ICICI Gold Loan 2025 offers instant funds against gold ornaments with attractive interest rates, high loan-to-value (LTV) ratio, and doorstep service. Explore how to get quick financing using your gold assets, understand interest slabs, eligibility, required documents, and the step-by-step apply process.
If you are facing an emergency or need funds for personal, medical, educational, or business purposes, pledging your gold ornaments is one of the fastest and most cost-effective options. With no need to sell your gold, ICICI Bank allows you to retain ownership while unlocking up to ₹1.5 Crores in financing through its Gold Loan 2025 scheme.
This guide will help you explore all key aspects of ICICI Gold Loan 2025, including the latest interest rates, eligibility norms, repayment tenures, LTV ratios, online and offline application steps, EMI flexibility, and safety measures adopted by the bank.
Overview – ICICI Gold Loan 2025
| Feature | Details |
|---|---|
| Loan Amount | ₹10,000 to ₹1.5 Crores |
| Interest Rate | Starting at 9.00% p.a. |
| LTV Ratio | Up to 75% of gold value (RBI-guided) |
| Loan Tenure | 3 months to 24 months |
| Processing Fee | 1% or ₹999 (whichever is higher) |
| Security | 22K gold ornaments/jewellery |
| Disbursal Time | Within 30 minutes (branch) |
| Repayment Options | Bullet, EMI, or overdraft |
| Foreclosure Charges | Nil for bullet repayment loans |
Whether you’re salaried, self-employed, a farmer, or a homemaker, ICICI’s gold loan product is open to all individuals aged 18 and above with gold ornaments in their possession.
ICICI Gold Loan 2025 Interest Rates
ICICI Bank uses a risk-based pricing model, where interest is based on the loan amount, tenure, scheme type, and repayment option chosen.
Standard Gold Loan Interest Rate Slabs:
| Loan Amount | Repayment Type | Interest Rate (p.a.) |
|---|---|---|
| ₹10,000 – ₹2 Lakhs | Bullet repayment | 9.50% – 11.00% |
| ₹2 Lakhs – ₹10 Lakhs | Monthly interest | 10.50% – 12.50% |
| ₹10 Lakhs – ₹50 Lakhs | EMI or overdraft | 11.00% – 13.00% |
| Above ₹50 Lakhs | Custom slab | 10.25% onwards |
ICICI often introduces seasonal campaigns (like during Akshaya Tritiya or Dhanteras) with reduced processing fees and lower interest for rural and agri-customers.
ICICI Gold Loan Schemes Available in 2025
ICICI offers three main gold loan schemes to cater to different borrower needs.
Term Loan (EMI)
Repay loan in EMIs over 6 to 24 months
Interest rate: 11.5% onwards
Suitable for salaried or business users
Bullet Repayment Loan
Single payment at end of tenure
No monthly EMI
Tenure: 3, 6, or 12 months
Lower documentation
Overdraft (OD) Facility
Credit limit against gold
Pay interest only on used amount
Great for self-employed, traders, or seasonal users
You can also switch from bullet to EMI plan mid-tenure through customer support or NetBanking.
Eligibility Criteria for ICICI Gold Loan
| Criteria | Minimum Requirement |
|---|---|
| Age | 18 to 70 years |
| Occupation | Any (salaried, business, agriculture, homemaker) |
| Gold Purity | Minimum 18K, best value for 22K |
| Gold Type | Ornaments only (coins, bars not accepted) |
| Ownership | Must be in borrower’s name or blood relation |
| Minimum Loan Amount | ₹10,000 |
| Maximum LTV | Up to 75% as per RBI |
Mandatory Documents:
Aadhaar Card (for KYC)
PAN Card (for loans above ₹5 Lakhs)
Passport size photo
Address proof (utility bill, Voter ID, Driving License)
Optional (for specific schemes):
Income proof (only for EMI-based loans)
Business registration (for overdraft users)
Agricultural land proof (for agri-subsidised interest)
ICICI allows biometric e-KYC for faster branch disbursal or doorstep service eligibility.
How to Apply for ICICI Gold Loan 2025
Apply Online
Visit ICICI Gold Loan Page
Click “Apply Now”
Fill in basic details (name, mobile, city, income type)
Choose appointment slot (home pickup or branch)
Submit documents during gold valuation
Visit Nearest ICICI Branch
Carry original gold ornaments and KYC
Gold is valued by machine on the spot
Accept loan offer and sign agreement
Receive instant disbursal via bank account
ICICI iMobile App
Open iMobile Pay app > Loans > Gold Loan
Choose loan scheme and fill in gold details
Schedule home valuation or nearest branch visit
The entire process is completed within 30–60 minutes, with no hidden charges or pre-disbursal conditions.
ICICI Gold Loan EMI Calculator – Examples
Here are EMI examples for different tenures and loan amounts assuming an average rate of 11.5% p.a.
| Loan Amount | Tenure | EMI (Approx.) |
|---|---|---|
| ₹1,00,000 | 6 months | ₹17,320 |
| ₹2,50,000 | 12 months | ₹22,157 |
| ₹5,00,000 | 18 months | ₹30,046 |
| ₹8,00,000 | 24 months | ₹37,429 |
Use ICICI Gold Loan EMI Calculator for exact values.
Subsidy & Special Schemes – ICICI Gold Loan 2025
While ICICI gold loans are not directly subsidised under central government schemes, agriculture-based borrowers can avail lower interest rates and special benefits:
Agricultural Gold Loan Benefits:
Offered under Kisan Credit Card (KCC) model
Lower interest rates starting at 7% p.a.
Extended repayment periods (up to 3 years)
Processing fee waivers during campaign periods
Applicable for crop loans, irrigation, farm equipment, etc.
Borrowers must provide basic proof of agri-activity, such as:
Land ownership papers
Kisan Card
Crop receipts or mandi bills
You can inquire about this facility at any ICICI rural/agri-designated branch or via the customer care helpline.
Safety of Gold Ornaments at ICICI Bank
ICICI follows top-level safety protocols to ensure that pledged gold is secure until the loan is repaid:
24×7 monitored vaults with biometric access
Tamper-proof packaging in customer presence
SMS acknowledgment with gold weight and purity details
Full insurance coverage on stored gold
Digital snapshot taken during deposit
After loan closure, your gold is returned within 24 hours via in-person delivery or branch collection.
ICICI Gold Loan vs Other Bank Gold Loans – 2025 Comparison
| Feature | ICICI Bank | HDFC Bank | SBI | Axis Bank |
|---|---|---|---|---|
| Interest Rate | From 9.00% p.a. | From 9.50% p.a. | From 8.75% p.a. | From 10.00% p.a. |
| Max Tenure | 24 months | 24 months | 36 months | 30 months |
| Repayment Modes | Bullet, EMI, OD | Bullet, EMI | Bullet, EMI | EMI |
| LTV Ratio | Up to 75% | Up to 75% | Up to 75% | Up to 75% |
| Online Apply | Yes | Yes | Yes | Yes |
| Safety Measures | Biometric, insured | Safe vault | Vault + CCTV | Biometric vault |
ICICI stands out with faster disbursal, OD facility, and smoother app-based application compared to other banks.
ICICI Gold Loan – Smart Tips for 2025
Pledge only 22K jewellery to get higher LTV and lower interest
Opt for bullet repayment if you’re expecting a lump-sum income soon
Don’t default, as the bank is legally allowed to auction gold after 90+ days of default
Always take a gold loan over a personal loan when you need lower interest and quick processing
Compare schemes on iMobile before choosing tenure and interest type
Don’t pay excessive processing fees—seasonal waivers are often available
Apply through a pre-approved offer in the app for faster credit and less paperwork
Important Links For ICICI Gold Loan 2025
| ICICI Bank officials website | click here |
| home page | click here |
| Join WhatsApp group | join here |
Authoritative External Links
FAQs – ICICI Gold Loan 2025
Q1. What is the interest rate on ICICI Gold Loan in 2025?
Interest rates start at 9.00% p.a. and go up to 13.00% depending on scheme and repayment type.
Q2. What is the maximum amount I can borrow?
You can get up to ₹1.5 Crores based on the value and purity of your gold.
Q3. Do I need income proof for ICICI Gold Loan?
No. Income proof is not mandatory except for EMI-based loan schemes above ₹5 Lakhs.
Q4. How soon is the gold loan disbursed?
Usually within 30–60 minutes after document verification and gold valuation.
Q5. Is there any subsidy for farmers on ICICI Gold Loan?
Yes, agricultural borrowers may get lower rates starting at 7% p.a. under agri-gold loan schemes.
Q6. Can I apply online?
Yes, you can apply through ICICI website, iMobile Pay app, or call for doorstep service.
Q7. Is my gold safe with the bank?
Yes. ICICI provides insured, biometric vault storage with tamper-proof packing and digital recording.
Q8. What happens if I miss the repayment?
After 90 days of default, the bank may issue legal auction notices as per RBI rules.
Q9. What purity of gold is accepted?
Only gold ornaments of minimum 18K purity are accepted. Coins and bars are not eligible.
Q10. Can I repay the gold loan early?
Yes, you can foreclose your loan anytime without pre-closure charges under the bullet repayment plan.
Conclusion
ICICI Gold Loan 2025 is an excellent financing option for individuals seeking quick, secure, and low-interest funding without income proof or extensive documentation. With flexible repayment choices, attractive interest rates starting at 9.00% p.a., and digital onboarding through mobile or NetBanking, ICICI stands out as a top-tier lender in the gold loan segment.If you own idle gold jewellery and need urgent cash for personal, medical, education, or business use—this is one of the most efficient, trusted, and policy-safe ways to borrow without hassle. Use ICICI’s tools, check your eligibility online, and unlock the full value of your gold in 2025.