch.
Flexible Repayment Options
IIFL Finance Gold Loan offers repayment facilities designed to help borrowers manage their obligations during the loan tenure.
Interest-only repayment options
Eligible part-payment facilities
Foreclosure facilities, subject to applicable terms
Repayment facilities may vary depending on the selected loan product, applicable policies, and lender assessment.
Gold Loan for Every Need
An IIFL Finance Gold Loan may help meet various financial requirements including:
Business working capital requirements
Educational expenses
Medical emergencies
Farming and agricultural needs
Household expenses
Home improvement needs
Short-term liquidity requirements
By borrowing against eligible gold jewellery, customers can access funds without selling valuable assets. Gold Loan eligibility and sanctioned amount remain subject to valuation, verification and lender assessment.
What Gold Loan Specialists Want You to Know
“The most common mistake we see is borrowers not understanding the
LTV calculation.
Many customers arrive expecting a loan equal to the full market value of their jewellery. But the loan is based on the
net gold content only
— after excluding stones, enamel, and making charges — which can be significantly lower than the jewellery's retail price. Understanding this upfront helps set realistic expectations and avoid surprises at the branch.
The second most common issue is customers being unaware that they can
part-prepay with zero charges at any time.
Many borrowers pay unnecessary interest simply because they didn't know they could reduce their outstanding anytime a surplus arrives.”
Rajesh Sharma
Regional Gold Loan Head IIFL Finance Limited
Safety, Security and What You Should Know
Security of Pledged Gold
Secure vault storage
Controlled access procedures
Surveillance-based monitoring
Documented custody processes
Release after loan closure
These processes support a secure gold loan experience through the loan tenure.
Insurance Coverage
Pledged gold remains covered under an institutional insurance policy maintained by the lender throughout the loan tenure.
If Repayment Is Delayed
Reminder notices may be issued.
The borrower may be provided an opportunity to regularise the account.
Recovery action may proceed as per applicable gold loan regulations and contractual terms.
If required, pledged gold may be auctioned following the applicable legal and regulatory framework.
Any surplus remaining after recovery of dues may be returned according to applicable procedures.
Where offered, renewal, restructuring, or tenure-extension facilities remain subject to applicable policies, borrower eligibility, and lender assessment.
What Our Customers Say About Us
Watch real customer stories and learn how borrowers have used IIFL Finance Gold Loan to meet business, agricultural, educational, and emergency financial needs.
When I visited IIFL Finance it just took a few minutes to process the loan and the process was very transparent. I have advised my friends to get their gold loans from IIFL.
Venkatram Reddy
I recommended IIFL Finance, the process is very fast. The staff is friendly and gives good suggestions on the schemes which are beneficial.
Vishal Khare
IIFL Finance's customer friendly approach is what I liked. They are so transparent in their dealings. I look forward for my future association with them.
Pushpa
I have been taking Gold Loan from IIFL Finance for quite some time now. I get good services and right value for my Gold Loan.
Manish Kushawah
Visit Your Nearest IIFL Finance Branch
Looking for a gold loan near you? Visit your nearest IIFL Finance branch with eligible gold jewellery and KYC documents. Our trained valuation teams can guide you through the assessment, verification, and application process.
3000+ branches across India
Trained valuers
Transparent valuation process
Secure storage and insurance coverage
Gold Loan FAQs
At IIFL Finance, you can avail a loan of up to 75% of the market value of your gold, depending on the purity and quality of your gold jewellery. Higher gold purity and weight increase your gold loan eligibility, helping you unlock maximum value while your gold remains safe and secure.
A Gold Loan is a type of secured loan where you pledge your gold jewellery, typically 18-22 karat, as collateral to obtain funds. The loan amount is determined based on the gold’s weight, purity, and 30-day average gold rate. Unlike unsecured loans, a gold loan does not require income proof or credit history checks. It offers quick approval, flexible repayment options, and low interest rates, making it ideal for meeting urgent personal or business needs. Your gold is kept safe in secure vaults during the loan tenure.
Once the loan along with interest is repaid, the pledged gold is returned. This makes a gold loan a flexible, fast, and safe way to unlock the value of your idle gold assets without selling them.
Yes! Taking a Gold Loan is a safe and effective way to utilize idle gold jewellery. Since your gold jewellery remains securely stored in insured vaults, it can work as collateral to meet urgent financial requirements, such as medical emergencies, business needs, or personal expenses, without having to sell your valuable jewellery.
A gold loan works by pledging your gold jewellery as collateral to a lender. IIFL Finance evaluates your pledged gold for purity, weight, and market value. Based on a predefined Loan-to-Value (LTV) ratio, a loan amount is sanctioned. Interest is charged on the borrowed amount while your gold remains safely stored in insured vaults. Once the principal and interest are repaid, your gold is returned.
Yes, a gold loan can be prepaid or foreclosed at any time. Borrowers are required to clear all pending dues, including principal, interest, and any applicable charges. IIFL Finance allows early closure without unnecessary delays, providing flexibility and cost savings.
Gold Loan repayment at IIFL Finance is simple. You can repay by visiting a branch or using online options such as Quickpay, bank transfer, or UPI apps. Flexible methods ensure timely repayment, helping you maintain a good credit record and safeguard your pledged gold.
The maximum tenure for a gold loan in India for IIFL Finance is up to 24 months, depending on the loan agreement.
The minimum amount of loan on gold at IIFL Finance is Rs 3,000. This ensures even small borrowers can access funds conveniently against their gold.
No guarantor is required for an IIFL Gold Loan. Since the loan is secured against your gold jewellery, approval depends solely on the pledged asset, making it accessible to a wide range of borrowers without additional guarantees.
You can reclaim your pledged gold as soon as you repay all outstanding dues, including principal, interest, and any applicable charges.
You can pledge gold jewellery such as rings, necklaces, bracelets, earrings, and pendants. The jewellery should meet purity standards (18-22 karat) to maximize loan eligibility and ensure fair valuation.
Any Indian resident aged 18 to 70 years with valid identity and address proof is eligible to apply for an IIFL Gold Loan, making it accessible to a wide range of borrowers.
Getting a gold loan from IIFL Finance is super easy! Click on the ‘Apply Now’ button mentioned above and fill in all the required details to get a loan approved in 5 minutes.
- Start by filling in your details and hit ‘Apply Now’
- Enter the OTP sent to your phone to verify your number
- Select your city and type in your PIN code
- Choose the branch closest to you and book your appointment
The gold loan is calculated based on the quality of the pledged gold and its market value in the domestic physical market. You can also use the gold loan calculator on IIFL Finance’s website to see how much loan you get against weight of the gold jewellery. You just have to enter the weight of the gold and the calculator will return the maximum amount you can borrow on it. The market value of the gold is calculated by taking 30 days average gold rate of 22 karat gold.
For queries, visit the IIFL Finance website to explore gold loan offers or call 7039-050-000 to speak with customer service staff for personalized assistance regarding interest rates, eligibility, and loan procedures.
Gold is assessed by IIFL expert valuer for purity and weight using standard karat meters. The final loan amount is calculated based on the 30-day average gold rate, ensuring accurate valuation and maximum loan eligibility.
Yes, IIFL Finance allows you to avail a Gold Loan against your gold jewellery, including necklaces, bangles and rings. The loan amount is determined based on the purity, weight, and 30-day average gold rate of the pledged gold, ensuring you get maximum funds securely and conveniently.
The minimum and maximum limit for loan against gold at IIFL Finance depend on the pledged gold’s value. Generally, small loans start from a few thousand rupees, while high-value loans can go up to several lakhs, with the exact amount calculated based on 30-day average gold rate and the Loan-to-Value (LTV) ratio.
Yes, delayed payments on an IIFL Gold Loan attract late payment charges or penal charges as per the loan agreement. It is advisable to pay interest installments on time.
IIFL Finance accepts jewellery as collateral, provided they meet purity standards. The gold is evaluated for karat purity, weight, and market value to determine the eligible loan amount, ensuring fair and transparent lending.
Yes, IIFL Finance offers gold loan renewal and top-up facilities. Borrowers can renew their loan and/or access additional funds on the same pledged gold if eligible. This provides flexibility to meet ongoing financial requirements without pledging new assets.
NRIs can apply for a gold loan with IIFL Finance subject to eligibility conditions, including valid KYC and local Indian residency proof for the pledged gold. Terms may vary depending on the branch or city, so it is advisable to check specific requirements.
Yes, senior citizens are eligible for an IIFL Gold Loan as long as they meet basic age (max. 70 years) and KYC requirements. The process remains simple, and gold loans can be availed for emergencies or other financial needs, with flexible repayment options.
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