ICICI Bank

ICICI Bank Gold Loan

Interest from

9.15%

p.a. reducing

Loan amount

₹50K – ₹2 Cr

secured

6–36 moTenure

1%Processing fee

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Calculate your EMI

Move the sliders to see monthly EMI, total interest, and total cost of this loan.

Loan amount₹3,00,000

Tenure1 year

Interest rate9.15%

Your actual rate depends on your credit profile, income, and employer category.

Monthly EMI

₹26,256

Total interest

₹15,076

Total payment

₹3,15,076

Processing fee (1%)

₹3,000

Total cost of this loan

✨ interest + processing fee

₹18,076

Interest Rate9.15% – 16.75%Floating

Max Amount₹2 Crfrom ₹50K

Tenure6 mo – 3 yrs

Processing Fee1%

✓ Best for

Higher-ticket gold loans (₹5L–₹2 Cr) — ICICI’s ₹2 Cr cap is the highest among private banks and supports business working-capital needs.

⚠ Not ideal for

Sub-₹50K small loans — minimum ticket ₹50K rules out micro-borrowers.

Key highlights

Starts as low as ₹10,000
High per-gram rate
Digital repayment

Total cost of this loan

For a ₹3 L loan over 1 yr at 9.15% — your best-case scenario.

Monthly EMI: ₹26,256
Total interest: ₹15,076
Processing fee (1%): ₹3,000
Total cost: ₹18,076

You repay ₹3,18,076 for ₹3,00,000 borrowed.

Customize amount, tenure & rate in the EMI calculator above ↑

Rate and prepayment

This is a floating-rate loan. No prepayment penalty — you can foreclose or pre-pay any amount at any time, free of charge (RBI mandate for floating-rate individual loans).

Compare ICICI Bank with other gold loan lenders

Data verified — last updated April 2026

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About ICICI Bank

Type: Bank
Established: 1994
Headquarters: Mumbai
Rating:4.1/5

Full-service private bank with iMobile-first digital lending. Home loans 8.50–10.05% floating, personal 10.85–16.65%, car from 8.50%, education repo+3.75% spread, gold 9.15–16.75%.

Visit ICICI Bank website