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Trusted & Easy Gold Loan In India

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Gold loan is a loan taken out by a borrower from a lender by pledging gold ornaments or coins as collateral. In simple terms, you give your gold to a lender as security and they give you money in return.  It's a popular type of secured loan because the approval process is fast and requires minimal documentation.

For those seeking a financial solution, ICL Fincorp offers a secure and accessible Gold Loan. Recognizing the versatile nature of gold, we provide financial assistance that can be used for a wide range of needs, from business requirements to personal emergencies and educational pursuits. Our simple and transparent process ensures that obtaining a loan is an easy gold loan experience. With more than 300 branches available, finding a reliable Gold Loan from ICL is convenient. We are committed to financial inclusion, providing this service on fair terms to all segments of society, and we prioritize the utmost safety and security of your valuable gold assets.

•  Maximum Value 

•  Quick Disbursal

•  Minimum Interest

Salient Features of Our Gold Loan Services

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Obtain Gold Loans With Simple Procedures
Services
Get Instant Cash Against the Pledged Gold
Services
Instalment Basis Repayment

GOLD LOAN SCHEMES

ICL Fincorp has different gold loan schemes. Choose the one that suits your requirements and eligibility.

ICL MICRO GOLD LOAN

Loan Amount: Maximum Rs.2,50,000/- (including Accrued Interest)
Interest Rate: 26%
LTV: 85%
Duration: 180 Days
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ICL - VANITHA GOLD LOAN

Loan Amount: Maximum Rs.50,000/-
Interest Rate: 24%
LTV: 85%
Duration: 180 Days
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ICL SMART GOLD LOAN -1

Loan Amount: Max-2,50,000/-
Interest Rate: 28%
LTV: 85%(With Accrued Interest)
Duration: 180 Days
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ICL SMART GOLD LOAN -2

Loan Amount: Above Rs.2,50,000 – Rs.5,00,000
Interest Rate: 28%
LTV: 80%
Duration: 180 Days
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ICL SMART GOLD LOAN -3

Loan Amount: Above Rs. 5 lakhs to 100 lakhs
Interest Rate: 28%
LTV: 75%
Duration: 180 Days
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ICL SMART BULLET GOLD LOAN

Loan Amount: Rs.5,000/- to Rs.2,50,000/-
Interest Rate: 24%
LTV: 85%
Duration: 180 Days
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ICL EMI18

Loan Amount: Rs.50,000 to Rs. 5,00,000/-
Interest Rate: 9%
LTV: 65%
Duration: 18 Months
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ICL EMI 24

Loan Amount: Rs.1,00,000/- to Rs.3,00,000/-
Interest Rate: 12%
LTV: 70%
Duration: 24 Months
Learn More
ICL MICRO GOLD LOAN Gold Loan (ICL MICRO GOLD LOAN)

The details of the scheme are as follows:

Scheme Name Loan Amount Interest Rate LTV Duration Proccessing Fee
ICL MICRO GOLD LOAN Maximum Rs.2,50,000/- (including Accrued Interest) 26% 85% 180 Days 100
  • Prescribed LTV ratio should be maintained on an ongoing basis throughout the tenor of the loan without any deviation.
  • Processing charge of Rs.100/-will be collected at the time of disbursement.
  • Interest can be paid on or before each 30 days from the date of disbursement/ previous interest payment. (In-case of holidays interest should be paid prior to that day). If interest is paid on or before each 30 days, the below slab rates will apply.
  • After the loan duration, if the loan remains unsettled Penal charges will be 2% PM for the balance outstanding amount.
  • LTV must be calculated on Total Outstanding (Principal + Accrued Interest)
  • LTV should be maintained throughout the loan tenure
  • If the interest not served for continuous 90 days, then the auction procedures will be initiated.
  • Applicable for PAN INDIA branches.
  • Effective date April 01, 2026

Slab Rates:

Sl No Days Interest Rate Rate after rebate
1 1-30 Days 8% 18%
2 31-60 Days 6% 20%
3 61-90 Days 2% 24%
4 91-365 Days Nil 26%
ICL - VANITHA GOLD LOAN Gold Loan (ICL - VANITHA GOLD LOAN)

The details of the scheme are as follows:

Scheme Name Loan Amount Interest Rate LTV Duration Proccessing Fee
ICL - VANITHA GOLD LOAN Maximum Rs.50,000/- 24% 85% 180 Days Rs.100/-
  • This is a 30-day interest payment scheme.
  • Prescribed LTV ratio should be maintained on an ongoing basis throughout the tenor of the loan without any deviation.
  • Processing charges will be Rs.100/-.
  • Interest can be paid on or before each 30 days from the date of disbursement/ previous interest payment. (In-case of holidays interest should be paid prior to that day). If interest is paid on or before each 30 days, the below slab rates will apply.
  • LTV must be calculated on Total Outstanding (Principal + Accrued Interest)
  • LTV should be maintained throughout the loan tenure
  • After the loan duration, if the loan remains unsettled penal charges will be 2% PM for the balance outstanding amount.
  • If the interest not served for continuous 90 days, then the auction procedures will be initiated.
  • Applicable for PAN INDIA branches.
  • Effective date April 01, 2026
  • Applicable only to female applicant.

Slab Rates:

Sl No Days Interest Rate Rate after rebate
1 1-30 Days 9% 15%
2 31-60 Days 4% 20%
3 61-90 Days 2% 22%
4 91-180 Days Nil 24%
ICL SMART GOLD LOAN -1 Gold Loan (ICL SMART GOLD LOAN -1)

The details of the scheme are as follows:

Scheme Name Loan Amount Interest Rate LTV Duration Proccessing Fee
ICL SMART GOLD LOAN -1 Max-2,50,000/- 28% 85%(With Accrued Interest) 180 Days Rs.100/- or 0.05%
  • This is a 30 days interest payment scheme.
  • Prescribed LTV ratio should be maintained on an ongoing basis throughout the tenor of the loan without any deviation.
  • Prescribed LTV ratio should be maintained on an ongoing basis throughout the tenor of the loan without any deviation.
  • Interest can be paid on or before each 30 days from the date of disbursement/ previous interest payment. (In-case of holidays interest should be paid prior to that day). If interest is paid on or before each 30 days, the below slab rates will apply.
  • LTV must be calculated on Total Outstanding (Principal + Accrued Interest)
  • LTV should be maintained throughout the loan tenure
  • After the loan duration, if the loan remains unsettled penal charges will be 2% PM for the balance outstanding amount.
  • If the interest not served for continuous 90 days, then the auction procedures will be initiated.
  • Applicable for PAN INDIA branches
  • Effective date April 01, 2026

Slab Rates:

Sl No Days Interest Rate Rate after rebate
1 1-30 Days 6% 22%
2 31-60 Days 4% 24%
3 61-90 Days 2% 26%
4 91-180 Days Nil 28%
ICL SMART GOLD LOAN -2 Gold Loan (ICL SMART GOLD LOAN -2)

The details of the scheme are as follows:

Scheme Name Loan Amount Interest Rate LTV Duration Proccessing Fee
ICL SMART GOLD LOAN -2 Above Rs.2,50,000 – Rs.5,00,000 28% 80% 180 Days Rs.100/- or 0.05%
  • This is a 30 days interest payment scheme.
  • Prescribed LTV ratio should be maintained on an ongoing basis throughout the tenor of the loan without any deviation.
  • Processing charges will be minimum of Rs.100/- or 0.05% of loan amount whichever is higher.
  • Interest can be paid on or before each 30 days from the date of disbursement/ previous interest payment. (In-case of holidays interest should be paid prior to that day). If interest is paid on or before each 30 days, the below slab rates will apply.
  • LTV must be calculated on Total Outstanding (Principal + Accrued Interest)
  • LTV should be maintained throughout the loan tenure
  • After the loan duration, if the loan remains unsettled penal charges will be 2% PM for the balance outstanding amount.
  • If the interest not served for continuous 90 days, then the auction procedures will be initiated
  • Applicable for PAN INDIA branches
  • Effective date April 01, 2026

Slab Rates:

Sl No Days Interest Rate Rate after rebate
1 1-30 Days 8% 20%
2 31-60 Days 6% 22%
3 61-90 Days 4% 24%
4 91-180 Days Nil 28%
ICL SMART GOLD LOAN -3 Gold Loan (ICL SMART GOLD LOAN -3)

The details of the scheme are as follows:

Scheme Name Loan Amount Interest Rate LTV Duration Proccessing Fee
ICL SMART GOLD LOAN -3 Above Rs. 5 lakhs to 100 lakhs 28% 75% 180 Days Rs.100/- or 0.05%
  • This is a 30 days interest payment scheme.
  • Prescribed LTV ratio should be maintained on an ongoing basis throughout the tenor of the loan without any deviation.
  • Processing charges will be minimum of Rs.100/- or 0.05% of loan amount whichever is higher
  • Interest can be paid on or before each 30 days from the date of disbursement/ previous interest payment. (In-case of holidays interest should be paid prior to that day). If interest is paid on or before each 30 days, the below slab rates will apply.
  • LTV must be calculated on Total Outstanding (Principal + Accrued Interest)
  • LTV should be maintained throughout the loan tenure
  • After the loan duration, if the loan remains unsettled penal charges will be 2% PM for the balance outstanding amount.
  • If the interest not served for continuous 90 days, then the auction procedures will be initiated.
  • Applicable for PAN INDIA branches
  • Effective date April 01, 2026

Slab Rates:

Sl No Days Interest Rate Rate after rebate
1 1-30 Days 10% 18%
2 31-60 Days 6% 22%
3 61-90 Days 4% 24%
4 91-180 Days Nil 28%
ICL SMART BULLET GOLD LOAN Gold Loan (ICL SMART BULLET GOLD LOAN)

The details of the scheme are as follows:

Scheme Name Loan Amount Interest Rate LTV Duration Proccessing Fee
ICL SMART BULLET GOLD LOAN Rs.5,000/- to Rs.2,50,000/- 24% 85% 180 Days Rs.100/- or 0.05%
  • Bullet repayment- Entire principal and accumulated interest in a single Payment at the end of the Loan duration.
  • Prescribed LTV ratio shall be maintained on an ongoing basis throughout the tenor of the loan.
  • Processing charges will be a minimum of Rs.100/- or 0.05% of loan amount whichever is higher.
  • LTV must be calculated on Total Outstanding (Principal + Accrued Interest)
  • LTV should be maintained throughout the loan tenure
  • After the loan duration, if the loan remains unsettled penal charges will be 2% PM for the balance outstanding amount.
  • Applicable for PAN INDIA branches.
  • Effective date April 01, 2026

Slab Rates:

Sl No Days Interest Rate Rate after rebate
1 1-180 Days Nil 24%
ICL EMI18 Gold Loan (ICL EMI18)

The details of the scheme are as follows:

Scheme Name Loan Amount Interest Rate LTV Duration Proccessing Fee
ICL EMI18 Rs.50,000 to Rs. 5,00,000/- 9% 65% 18 Months Rs.100/- or 0.05%
  • This is an18 Month monthly EMI scheme.
  • Processing charges will be a minimum of Rs.100/- or 0.05% of loan amount whichever is higher.
  • Monthly EMI to be paid on or before the due date as per the chart.
  • There will be 2% penal charge p.m. on the EMI if the EMI not remitted on the due date till the date of remittance.
  • After the loan duration, penal charges will @ 3% p.m. for the principle out standing on the day of maturity.
  • In case of foreclosure of EMI loans, interest will be recalculated at 24% on the outstanding amount for the actual period of utilization
  • Applicable for PAN INDIA branches.
  • Applicable only to a salaried /Business person only

Slab Rates:

Sl No Days Interest Rate Rate after rebate
1 1-18 Months 9% 9%
ICL EMI 24 Gold Loan (ICL EMI 24)

The details of the scheme are as follows:

Scheme Name Loan Amount Interest Rate LTV Duration Proccessing Fee
ICL EMI 24 Rs.1,00,000/- to Rs.3,00,000/- 12% 70% 24 Months Rs.1,00,000 – Rs.2,00,000 Rs. 250,Above Rs.2,00,001 – Rs.3,00,000 Rs. 500
  • Monthly EMI to be paid on or before the due date as per the chart.
  • There will be 2% penal charge p.m. on the EMI if the EMI not remitted on the due date till the date of remittance.
  • After the loan duration, penal charges will charge @ 3% p.m. for the principle outstanding on that day of maturity.
  • In case of foreclosure of EMI loans, interest will be recalculated at 24% on the outstanding amount for the actual period of utilization
  • Applicable for PAN INDIAbranches.
  • Effective date April 01, 2026
  • Applicable only to a salaried /Business person only

Slab Rates:

Sl No Days Interest Rate Rate after rebate
1 1-24 Months 12% 12%

Get in Touch With Us

We are always ready to hear your valuable feedback and suggestions. If you have any queries regarding our services, don’t hesitate to dial us.

Email info@iclfincorp.com Phone 1800 31 333 53
Time Opening Hours: Monday - Saturday: 9:00 AM to 5:30 PM
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