Gold Loan
Are you in urgent need of money? IDFC FIRST Bank can help!
Apply for a gold loan against your idle gold jewellery and enjoy attractive interest rates. Our seamless and hassle-free onboarding process makes it easy to apply and avail the best gold loan. IDFC FIRST Bank offers a digital and paperless journey for your gold loan. You simply have to bring your gold jewellery to our nearest Gold Loan branch to get started.
We understand the value of our customers’ time and are committed to disbursing gold loans with a minimal turnaround time. Upon application for a gold loan, we ensure the complete safety of your gold at our world-class vaults.
Why choose IDFC FIRST Bank Gold Loan?
Gold Loan Amounts for Varied Needs
Gold Loans starting at ₹25,001 and up to ₹75,00,000
Range of Repayment Plans
Choose from a wide range of repayment plans, such as Bullet, Monthly Interest & EMI.
Paperless Journey
Fully-paperless customer-onboarding process, including eKYC, eSign, and eMandate.
Fixed Gold Loan Rates
Fixed interest rates with no step-up
Instant Disbursal of Gold Loan up to 85% of your gold’s value
Get great Gold Loan rates & fulfil all your immediate financial needs with ease. We ensure quick disbursals of online Gold Loans
Your Responsibility, Ours Too
We understand the value of your gold jewellery and that’s why we secure it in in our state-of-the-art bank vaults.
Eligibility
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Customer Eligibility
- • All resident Indians (Salaried, Self-Employed, Housewife, Students, etc.) aged between 18 and 70 years are eligible for our Gold Loans.
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Collateral Eligibility
- • Accepted collateral:
- Gold jewellery of purity between 18 to 22 karats
- Bank-issued gold coins up to 50 grams per customer.
- • Non Acceptable:
- Gold ornaments below 18 karats
- Ornaments whose valuation cannot be done
- Bullion/other form of solid gold, which is not in form of an ornament
- Gold idols/bars/watches/utensils/other coins/ white gold are not acceptable
Documents required
- • Any valid identity/address proof such as Passport, Aadhaar card, Driver’s license, Voter Id
- • Bank passbook & Passport size photograph
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For Express disbursal:
- • Net Banking or Debit Card details to set up e-Mandate
- • e-Signature