Question 1

What is gold loan eligibility?

Accepted Answer

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.

Question 2

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

Accepted Answer

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 ₹100,000, you can borrow up to ₹75,000.

Question 3

How is gold loan calculated?

Accepted Answer

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.

Question 4

What is the minimum limit for IIFL Gold Loan?

Accepted Answer

To avail a gold loan from IIFL Finance, the minimum amount you can borrow is either ₹3,000 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.

Question 5

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

Accepted Answer

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.

Question 6

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

Accepted Answer

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

Question 7

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

Accepted Answer

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

Question 8

What documents are required to apply for gold loan?

Accepted Answer

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.

Question 9

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