What is gold loan eligibility?

In order to be eligible to apply for a Gold Loan from IIFL Finance, you must be between 18 and 70 years of age and provide valid identity and address proof, such as Aadhaar Card, PAN Card, Passport, Voter ID Card, Driving License, utility bills, bank statements, or lease agreements. If you meet these simple eligibility criteria, you can unlock the value of your gold assets to meet your financial needs.

How much loan can i get on gold from IIFL Finance?

The gold loan amount that you can borrow from IIFL Finance depends on its quality or purity and the market value of gold at the time of application. You can avail of a maximum loan of up to 75% of your gold's market value, based on its purity and other factors. So if your gold is valued at â‚¹100,000, you can borrow up to â‚¹75,000.

How is gold loan calculated?

The gold loan is calculated by taking into consideration the quality of the pledged gold and its market value. The gold loan calculator on IIFL Finance's website simplifies things for you. Simply enter the weight of your gold, and the calculator will show you the maximum loan amount you can avail. The market value is calculated using the 30-day average rate of 22-karat gold, ensuring a fair and transparent process.

What is the minimum limit for IIFL Gold Loan?

To avail a gold loan from IIFL Finance, the minimum amount you can borrow is either â‚¹3,000 or the value of 1 gram of gold on the day of application, whichever is higher. In simple words, even with a small amount of gold, you can access funds when you need them most.

What is the maximum/minimum tenure of Gold Loan from IIFL Finance?

The repayment tenure for a gold loan from IIFL Finance will depend on the scheme that you have applied for. You can opt for a flexible repayment period ranging from a minimum of 3 months to a maximum of 2 years, allowing you to plan your repayments according to your financial convenience.

Do you need to have a guarantor to apply for gold loan?

No, there is no need for a guarantor to apply for a gold loan from IIFL Finance.

What are the different types of gold ornaments that you can pledge to get a loan from IIFL Finance?

Ornaments like rings, necklaces, bracelets, gold chains, earrings, pendants, bangles, anklets etc can be pledged to get a gold loan from IIFL Finance.

What documents are required to apply for gold loan?

To apply for a gold loan from IIFL Finance, you will need to provide documents that verify your identity and address. Acceptable identity proofs include Aadhaar Card, valid passport, PAN Card, valid Driving License, or Voter's ID card. For address proof, you can submit any of the aforementioned documents along with an Electricity Bill or Bank Statement.

What are the repayment options for an IIFL Gold Loan?

IIFL Gold Loan offers various repayment options, including EMIs and bullet repayment, allowing customers to choose a plan that suits their financial situation.

Are there any processing fees or hidden charges associated with IIFL Gold Loan?

Processing fees or other charges may apply when taking an IIFL Gold Loan. Itâ€™s crucial to inquire about all potential costs upfront to have a clear understanding of the total charges.

What is the interest rate for an IIFL Gold Loan and how is it calculated?

The interest rate on an IIFL Gold Loan can vary based on several factors, such as loan amount and tenure. Itâ€™s important to consult IIFLâ€™s latest offerings to understand specific rates and calculations.

Can I extend the tenure of my IIFL Gold Loan if needed?

Yes, you may be able to extend the tenure of your IIFL Gold Loan by contacting IIFL and discussing available options. Terms and conditions may apply.

Is there a minimum loan amount that I can apply for with IIFL Gold Loan?

The minimum loan amount for an IIFL Gold Loan may vary. Itâ€™s best to check directly with IIFL to understand their current minimum loan criteria.

How does IIFL ensure the security of my gold deposits?

IIFL ensures the security of your gold through secure vaults and comprehensive insurance coverage, safeguarding the jewelry deposited for loans.

What happens if I am unable to repay my IIFL Gold Loan on time?

If youâ€™re unable to repay your IIFL Gold Loan on time, additional charges or penalties may apply. Its advisable to contact IIFL to discuss possible extensions or repayment plans to avoid forfeiture of your gold.

Can I prepay my IIFL Gold Loan? Are there any charges for prepayment?

Yes, you can prepay your IIFL Gold Loan. However, specific terms and charges, if any, for prepayment should be clarified with IIFL directly.

How does IIFL Gold Loan determine the value of my gold?

IIFL Gold Loan assesses the purity and weight of the gold jewelry to determine its market value, and then they provide a percentage of this value as the loan amount.

What is the process for applying for an IIFL Gold Loan?

The process usually involves bringing your gold jewelry to an IIFL branch, where it will be appraised. Once approved, you complete the necessary paperwork and receive the loan amount against your gold.

What documents are required for applying for an IIFL Gold Loan?

To apply for an IIFL Gold Loan, you generally need to provide identity proof, address proof, and ownership proof of the gold jewelry. Its best to confirm the exact documentation requirements with IIFL.

What are the eligibility criteria for availing an IIFL Gold Loan?

To avail an IIFL Gold Loan, you typically need to be a resident of India and possess gold jewelry. The specific eligibility requirements may vary, so its recommended to contact IIFL for detailed criteria.

What documents are required to apply for a gold loan?

Only basic KYC: Aadhaar, PAN, voter ID, passport, and address proof. No income documents required in most cases.

What is the interest rate on gold loans?

Rates vary by lender, generally lower than personal loans. Typically ranges up to 24% per annum depending on profile and tenure. IIFL Finance provides gold loan at attractive interest rate of up to 0.99% per month. This is usually the starting rate under applicable schemes. Rates vary based on loan scheme, amount, tenure, and profile

What type of gold is accepted?

Mostly 18–22 karat gold jewellery is accepted. Some lenders may accept coins (up to certain limits), but not all accept bars or bullion.

Who can apply for a gold loan?

Any Indian resident adult with gold jewellery and valid KYC (Aadhaar, PAN, address proof) can apply. Income proof is usually not required.

A gold loan is a secured loan where you pledge gold jewellery/ornaments as collateral to a bank or NBFC and receive funds based on its value.

What is the address of IIFL Gold Loan in Amikunj Cross Road, Ahmedabad?

IIFL Gold Loan Amikunj Cross Road, Ahmedabad is located at the following address: Shop No F/5, 1st Floor, Shivalik Complex Amikunj Cross Road, Ahmedabad-380014.

What are the business hours of IIFL Gold Loan Amikunj Cross Road, Ahmedabad?

IIFL Gold Loan Amikunj Cross Road, Ahmedabad working hours are Monday (10:00 AM-06:30 PM), Tuesday (10:00 AM-06:30 PM), Wednesday (10:00 AM-06:30 PM), Thursday (10:00 AM-06:30 PM), Friday (10:00 AM-06:30 PM), Saturday (10:00 AM-06:30 PM)

What are the payment options available at IIFL Gold Loan Amikunj Cross Road, Ahmedabad?

The payment options available at IIFL Gold Loan Amikunj Cross Road, Ahmedabad are Cash, Online Payment.

What are the parking options available at IIFL Gold Loan Amikunj Cross Road, Ahmedabad?

The parking options available at IIFL Gold Loan Amikunj Cross Road, Ahmedabad are Free parking on site.

What is the rating of IIFL Gold Loan Amikunj Cross Road, Ahmedabad?

The rating of IIFL Gold Loan Amikunj Cross Road, Ahmedabad is 4.9.

How can I contact the IIFL Gold Loan Amikunj Cross Road, Ahmedabad branch?

IIFL Gold Loan Amikunj Cross Road, Ahmedabad can be contacted at +912271071878. Alternatively visit our website for more details.

IIFL Gold Loan, Amikunj Cross Road

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Abad-Ankur Gl
Shop No F/5, 1st Floor, Shivalik Complex
Amikunj Cross Road
Ahmedabad - 380014
Near Naranpura Post Office
+912271071878
- Open until 06:30 PM
https://www.iifl.com/gold-loans
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Ratings & Reviews

Dilip Lilpuwar

Posted on: 03-02-2026
Rated
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Good sarvice for Ankur branch
Dilip Vasava

Posted on: 20-12-2025
Rated
- 5
Good sarvice (Translated by Google) Good service

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About IIFL Gold Loan

IIFL Finance provides quick, hassle-free loans against gold jewellery through 2,800+ branches across India. Backed by over 30 years of trust and a strong legacy in financial services, IIFL Finance has served more than 1 crore customers nationwide. Enjoy competitive interest rates, minimal documentation, and quick gold loan processing. Your gold is valued transparently using certified karat meters and stored in high-security, insured vaults as per regulatory guidelines.

Easily manage your loan via the IIFL Loans App, track details, check outstanding amounts, and pay interest anytime. Visit your nearest IIFL Finance branch today for a free gold valuation and quick access to funds.

T&C Apply
The address of this branch is Shop No F/5, 1st Floor, Shivalik Complex, Near Naranpura Post Office, Amikunj Cross Road, Ahmedabad, Gujarat.