IndusInd Bank Gold Loan

Updated on April 14, 2026

Author: MybankingTips Team

IndusInd Bank provides gold loans for personal or business needs, excluding speculative purposes. You can borrow against gold ornaments or gold coins (limited to 50 grams per customer) at an interest rate starting from 10% per annum. You have the option to repay the loan through monthly interest payments or EMI (equated monthly installments).

IndusInd Bank Gold Loan Highlights
Interest Rate	10%-16% p.a.
Processing Fees	Up to 1% of loan amount
Repayment	Monthly Interest Option EMI Option
Loan Amount	Up to Rs 20 lakh
Loan Tenure	3 months to 12 months
Collateral	Gold ornaments or Gold coins (50 grams per customer)

IndusInd Bank Gold Loan Interest Rate

IndusInd Bank has not explicitly disclosed its current gold loan interest rates. However, it has provided information about the interest rates on gold loans sanctioned during the Third Quarter of the Financial Year 2024. This information may give a fair idea of the gold loan rates offered by the bank.

Products	Interest Rates (p.a.)
Average	11.85% p.a.
Maximum Interest Rate	16% p.a.
Minimum Interest Rate	10% p.a.

Also read: Best Gold Loan Interest Rate

Gold Loan Interest Rates Offered By Partner Banks & NBFCs

Bank/NBFC/Fintech	Interest Rate
State Bank of India	8.75% p.a. onwards	Apply Now
Axis Bank	17% - 19% p.a. onwards	Apply Now
Punjab National Bank	9.25% p.a. onwards	Apply Now
Bank of India	8.80% p.a. onwards	Apply Now
IndusInd Bank	8.80% p.a. onwards	Apply Now
Bank of Baroda	9.40% p.a. onwards	Apply Now
Union Bank of India	9.30% – 10.65% p.a.	Apply Now
Canara Bank	9.25% p.a. onwards	Apply Now
HDFC Bank	8.50% - 15.97% p.a.	Apply Now
Federal Bank	8.99% p.a. onwards	Apply Now
ICICI Bank	10% p.a. onwards	Apply Now
Bajaj Finserv	9.50% – 28% p.a.	Apply Now
Manappuram Finance	12% p.a. onwards	Apply Now
Bank of Maharashtra	9.30% p.a. onwards	Apply Now
Kotak Mahindra Bank	8% - 24% p.a. onwards	Apply Now
Indian Bank	0.77% per month	Apply Now
IIFL Finance	11.88% - 27% p.a.	Apply Now
Rupeek	8.88% p.a. onwards	Apply Now
Muthoot Finance	10.90% p.a. onwards	Apply Now
Shriram Finance	11.40% p.a. onwards	Apply Now

IndusInd Bank Gold Loan Fees and Charges

Particulars	Charges
Processing Fees	Up to 1% of loan amount
Penal Interest	24% p.a. over and above the applicable ROI
Valuation Fee	For loan up to Rs 2 lakh- Rs 500 For loan above Rs 2 lakh- Rs 750
Stamp duty and other statutory charges	As per applicable laws of the state
Renewal Processing Fees	Up to 1% of the outstanding amount.
Prepayment/Partpayment charges	NA
Non-standard repayment charges	NA
Credit assessment charges	NA
Outstation clearing charges	NA
Bounce Cheque Charges	NA

Also read: Best Gold Loan EMI Calculator

IndusInd Bank Gold Loan Eligibility Criteria

Here are the eligibility criteria set by IndusInd Bank for its gold loan applicants:

Age: Individual borrowers must be at least 18 years old and no more than 70 years old. For non-individual borrowers, the minimum age requirement is 3 years.
Income proof: No income proof is required for loans up to Rs 15 lakh.
Disbursal modes: The loan amount can be disbursed through cash, NEFT, RTGS, or pay order.

Also read: Best Gold Loan Eligibility

Documents Required for Availing IndusInd Bank Gold Loan

IndusInd Bank gold loan applicants need to submit the following documents when applying for a gold loan:

Photograph
Signature Proof
Identity Proof (such as Aadhaar card, PAN card, passport, or voter ID)
Address Proof (such as Aadhaar card, passport, utility bill, or rental agreement)

Also Read : Best Gold Loan Documents Required

Repayment Options for IndusInd Bank Gold Loan

IndusInd Bank provides two repayment options for its gold loan applicants:

Monthly interest payment option: Under this option, the interest is serviced on a monthly basis, and the principal amount is repaid on the maturity date of the loan.
EMI option: With this option, both the interest and principal components are repaid through equal monthly installments.

Features of availing gold loan from IndusInd Bank

Monthly payments are lower compared to other forms of credit.
Your gold offered as security is valued and sealed in your presence, ensuring peace of mind.
Easily walk into the bank with your gold, submit necessary documents, and get the loan amount disbursed to your bank account instantly.
Documentation process is easy and minimal. The bank offers gold loans at affordable interest rates. Women and those in agriculture-related professions may enjoy additional interest rate discounts.

Frequently Asked Questions

You can choose a gold loan tenure with IndusInd Bank ranging from 3 months to 24 months.

To apply for a gold loan with IndusInd Bank, follow these steps: (i) Visit the official website of IndusInd Bank. (ii) Navigate to the 'Products' section and click on 'Loan'. (iii) Select 'Gold Loan' from the options provided. (iv) Look for the 'Apply Now' button and click on it. (v) Anew page will open where you need to enter the required details. (vi) After entering all the necessary information, click on 'Apply'. (vii) The bank will review your application and provide further instructions. (viii) Once you fulfill all the requirements, the loan amount will be disbursed to your bank account.

To reach an IndusInd Bank customer care executive, you can call the numbers 1860-500-5004 or 022-44066666. Alternatively, you can use the "Let us call you" facility on the bank's official website. Simply scroll down to find the link for this feature, then enter your details on the provided page and click "Apply". A customer care executive will contact you to assist with your gold loan queries.

IndusInd Bank does not offer gold loan facilities in all cities across India. You can check the official website of IndusInd Bank to see the list of cities and states where they provide this service. If you reside in a city where the bank does not offer gold loan facilities, you can still apply for a gold loan through the bank's website. A customer care executive will contact you and guide you through the process, including steps to follow if gold loan services are not available in your city.

To apply for a gold loan with IndusInd Bank, simply visit the nearest branch with your gold and necessary documents. A bank official will guide you through the application process.