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Gold Loan

Features & Benefits

Gold Loan Features & Benefits

We know your gold is worth a thousand sentiments and opportunities. Presenting IndusInd Bank Gold Loans - Smart way to fund your dreams.

  • Swift : Walk in with Gold and walk out with Loan
  • Simple: Easy Documentation and Attractive Interest Rates. Additional discount for Women Borrowers and Agricultural Profession
  • Secure : Gold valued and sealed in your presence to ensure peace of mind
  • Smart : Lower outflow on a monthly basis as compared to various other forms of credit

Click here to download application form.

Click here for terms and conditions.


Gold loan eligibility

Any person who owns Gold, and is between 21 and 70 years can avail a Gold Loan for their Personal use or Business use. We have launched Gold Loans in select cities and plan to offer it in more locations, in the next few months.

Please see the List of locations where IndusInd Bank Gold Loans is available currently.

How to Apply

How to apply for gold loan

You can apply for a Gold Loan online. Please click on the Apply Now button on this page, fill in your details and submit. We will get back to you for further processing. Alternately, you can visit the nearest branch.


  • Identity Proof
  • Residence Proof
  • Photograph
  • Signature Proof

Note The Bank may seek additional documents for sanction of loan facility, where necessary.


Gold loan FAQs

Why take IndusInd Bank Gold Loan?

Whatever be your need, Gold Loan can serve as a smart loan solution to meet it. Experience it and enjoy the following benefits:

Swift loan - Our loan sanction and disbursal is one of the quickest with Simple documentation.
Transparency – All costs and charges are communicated up front while providing the loan quotation to help you make the best choice for you.
Interactive process – Our Bank officials will assist you at the branch during the processing of the Gold Loans and guide you through the different product offerings, enabling you to make the best choice for you.

What are the features of IndusInd Bank Gold Loan?

IndusInd Bank Gold Loans is a smart way to fund your dreams by unlocking the value of gold in your possession.
Loan Amount: You can get a loan upto INR 10,00,000
Immediate Loan: Gold Loan is the quickest possible form of loan to meet any immediate requirement you may have.
Security: Assurance of the security of your gold. The gold is sealed in your presence and vaulted in the safe keeping of the bank
Additionally, if you are an IndusInd Bank customer, you get easier repayment options and lesser documentation, making the loan process simpler for you.

What can a Gold Loan be used for?

Gold Loan can be used for any legitimate personal purpose or business purpose. The loan cannot be used for speculative purpose such as purchase of land or gold, capital market investments or any anti-social purpose.

What are the fees and charges for a Gold Loan?

The list of all the fees and charges to be paid for the loan:

Nature of Charge Amount to be paid
Processing Fee Upto 1% of loan amount subject to a minimum of INR 750.
Valuation Fee INR 300 for loan upto INR 2 lakh and INR 500 for loan over and above INR 2 lakh
Charges for late payment of loan amount 24% p.a. as penal interest over and above applicable rate of interest
Stamp duty and other statutory charges As per Applicable laws of the State
Credit assessment charges Not Applicable
Non-standard repayment charges Not Applicable
Outstation clearing charges Not Applicable
Cheque swapping charges Not Applicable
Loan cancellation / re-booking charges Not Applicable
Bounce Cheque Charges Not Applicable
Renewal Processing Fees Upto INR 550
Prepayment/Partpayment charges Upto 1% of outstanding amount

*Taxes and other charges on Gold loan shall be as applicable as per regulation and statutes

Click here to know more about Sechedule of Charges of Gold Loan

How do I approach IndusInd Bank for a Gold Loan?

Simply walk into any of our branches, in the select cities where we offer Gold Loans. Click here for list of locations where Gold Loan is available.

Interest Rates

Gold loan interest rates

Interest Rate Range of Gold Loans for Q1 2016-17:

LTV\ Ticket Size   Upto 3 Lacs 3 Lacs to 6 Lacs > 6 Lacs
Upto 65% Min 11.35 11.35 12.85
Max 15.5 15.5 14.75
> 65% Min 11.35 10.9 11.35
Max 15.5 15.5 15.35


Mean Weighted ROI

LTV\ Ticket Size Upto 3 Lacs 3 Lacs to 6 Lacs > 6 Lacs
Upto 65% 13.77 12.82 13.49
> 65% 13.31 11.95 11.77
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  • Daily balance upto 1 lac 4 %
  • Daily balance above 1 lac and upto 10 lac 5 %
  • Daily Balance above 10 lac 6 %

  • 1 year to 1 year 2 months 7.35 %
  • Indus Tax Saver Scheme - 5 years (upto Rs 1.5 lacs) 7.25 %
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