Unlock Your Gold Potential for investment

Take advantage of the value tied up in your gold by opting for an IIFL

Gold Loan


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Gold Loan Interest Rates and Charges

IIFL offers some of the most attractive gold loan interest rates in India, helping you to borrow more and pay less. We understand that our customers want to know exactly how much they'll be paying for their loans before they apply, so we strive to provide complete transparency when it comes to our gold loan charges. We've ensured that all relevant terms and conditions related to our gold loans are clearly outlined and easy to access.

Applicable Gold Loan Interest Rate and Charges

When it comes to our gold loan rates and charges, IIFL offers some of the most competitive interest rates in the market. Our applicable gold loan interest rate starts from 0.99% per month (as of date), giving you access to flexible repayment options that suit your financial situation.


    0.99% onward p.m.

    (11.88% - 27% p.a.)

  • Rates vary according to the loan amount and repayment frequency

    ₹0 onwards

  • Varies depending on scheme availed


  • Valuing an asset to reflect its current market rate


  • Auction Intimation Charges: ₹200

Calculation of Business Loan Interest Rate

IIFL offers an online Business Loan EMI Calculator that allows you to calculate your loan EMI before applying for a business loan or any other type of loan. You can access the online EMI calculator by providing basic loan details such as loan amount, repayment tenure, and interest rate. Once you enter these details, the calculator will automatically calculate the loan EMI. However, our experts will define the exact EMI at the time of loan approval.

Additional Charges

There are no additional charges or hidden costs associated with our gold loan services, so you can trust that the price you're quoted is the price you'll pay. We offer our customers a range of flexible repayment options to suit their individual needs, including weekly, monthly and quarterly installments. You can also choose to pre-pay your loan at any time without incurring a penalty fee.

For more information about IIFL's gold loan rates and charges, please contact us today. We would be happy to answer any questions you may have.

Calculation of Gold Loan Interest Rate

To determine the exact gold loan interest rate and charges you will be paying, we first calculate your total loan amount. This is done by multiplying the current market price of gold with the weight of gold pledged. The applicable rate of interest and other charges are then added to this amount to arrive at your final loan cost.

At IIFL, we make it easy for you to understand exactly what you'll be paying for your gold loan so that there are no surprises down the line. Our goal is always to provide our customers with a cost-effective solution that meets their financial needs.


What is the minimum loan amount I can avail?

Minimum eligible loan amount for a loan is Rs. 3000 or market value of 1gm gold whichever is maximum.


Select from a variety of convenient tenure flexibility up to 24 months.

Is there any collateral required for availing a gold loan?

No, all you need to avail an IIFL Gold Loan is your gold and other necessary documents. No other form of collateral is required.

Is there a penalty for prepayment of loans?

No, there are no penalties for prepayment or closure of loans taken against gold with IIFL Finance.

How long does it take for approval and disbursal?

We offer quick and instant approval upon submission of all required documents, with loan disbursal within 24 hours.

What is the minimum loan amount I can avail?

The minimum loan amount you can avail depends on the value of your gold and the market rate at which it can be sold in the event of default.