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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

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

GOLD LOAN SCHEMES

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

1. ICL 136 (30 Days Interest Payment Scheme)

Loan Amount: 500000/- to Unlimited
Interest Rate: 23%
LTV: 75%
Duration: 90 Days
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ICL 137 (30 Days Interest Payment Scheme)

Loan Amount: 5000/- to Unlimited
Interest Rate: 22%
LTV: 65%
Duration: 90 Days
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ICL 138 (30 Days Interest Payment Scheme)

Loan Amount: 5000/- to Unlimited
Interest Rate: 20%
LTV: 60%
Duration: 90 Days
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ICL 139 (30 Months Installment Payment Scheme)

Loan Amount: 3,00,000/- to 500000
Interest Rate: 12.50%
LTV: 75%
Duration: 30 Months
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ICL 140 (24 Months Installment Payment Scheme)

Loan Amount: 100000/- to 299000
Interest Rate: 12%
LTV: 75%
Duration: 24 Months
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ICL 141 (30 Days Interest Payment Scheme)

Loan Amount: 5000/- to Unlimited
Interest Rate: 26%
LTV: 75%
Duration: 90 Days
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ICL Mahila

Loan Amount: 50000/- to Unlimited
Interest Rate: 22%
LTV: 75%
Duration: 90 Days
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ICL Senior (30 Days Interest Payment Scheme)

Loan Amount: 100000- to Unlimited
Interest Rate: 21%
LTV: 75%
Duration: 90 Days
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ICL 142 (18 Months Installment Payment Scheme)

Loan Amount: 5000/- to Unlimited
Interest Rate: 9%
LTV: 60%
Duration: 18 Months
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ICL KA01

Loan Amount: Maximum -75 lakhs
Interest Rate: 26%
LTV: 75%
Duration: 180 Days
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1. ICL 136 (30 Days Interest Payment Scheme) Gold Loan (1. ICL 136 (30 Days Interest Payment Scheme))

The details of the scheme are as follows:

Scheme Name Loan Amount Interest Rate LTV Duration Proccessing Fee
1. ICL 136 (30 Days Interest Payment Scheme) 500000/- to Unlimited 23% 75% 90 Days 100/- (At the time of Disbursement)
  • This is a 30 days interest payment scheme.
  • Processing charges Rs.100/- will be collected at the time of disbursement
  • Interest to be paid on or before each 30 days from the date of disbursement/ previous interest payment
  • After the loan duration, 2% Penal interest for the balance outstanding amount
  • Applicable to PAN INDIA
  • Effective date 20.05.2024

Slab Rates:

Sl No Days Interest Rate Rate after rebate
1 1-30 Days 8% 15%
2 31-60 Days 4% 19%
3 61-90 Days Nil 23%
4 After 90 Days 2% Penal interest for the balance outstanding amount. --
ICL 137 (30 Days Interest Payment Scheme) Gold Loan (ICL 137 (30 Days Interest Payment Scheme))

The details of the scheme are as follows:

Scheme Name Loan Amount Interest Rate LTV Duration Proccessing Fee
ICL 137 (30 Days Interest Payment Scheme) 5000/- to Unlimited 22% 65% 90 Days Rs.50/- up to 5 lakhs and Rs.100/- above 5.01 lakhs (At the time of Disbursement)
  • This is a 30 days interest payment scheme.
  • Processing charges will be collected at the time of disbursement based on the loan amount. i.e. Rs.50/- up to 5 lakhs and Rs.100/- above 5.01 lakhs
  • Interest to be paid on or before each 30 days from the date of disbursement/ previous interest payment
  • After the loan duration, 2% Penal interest for the balance outstanding amount
  • ? Applicable to PAN INDIA
  • ? Effective date 20.05.24

Slab Rates:

Sl No Days Interest Rate Rate after rebate
1 1-30 Days 8% 14%
2 61-90 Days Nil 22%
3 After 90 Days 2% Penal interest for the balance outstanding amount. --
ICL 138 (30 Days Interest Payment Scheme) Gold Loan (ICL 138 (30 Days Interest Payment Scheme))

The details of the scheme are as follows:

Scheme Name Loan Amount Interest Rate LTV Duration Proccessing Fee
ICL 138 (30 Days Interest Payment Scheme) 5000/- to Unlimited 20% 60% 90 Days Rs.50/- up to 5 lakhs and Rs.100/- above 5.01 lakhs (At the time of Disbursement)
  • This is a 30 days interest payment scheme.
  • Processing charges will be collected at the time of disbursement based on the loan amount. i.e. Rs.50/- up to 5 lakhs and Rs.100/- above 5.01 lakhs
  • Interest to be paid on or before each 30 days from the date of disbursement/ previous interest payment
  • After the loan duration, 2% Penal interest for the balance outstanding amount
  • Applicable to PAN INDIA
  • Effective date 20.05.2024

Slab Rates:

Sl No Days Interest Rate Rate after rebate
1 1-30 Days 8% 12%
2 31-60 Days 4% 16%
3 61-90 Days Nil 20%
4 After 90 Days 2% Penal interest for the balance outstanding amount. --
ICL 139 (30 Months Installment Payment Scheme) Gold Loan (ICL 139 (30 Months Installment Payment Scheme))

The details of the scheme are as follows:

Scheme Name Loan Amount Interest Rate LTV Duration Proccessing Fee
ICL 139 (30 Months Installment Payment Scheme) 3,00,000/- to 500000 12.50% 75% 30 Months Rs.150/- At the time of Disbursement)
  • This is a 30 Months monthly EMI scheme.
  • Processing charges will be collected at the time of disbursement Rs.150/-
  • Monthly EMI to be paid on or before the due date as per the chart.
  • There will be 2% penal charge on the EMI if the EMI not remitted on the due date till the date of remittance.
  • After the loan duration, penal interest will charge @ 3% for the principle out standing on that day of maturity.
  • Applicable to PAN INDIA
  • Effective date 20.05.2024
  • Applicable only to a salaried /Business person only

Slab Rates:

Sl No Days Interest Rate Rate after rebate
1 NIL NIL NIL
ICL 140 (24 Months Installment Payment Scheme) Gold Loan (ICL 140 (24 Months Installment Payment Scheme))

The details of the scheme are as follows:

Scheme Name Loan Amount Interest Rate LTV Duration Proccessing Fee
ICL 140 (24 Months Installment Payment Scheme) 100000/- to 299000 12% 75% 24 Months Rs.100/- At the time of Disbursement
  • This is a 24 Months monthly EMI scheme.
  • Processing charges will be collected at the time of disbursement Rs.100/-
  • Monthly EMI to be paid on or before the due date as per the chart.
  • There will be 2% penal charge on the EMI if the EMI not remitted on the due date till the date of remittance.
  • After the loan duration, penal interest will charge @ 3% for the principle outstanding on that day of maturity.
  • Applicable to PAN INDIA
  • Effective date 20.05.24
  • Applicable only to a salaried /Business person only-

Slab Rates:

Sl No Days Interest Rate Rate after rebate
1 NIL NIL NIL
ICL 141 (30 Days Interest Payment Scheme) Gold Loan (ICL 141 (30 Days Interest Payment Scheme))

The details of the scheme are as follows:

Scheme Name Loan Amount Interest Rate LTV Duration Proccessing Fee
ICL 141 (30 Days Interest Payment Scheme) 5000/- to Unlimited 26% 75% 90 Days Rs.50/- At the time of Disbursement.
  • This is a 30 days interest payment scheme.
  • Processing charges Rs.50/- will be collected at the time of disbursement
  • Interest to be paid on or before each 30 days from the date of disbursement/ previous interest payment
  • After the loan duration, 2% Penal interest for the balance outstanding amount
  • Applicable to PAN INDIA
  • Effective date 20.05.2024

Slab Rates:

Sl No Days Interest Rate Rate after rebate
1 1-30 Days 8% 18%
2 31-60 Days 4% 22%
3 61-90 Days 0 --
4 After 90 Days 2% Penal interest for the balance outstanding amount. --
ICL Mahila Gold Loan (ICL Mahila)

The details of the scheme are as follows:

Scheme Name Loan Amount Interest Rate LTV Duration Proccessing Fee
ICL Mahila 50000/- to Unlimited 22% 75% 90 Days Rs.50/- up to 5 lakhs and Rs.100/- above 5.01 lakhs (At the time of Disbursement)
  • This is a 30 days interest payment scheme.
  • Processing charges will be collected at the time of disbursement based on the loan amount. i.e. Rs.50/- up to 5 lakhs and Rs.100/- above 5.01 lakhs
  • Interest to be paid on or before each 30 days from the date of disbursement/ previous interest payment
  • After the loan duration, 2% Penal interest for the balance outstanding amount
  • Applicable to PAN INDIA
  • Effective date 15.05.24
  • Applicable only to female applicant

Slab Rates:

Sl No Days Interest Rate Rate after rebate
1 1-30 Days 6% 16%
2 31-60 Days 3% 19%
3 61-90 Days Nil 22%
4 After 90 Days 2% Penal interest for the balance outstanding amount. --
ICL Senior (30 Days Interest Payment Scheme) Gold Loan (ICL Senior (30 Days Interest Payment Scheme))

The details of the scheme are as follows:

Scheme Name Loan Amount Interest Rate LTV Duration Proccessing Fee
ICL Senior (30 Days Interest Payment Scheme) 100000- to Unlimited 21% 75% 90 Days Rs.50/- up to 5 lakhs and Rs.100/- above 5.01 lakhs (At the time of Disbursement)
  • This is a 30 days interest payment scheme
  • Processing charges will be collected at the time of disbursement based on the loan amount. i.e. Rs.50/- up to 5 lakhs and Rs.100/- above 5.01 lakhs
  • Interest to be paid on or before each 30 days from the date of disbursement/ previous interest payment
  • After the loan duration, 2% Penal interest for the balance outstanding amount
  • Applicable to PAN INDIA
  • Effective date 16.05.2024
  • Applicable only for senior citizens above 60 age

Slab Rates:

Sl No Days Interest Rate Rate after rebate
1 1-30 Days 6% 15%
2 31-60 Days 3% 18%
3 61-90 Days Nil 21%
4 After 90 Days 2% Penal interest for the balance outstanding amount. --
ICL 142 (18 Months Installment Payment Scheme) Gold Loan (ICL 142 (18 Months Installment Payment Scheme))

The details of the scheme are as follows:

Scheme Name Loan Amount Interest Rate LTV Duration Proccessing Fee
ICL 142 (18 Months Installment Payment Scheme) 5000/- to Unlimited 9% 60% 18 Months Rs.100/- At the time of Disbursement
  • This is an 18 Months monthly EMI scheme.
  • Processing charges will be collected at the time of disbursement Rs.100/-
  • Monthly EMI to be paid on or before the due date as per the chart.
  • There will be 2% penal charge on the EMI if the EMI not remitted on the due date till the date of remittance.
  • After the loan duration, penal interest will charge @ 3% for the principle out standing on that day of maturity.
  • Applicable to PAN INDIA
  • Effective date 16.05.24
  • Applicable only to a salaried /Business person only-

Slab Rates:

Sl No Days Interest Rate Rate after rebate
1 NIL NL NIL
ICL KA01 Gold Loan (ICL KA01)

The details of the scheme are as follows:

Scheme Name Loan Amount Interest Rate LTV Duration Proccessing Fee
ICL KA01 Maximum -75 lakhs 26% 75% 180 Days 100
  • This is a 60 days interest payment scheme.
  • Processing charge (i.e. Rs.100/-) will be collected at the time of disbursement.
  • Stamp duty as per respective State Stamp Act to be collected at the time of disbursement.
  • Interest to be paid on or before each 60 days from the date of disbursement/ previous interest payment(In-case of holidays interest should be paid prior to that day).
  • After the loan duration, if the loan remains unsettled penal charges will be 2% for the balance outstanding amount.
  • Applicable for Karnataka branches
  • Effective date 12-09-2025

Slab Rates:

Sl No Days Interest Rate Rate after rebate
1 1-60 Days 8% 18%
2 61-120 Days 4% 22%
3 121-180 Days Nil 26%
4 After 180 Days 2% Penal charges for the balance outstanding / unsettled amount. --

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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