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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.

Click here to download Loan Agreement.


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 Q4 2019-20:
Minimum Mean Maximum
10.50% 12.75% 16.00%
Gold Loan Annual Percentage Rate (APR) for FY 2019-20
Minimum Mean Maximum
10.50% 12.82% 16.00%
Processing Fee - 1%
Valuation Charges -
for loan amount up to 2 lacs :Rs.500/-
for loan amount greater than 2 Lacs :Rs.750/-





Fulfilled my dream of opening a restaurant

My husband and I wanted to open our own restaurant but didn’t have enough money. We chose to apply for a gold loan at IndusInd Bank. We got a gold loan easily against my gold jewellery with attractive and easy repayment options. Today we have a flourishing business. Thank you, IndusInd Bank.

Reviewer: Sudeshna Mukherjee, Kolkata, July 02, 2018


Perfect value for your gold

Getting such a good amount of money against the gold was a surprise. Further, being a woman, I got additional discounts on my gold loan application. Kudos to IndusInd Bank for making the whole process so hassle free and customer friendly. I recommend IndusInd Bank to all.

Reviewer: Mitali Kashyap, Lucknow, June 30, 2018


Great customer service

A friend advised me to apply for a gold loan at IndusInd Bank. The customer service executives were of a big help and within a single day, my gold loan application was approved. With minimum documentation and without any useless delays, I quickly received the money against my gold.

Reviewer: Rohan Pandey, Delhi, June 28, 2018


Easy repayment options

I needed money immediately for my father’s surgery. A relative suggested that I apply for a gold loan. I opted for IndusInd Bank’s gold loans. The interest rate charged was acceptable, and the whole process was smooth. I was quickly granted a loan.

Reviewer: Amritha Sheshadri, Bangalore, June 24, 2018


Safe and Transparent Gold Loans

I wanted to start my own business but lacked money for initial investment. I came across IndusInd Bank’s gold loans and was amazed at their hassle free procedure. I was confidend that my gold was in safe hands, and there were no hidden charges. I got the perfect value for my gold.

Reviewer: Jaikish Mudiraj, Hyderabad, June 22, 2018


Gold – Sealed away in safety!

Getting a gold loan from IndusInd Bank was very easy and quick. Since I was already an IndusInd Bank customer, my application needed fewer documents and I got better repayment options. The bank executives also explained everything to me before I signed the loan documents. Thank you, IndusInd Bank for such great service.


Interest rates make Gold Loan effortless

Compared to the other banking institutions, IndusInd Bank offers Gold Loans at a decent rate of interest and this is a boon for an average person in possession of gold which has historical but not monetary value


Gold Loans up to 10 lakhs at IndusInd Bank

It is quite unimaginable to get a gold loan up to 10 lakhs especially when the rate of interest keeps fluctuating every other day. But thanks to IndusInd Bank, it makes the unimaginable possible.


IndusInd makes Gold Loan Easy

Thanks to IndusInd Bank's Gold Loan, the smart solution meets the requirement of an average income group householder. All the costs and charges are communicated beforehand, and the customer goes home satisfied as there are no hidden charges and the officials of the bank guide the customer at each and every step, enabling the receiver to make the best choice.


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