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.

Key Features

Go ahead and fulfil all your dreams with IDFC FIRST Bank Gold Loans!

Gold Loans starting at Rs. 10,000 and up to Rs. 50,00,000

Wide range of repayment plans, such as Bullet, Monthly interest and EMI

Fully-digital customer-onboarding process, including eKyc, eSign and eMandate

Fixed interest rates with no step-up

No income documents required

Eligibility

  • Customer Eligibility

    • • All resident Indians (Salaried, Self-Employed, Housewife, Students, etc.) aged between 18 and 70 years are eligible for our Gold Loans.

  • 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

  • For Express disbursal:

    • • Net Banking or Debit Card details to set up e-Mandate
    • • e-Signature