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| IIFL Gold Loan Highlights | |
| Interest Rate | 11.88% p.a. to 27% p.a. |
| Repayment Tenure | Up to 2 years |
| Loan Amount | Minimum Rs 3,000 or value of 1 gram of gold on a particular day, whichever is more |
| LTV Ratio | Up to 75% of the value of gold pledged as collateral |
| Processing Fees | Rs. 0 onwards and depends on the gold loan scheme availed |
| Penal Charges | 0.5% p.m (6% p.a) + GST on outstanding due amount |
| Part-payment / Pre-closure Charges | Nil |
Note: Interest Rates as on 20th November 2024
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IIFL Gold Loan Interest Rate
IIFL offers gold loans at interest rates ranging between 11.88% and 27% p.a. The final gold loan interest rates offered by the lender may vary as per the loan amount and repayment frequency.
IIFL Gold Loan Fees & Charges
IIFL Gold Loan Processing Fees
| Particulars | Charges |
| Processing Fees | Rs. 0 onwards and depends on the gold loan scheme availed |
Other Charges
| Particulars | Charges |
| MTM Charges | Rs 500 |
| Auction Charges | Rs 1,500 |
| Auction intimation charges | Rs 200 |
| SMS charges | Rs 5.90 per quarter |
Note: The above mentioned charges are inclusive of GST.
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Types of IIFL Gold loans
IIFL Gold Loan at Home
Purpose
IIFL Gold Loan at Home enables individuals to avail the loan at their doorstep to meet their personal, professional and business related needs by pledging gold as collateral.
Loan Tenure
The repayment tenure of IIFL Gold Loans at Home can go up to 2 years
LTV ratio
The LTV ratio for IIFL Gold Loans at Home can go up to 75% of the total value of gold pledged as collateral.
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IIFL Gold Loan for Women
Purpose
IIFL Gold Loan for Women enables both salaried and self-employed women procure funds to meet their personal, professional or business-related needs by pledging gold ornaments or jewellery as collateral/security.
Loan Tenure
The repayment tenure for availing IIFL Gold Loans for Women extends up to 2 years.
LTV ratio
The LTV ratio for availing Gold Loans for Women from IIFL can go up to 75% of the total value of gold pledged as security/collateral.
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IIFL MSME Gold Loan
Purpose
IIFL Gold Loan for MSME enables entrepreneurs to use the loan proceeds for taking care of their business related needs by pledging their gold ornaments or jewellery as collateral/security.
Loan Tenure
Loan applicants can avail IIFL MSME Gold Loans for tenures of up to 2 years
LTV ratio
The LTV ratio for availing MSME Gold Loans from IIFL can extend up to 75% of the total value of gold pledged as collateral or security.
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IIFL Gold Loan for Education
Purpose
IIFL Gold Loan for Education enables individuals to procure funds by pledging gold assets to fund their tuition fees, purchase study materials or managing the overall educational expenses.
Loan Tenure
The tenure for IIFL Educational Gold Loans can extend up to 2 years
LTV ratio
The LTV ratio for IIFL Educational Gold Loans can go up to 75% of the total value of gold pledged as security/collateral.
IIFL Agriculture Gold Loan
Purpose
IIFL Agricultural Gold Loan enables farmers to finance the purchase of seeds & fertilizers, invest in agricultural equipment or deal with unexpected exigencies.
Loan Tenure
Loan applicants can avail IIFL Agricultural Gold Loan with repayment periods of up to 2 years
LTV ratio
The LTV ratio for IIFL Agricultural Gold Loans can go up to 75% of the total value of the pledged gold.
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Eligibility Criteria for availing IIFL Gold Loan
The IIFL Gold Loan Eligibility criteria, as specified by the lender, are as follows:
- Salaried, non-salaried and self-employed individuals can avail this loan facility. The loan applicant need not submit any income proof for availing the gold loan
- Minimum Age: 18 years
- Maximum Age: 70 years (during loan disbursal) and 72 years (during loan renewal)
- The purity of the gold pledged as mortgage should be 18-22 carat.
IIFL Gold Loan Documents Required
IIFL Gold Loan applicants need to submit the below mentioned documents:
- Identity Proof: Aadhaar Card, Valid Passport, PAN Card (mandatory for gold loans above Rs 5 lakh, Valid Driving Licence, Voter ID Card and Bank Statement
- Address Proof: Aadhaar Card, Valid Passport, Ration Card, Electricity Bill, Valid Driving Licence, Voter ID Card and Bank Statement
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