Updated on April 13, 2026
Author: MybankingTips Team
IIFL Finance provides gold loans starting from 11.88% per annum onwards for loan amounts starting at Rs 3,000, with tenures of up to 2 years. Applicants can avail IIFL Gold Loan by pledging their gold ornaments or jewelry, including necklaces, pendants, bracelets, earrings, etc., as security. The lender claims to disburse the gold loan amount within a few minutes of loan approval.
IIFL Gold Loan Interest Rate
IIFL offers gold loans with interest rates ranging from 11.88% to 27% per annum. However, the final gold loan interest rates offered by the lender may vary depending on the loan amount and repayment frequency.
Also read: Best Gold Loan Interest Rate
Gold Loan Interest Rates Offered By Partner Banks & NBFCs
Types of IIFL Gold loans
IIFL Gold Loan at Home
Purpose
IIFL Gold Loan at Home allows individuals to conveniently avail the loan at their doorstep to fulfill their personal, professional, and business-related needs by pledging gold as collateral.
LTV ratio
The Loan-to-Value (LTV) ratio for IIFL Gold Loans at Home can reach up to 75% of the total value of gold pledged as collateral.
Loan Tenure
The repayment tenure for IIFL Gold Loans at Home can extend up to 2 years.
IIFL Gold Loan for Education
Purpose
IIFL Gold Loan for Education enables individuals to obtain funds by pledging gold assets to finance their tuition fees, purchase study materials, or manage overall educational expenses.
LTV ratio
The Loan-to-Value (LTV) ratio for IIFL Educational Gold Loans can go up to 75% of the total value of gold pledged as security or collateral.
Loan Tenure
The tenure for IIFL Educational Gold Loans can extend up to 2 years.
IIFL Gold Loan for Women
Purpose
IIFL Gold Loan for Women enables both salaried and self-employed women to obtain funds to meet their personal, professional, or business-related needs by pledging gold ornaments or jewelry as collateral/security.
LTV ratio
The Loan-to-Value (LTV) ratio for availing Gold Loans for Women from IIFL can go up to 75% of the total value of gold pledged as security or collateral.
Loan Tenure
The repayment tenure for availing IIFL Gold Loans for Women extends up to 2 years.
IIFL Agriculture Gold Loan
Purpose
IIFL Agricultural Gold Loan enables farmers to finance the purchase of seeds and fertilizers, invest in agricultural equipment, or deal with unexpected exigencies.
LTV ratio
The Loan-to-Value (LTV) ratio for IIFL Agricultural Gold Loans can go up to 75% of the total value of the pledged gold.
Loan Tenure
Loan applicants can avail IIFL Agricultural Gold Loan with repayment periods of up to 2 years.
IIFL MSME Gold Loan
Purpose
IIFL Gold Loan for MSME enables entrepreneurs to utilize the loan proceeds for addressing their business-related needs by pledging their gold ornaments or jewelry as collateral/security.
LTV ratio
The Loan-to-Value (LTV) ratio for availing MSME Gold Loans from IIFL can extend up to 75% of the total value of gold pledged as collateral or security.
Loan Tenure
Loan applicants can avail IIFL MSME Gold Loans for tenures of up to 2 years.
Also read: Best Gold Loan EMI Calculator
IIFL Gold Loan Fees & Charges
Eligibility Criteria for availing IIFL Gold Loan
The IIFL Gold Loan Eligibility criteria specified by the lender are as follows:
- Minimum Age: 18 years
- Maximum Age: 70 years (during loan disbursal) and 72 years (during loan renewal)
- The purity of the gold pledged as mortgage should be 18-22 carats.
- Salaried, non-salaried, and self-employed individuals can avail this loan facility. No income proof is required for availing the gold loan.
Also read: Best Gold Loan Eligibility
IIFL Gold Loan Documents Required
IIFL Gold Loan applicants need to submit the following documents:
- Identity Proof: PAN Card (mandatory for gold loans above Rs 5 lakh), Aadhaar Card, Valid Passport, Valid Driving Licence, Voter ID Card, and Bank Statement.
- Address Proof: Valid Driving Licence, Voter ID Card, Aadhaar Card, Valid Passport, Ration Card, Electricity Bill, and Bank Statement.
Also Read : Best Gold Loan Documents Required
Features of availing a gold loan from IIFL
- The minimum loan amount is Rs. 3,000.
- Flexible modes of repayment are available.
- You can customize schemes as per your requirement.
- You can avail a gold loan at attractive rates of interest.
Gold loan repayment
- Online: Visit the official website of IIFL, log in using your credentials, and make the payment online via net banking, debit/credit card, or UPI.
- Through app: Download the IIFL app, log in using your credentials, and make the payment via net banking, credit/debit card, or UPI.
- By visiting the branch: Visit the nearest branch of IIFL and ask a representative to guide you through the process of repaying the loan amount, including the interest.
