ICICI Bank Gold Loan Interest Rate Today, 10 October 2026: Slabs, Per-Gram Cost & Schemes

ICICI Bank gold loan interest rate 9.25% – 18% p.a. Indicative band · scheme and LTV decide your slab · reviewed September 2026
Monthly interest per ₹1 lakh ₹771 – ₹1,500 At the floor and ceiling of the band
Cost to pledge 10g of 22K today ₹791 – ₹1,540 On ₹1,02,660 advance · gold price updated 2026-10-09

Figures on this page are indicative and for comparison only — BankCreds is not a lender; confirm current rates, charges and eligibility with the bank or NBFC before applying.

How much will an ICICI Bank gold loan cost?

Set your own figures against ICICI Bank's 9.25%–18% band and 6–12 months (renewable) window. Most gold-loan calculators show only an EMI; this one also prices the bullet structure, which is how a large share of private bank gold borrowing is actually repaid.

A Mumbai trader’s 9-month bridge: ₹35 lakh against family gold during a property-sale registration delay, cleared at possession — bank custody chosen over NBFC purely for the ticket size.

ICICI Bank gold loan EMI calculator

Repayment structure
Monthly EMI
₹17,934
Total interest
₹15,207
Total repayment
₹2,15,207

Indicative simple-interest arithmetic on the figures you set. Your sanctioned rate depends on scheme, LTV band and tenure, and the Key Fact Statement issued before you accept is the binding version.

Worked examples at ICICI Bank's mid-board 13.75%

Loan amount 12 months 24 months 36 months
₹50,000 ₹4,483/mo₹2,395/mo₹1,703/mo
₹1,00,000 ₹8,967/mo₹4,789/mo₹3,406/mo
₹2,00,000 ₹17,934/mo₹9,579/mo₹6,811/mo
₹5,00,000 ₹44,835/mo₹23,947/mo₹17,028/mo

Computed at 13.75%, the middle of ICICI Bank's 9.25%–18% range. A bullet loan on ₹1,00,000 instead meters at ₹1,146 monthly, with the whole principal falling due at the end.

Read the columns across rather than down. Stretching ₹2,00,000 from 12 to 36 months cuts the monthly outgo from ₹17,934 to ₹6,811, but you carry the pledge three times as long and pay roughly ₹29,988 more in total interest. ICICI Bank caps gold tenures at 6–12 months (renewable), and borrowers who plan to the cap usually end up rolling over. Work backwards from when you can repay in full instead — the shorter window is almost always the cheaper one.

How much gold loan can I get from ICICI Bank?

Before comparing rates, size the pledge. ICICI Bank lends against appraised metal weight under RBI's tiered ceiling, so the loan amount is set by your gold and its size, not by your income. The result applies RBI's tiered loan-to-value ceiling, so the percentage you are advanced changes with the size of the loan itself — not with which lender you choose.

ICICI Bank gold loan amount calculator

Appraised value
₹2,73,756
LTV tier applied
85%
Eligible loan (max)
₹2,32,692

Indicative, on the 2026-10-09 reference of ₹14,943/g (24k). RBI LTV tiers: 85% ≤₹2.5L, 80% ≤₹5L, 75% above. Lender schemes may advance less; stones/wastage count zero.

Two ICICI Bank-specific limits sit around that figure: it lends from ₹50,000 to ₹1 crore (select branches), so a pledge below the floor is declined as uneconomic to process and one above the ceiling has to be split or taken elsewhere.

What you are quoted at ICICI Bank depends on the appraiser in front of you as much as on the day's rate: gross weight minus stones and solder, times the purity actually tested, times the LTV tier your loan size lands in.

Where ICICI Bank helps: digital servicing for interest payments and renewals is best-in-class among banks. Where it does not: short base tenures assume rollover — plan the renewal or the calendar plans it for you.

Treat the figure as a ceiling rather than a quote: gross weight includes findings and stones that no lender pays for, and tested purity often lands below the bill of sale.

See ICICI Bank gold loan per gram →
Today's gold rate, city-wise →

ICICI Bank gold loan schemes

A ICICI Bank gold loan is really 2 products sharing a counter. The spread from 9.25% to 18% is the distance between them, and nobody will pick the cheapest one on your behalf.

ICICI Gold Loan

Bullet-first structure — interest and principal at closure within 12 months — with EMI conversion available; built for short, sharp needs.

Instant gold loan (existing customers)

Pre-appraised top-ups and renewals for repeat pledgers with digital servicing.

Repayment structures offered

  • •Bullet within tenure
  • •Interest-serviced monthly
  • •EMI on request

Charges beyond interest

  • •Valuation charges
  • •Processing per schedule
  • •Renewal fee
  • •Part-release handling

Processing: up to 1% + valuation.

Where ICICI Bank is genuinely strong rather than merely available: higher entry point but strong process quality and metro speed. That is the reason to choose this counter over a cheaper one — and if it does not describe your situation, the NBFC tables on our hub will serve you better.

Is an ICICI Bank gold loan cheaper than a personal loan?

On rate, almost always — and by a wider margin than most borrowers expect. On risk, never. Both halves decide it.

ICICI fits urban borrowers with defined exits: the bullet structure is honest about being bridge finance, and the digital rails make interest-servicing painless meanwhile. It is not the cheapest counter for small pledges — the minimum and the walk-in pricing see to that. Bring a real repayment event and, ideally, an existing relationship; both change your quote and your experience.

On ₹3 lakh, 24 months ICICI Bank gold loan Unsecured personal loan
Indicative rate 9.25%–18% 10.5%–24%
EMI at the typical rate ₹14,368 ₹14,689
Credit score needed None — the pledge is the underwriting Typically 700+ for a bank
Income proof Not required Salary slips, bank statements, ITR
Disbursal Same day, after branch valuation 1–7 days
What you risk Your jewellery, at auction after notice Your credit file and legal recovery
Tenure 6–12 months (renewable) Up to 5–6 years

On price the pledge wins easily here. On flexibility it does not: ICICI Bank caps gold tenures at 6–12 months (renewable), while its personal loan runs for years.

On the numbers above, the gold route costs roughly ₹321 a month less on ₹3 lakh over two years — about ₹7,704 in total.

Set the 6–12 months (renewable) tenure cap against a personal loan's multi-year runway, then set a recoverable credit score against irrecoverable jewellery. Those two comparisons, not the interest rate, decide most real cases.

Run both sides before deciding: personal loan guides and the personal loan EMI calculator give you the other half, and the gold loan hub compares ICICI Bank against every other counter on one table.

Why ICICI Bank quotes three different rates for one pledge

ICICI Bank prices the cushion, not the customer: the smaller the share of your gold's value you draw, the safer the loan, the lower the rung you're quoted.

You draw (of value)Indicative rate*Monthly / ₹1 lakh
Up to ~55–60%9.25%₹771
~60–70%13.75%₹1,146
Max (75% cap)18%₹1,500

*Indicative framing of ICICI Bank's 9.25%–18% band; actual scheme boundaries vary. Verify at branch — the KFS binds.

The per-lakh column converts rates into grocery-math: ₹5 lakh drawn at ICICI Bank's floor slab carries ₹3,855 of monthly interest; the same at the top slab, ₹7,500. If your gold comfortably covers the need, "quote me a lower-LTV scheme" is the cheapest sentence in gold borrowing.

Drawn@9.25%/mo@13.75%/mo@18%/mo
₹2 lakh ₹1,542 ₹2,292 ₹3,000
₹5 lakh ₹3,855 ₹5,730 ₹7,500
₹10 lakh ₹7,710 ₹11,460 ₹15,000

The ladder against neighbours

LenderFloorCeilingMonthly/₹1L at floor
ICICI Bank9.25%18%₹771
Karur Vysya Bank 9.25% 11% ₹771
HDFC Bank 9.3% 17.9% ₹775
Bank of Baroda 9% 9.4% ₹750

Read floors against floors: a lender whose ceiling scares you may still hold the sharpest low-LTV slab. ICICI Bank's position above is one input; your appraisal and scheme pick decide the rest.

ICICI Bank full guide· ICICI Bank per-gram· Rate today· All lenders

ICICI Bank गोल्ड लोन — हिंदी में जानकारी

ICICI Bank सोने पर कर्ज लगभग 9.25% से 18% सालाना की दर पर देता है, और अवधि 6–12 months (renewable) तक रहती है। ब्याज दर आपकी आय या सिबिल स्कोर से नहीं, बल्कि इस बात से तय होती है कि आप गहनों की कीमत का कितना हिस्सा उठा रहे हैं। नीचे वही सवाल हैं जो शाखा पहुँचने से पहले साफ होने चाहिए।

ICICI Bank गोल्ड लोन — अक्सर पूछे जाने वाले सवाल

ICICI Bank गोल्ड लोन की ब्याज दर कितनी है?
दर एक नहीं, एक सीढ़ी है: ICICI Bank की 9.25%–18% रेंज में आप कहाँ बैठेंगे, यह योजना और drawdown तय करते हैं। ₹1 लाख पर यह हर महीने ₹771 और ₹1,500 के बीच का फर्क है — यानी सालभर में ₹8,748 तक। शाखा में सीधे पूछें कि आपका आवेदन किस स्लैब में जा रहा है।
ICICI Bank से एक ग्राम सोने पर कितना लोन मिलता है?
दो अलग आँकड़े हैं — गहने की कीमत और उस पर मिलने वाला कर्ज। आज 22 कैरेट की कीमत करीब ₹13,688 प्रति ग्राम है, और कर्ज उसका एक तय हिस्सा ही होता है: छोटे लोन पर 85% तक, ₹5 लाख तक 80%, और बड़े लोन पर 75%। ICICI Bank की सीमा ₹50,000 से ₹1 crore (select branches) है।
ICICI Bank गोल्ड लोन में EMI और बुलेट में क्या फर्क है?
फर्क सिर्फ सुविधा का नहीं, कुल लागत का है। EMI पहले महीने से मूलधन घटाती है, इसलिए ब्याज भी घटता जाता है। बुलेट में पूरी रकम आखिर तक चलती रहती है, इसलिए उसी दर पर कुल ब्याज ज्यादा बनता है। जिस दिन आप गिरवी रखें, उसी दिन तय कर लें कि मूलधन कहाँ से आएगा।
ICICI Bank से गोल्ड लोन कितनी जल्दी मिल जाता है?
ICICI Bank में गिरवी रखने से लेकर पैसा मिलने तक का काम आमतौर पर उसी दिन पूरा हो जाता है, बशर्ते शाखा में मूल्यांकन करने वाला मौजूद हो और आपके KYC दस्तावेज पूरे हों। निजी बैंकों में यह प्रक्रिया आमतौर पर तेज रहती है, पर मूल्यांकन उतना ही सख्त होता है। जाने से पहले फोन करके पूछ लें कि उस दिन मूल्यांकन की सुविधा है या नहीं।
अगर मैं ICICI Bank का गोल्ड लोन नहीं चुका पाया तो गहनों का क्या होगा?
प्रक्रिया तय है और उसमें समय मिलता है: सूचना, चुकाने का मौका, फिर सार्वजनिक नीलामी न्यूनतम कीमत के साथ। ICICI Bank मनमाने ढंग से गहने नहीं बेच सकता, और बिक्री से बकाया चुकाने के बाद जो बचे वह आपका है। असली खतरा नीलामी नहीं, बार-बार लोन आगे बढ़ाते रहना है।

ICICI Bank gold loan — FAQs

Why does ICICI Bank charge different gold-loan rates on different schemes?
Each ICICI Bank scheme sells a different margin of safety: draw 55–65% of your gold's value and the thick cushion earns you rates near 9.25%; insist on the full 75% advance and the thin cushion prices toward 18%. The board isn't inconsistent — it's a menu of that single trade.
What does a ICICI Bank gold loan cost per month per ₹1 lakh?
Take the rate, divide by twelve, apply to each lakh: ICICI Bank's 9.25% floor works out to ₹771/lakh/month and its 18% ceiling to ₹1,500. The table above does this for ₹2–10 lakh so the counter can't do it to you.
Are ICICI Bank's advertised gold-loan rates guaranteed?
They're indicative by design — compiled from ICICI Bank's public grids and market reporting, and subject to scheme and ticket. RBI's KFS requirement is your protection: the exact rate, APR and every charge must reach you in writing before you accept, and that sheet is the only version that counts.
Can I move my gold loan from ICICI Bank to a cheaper lender later?
It's a normal move: settle ICICI Bank's outstanding, verify and collect your sealed packet, walk it to the cheaper counter. Plan the day so the gold is never uninsured in a drawer overnight, and let a multi-point rate gap — not a fraction — justify the fresh pledge costs.
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