IndusInd Bank Gold Loan
IndusInd Bank, established in 1994 and headquartered in Mumbai, offers a gold loan at an interest rate ranging from 10.01% to 15.5%, with a maximum loan amount of ₹1 crore and a maximum tenure of 36 months. The bank states disbursal occurs within one working day, gold is valued and sealed in the customer's presence, and an additional discount is offered to women borrowers and those in the agricultural profession.
No income proof is required for loans up to Rs 20 lakh, and the renewal processing fee was discontinued with effect from 1 Apr 2025. Required documentation includes identity proof, residence proof, photograph, and signature proof. Processing fee percentage, prepayment penalty percentage, minimum loan amount, minimum tenure, minimum CIBIL score, age limits, minimum salary, and employment type eligibility are not published for this product.
Documents required
- Identity proof
- residence proof
- photograph
- signature proof
As published by IndusInd Bank. Your branch may ask for more.
Eligibility
Loan terms
- Disbursal within one working day
- additional discount for women borrowers and agricultural profession
- gold valued and sealed in customer's presence
- no income proof needed for loans up to Rs 20 lakh
- renewal processing fee discontinued w.e.f. 1 Apr 2025
Fees & charges
FAQ
Up to 75% of the assessed gold value — the RBI loan-to-value cap. The rate depends on the lender and scheme, not your credit score.
Every row is date-stamped with the day we last checked it, and links to the lender’s published material so you can confirm it yourself. A row we confirmed against the source reads “Verified”; one we could only sight reads “as of”, and is not presented as confirmed. Anything we have not re-checked in 60 days is marked “rate under review” rather than left to look current. We do not claim a fixed re-checking cycle — the date on each row is the honest answer.
No. Viewing rates is not a credit enquiry and has no score impact. A hard enquiry happens only when you formally apply to a lender.