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Gold Loan Details

If you’re looking for an easy and quick way to get financing, IIFL Gold loan is just what you’re looking for. While your gold stays safe with us, you can go ahead and take advantage of every opportunity.

While other loans require income or salary proofs and several other documentation, to avail an IIFL Gold Loan all you need is gold over 18 carats. The loan amount is dependent on the value of the gold and is guided by the regulations of Reserve Bank of India. Your gold is insured and is stored in our fire and burglary proof vaults. What’s more, you can take disbursement through IIFL DCB Prepaid Gold Card and spend the amount as and when needed.

The best part? Our gold loan requires lesser documentation, making the loan approval process quick and effective. So why pay higher interest rates for a personal loan when you can get Gold Loan faster at affordable rates.


  • Customised schemes to meet your requirements
  • Loans starting from Rs.3,000
  • Loan tenure up to 11 months
  • Competitive interest rates
  • Quick disbursal of loan
  • Flexible repayment
  • Security and insurance of gold pledged

Customer Speak

Savaliya Jitendrabhai Vinubhai

I am very thankful to IIFL for fulfilling my finance requirement at the right moment. IIFL provided me with every detail of the loan through timely SMS.

- Savaliya Jitendrabhai Vinubhai -

Gold Loan Rates and Charges

Application Process

Gold Loan Eligibility & Calculator


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What is a Gold Loan?

Gold loan or loan against gold is a secured loan in which a customer pledges his/her gold ornaments as collateral with a gold loan company. The company, in turn, gives a loan amount as per the market value of gold to the customer. It is a very quick and easy way of fulfilling one’s financial needs as compared to the other loans.

Why should I take a Gold Loan from IIFL?

The advantages of taking gold loan from IIFL include -

  • Faster and easier transactions
  • Interest rate @12% p.a. onwards
  • Quick disbursal of loan
  • Best value for gold in the market
  • Security and insurance of gold pledged

How is the market value of my gold jewellery/ornaments calculated?

The market value of your gold is calculated according to the per gram market rate of gold on the day of the loan application. If pledging gold ornaments or jewellery, only the parts that are gold are used to calculate the value; other metals, stones and gems are excluded from the calculations.

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